Secure your online transactions with 3D Secure Credit Cards

At Citibank, we are constantly working towards bringing added security measures to make your banking experience safer than ever. With our new added security feature, we bring you Credit Cards with enhanced safety online. This service offers added online protection while shopping with most of the leading online merchants that incorporate the 'Verified by Visa' or 'MasterCard Secure Code' sign.

Choose Citibank Credit Cards to minimize fraud risk and help secure your online transactions, every time.

Benefits of 3D Secure Credit Cards

  • Additional verification for greater peace of mind
  • Enhances online security without additional software required
  • Simple and convenient

How 3D Secure Credit Card Works

Your 16-digit card number, card expiry date and security code (CVV2) is required to make an online purchase at the participating 3D Secure merchant

When you make an online purchase at the participating 3D Secure merchant, you will be prompted to key in your 16-digit card number, card expiry date and security code (CVV2).

Citibank customer receving a One-Time Password (OTP) on his mobile phone number before making an online purchase

A One-Time Password (OTP) will be sent to your mobile phone number as maintained in our records.

An OTP needs to be entered when the pop-up screen appears before making an online purchase

Enter the OTP when the pop-up screen appears




Missing the minimum payment due in any month and/or non-adherence to the bank’s Terms and Conditions may subject you to negative consequences and limit your ability to access further financing in the future, including but not limited to, late fee charges, a negative impact on your credit bureau rating, your card account going into arrears and/or collections measures which may include legal action and/or trigger all monies becoming due immediately. If you only make the minimum payment each month, you will pay more in interest and it will take you longer to pay off your outstanding balance.


Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A – UAE Branch. And makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities.