Card Services
3D Secure
Added Security.
3D Secure Payments with Citibank Credit Cards
At Citibank, we are constantly working towards bringing added security measures to make your banking experience safer than ever. With our newly 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
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).
If you are currently using the app, you will receive transaction approval request directly on Citi Mobile® for:
Online purchases on your credit or debit cards
Transactions made on digital channels
IVR and telephone banking authorization |
You can either approve the request through:
The push notification
Tap the 'Authorize Transaction’ icon on the app's login screen to view pending requests. |
To enable in-app authentication, update your Citi Mobile App to the latest version and enroll to the Enhanced Security on login.
If you are not registered to Citi Mobile please download the app and register immediately.
FAQs
Citibank 3D Secure™ is a free service provided by Citibank which operates within the MasterCard SecureCode and Verified by VISA framework, in association with most of the leading online merchants. 3D Secure™ assists Citibank Credit Card members to shop online with added protection and confidence.
No, the service only uses 'session cookies', which are filed on your computer temporarily and are automatically deleted when you log out or interrupt the connection.
You can do the following:
- Check whether the online merchant is a participant of Verified by Visa / MasterCard SecureCode.
- Check whether your system blocks pop-ups. If necessary, switch off the software that blocks pop-ups.
Via Citibank Online or your monthly statement, you can view all your Credit Card transactions.
You can contact our 24-hour CitiPhone Banking Service at +971 4 311 4000.
Yes, you can. You do not need to install any special software. You can always pay online and always rely on extra protection thanks to 3D Secure™ .
No, this service is provided free of cost.
3D Secure™ is available for all Citibank Credit Cards.
Yes, you can accumulate reward points by shopping online based on the reward program of the respective Credit Card(s) held by you.
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.
Disclaimer
Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae/tnc. 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.
Copyright © 2026 Citigroup Inc.
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Citibank N.A. UAE is registered with Central Bank of UAE under license numbers 202563 for Al Wasl Branch Dubai, 531989 for Mall of the Emirates Branch Dubai, and CN-1002019 for Abu Dhabi Branch. Tel: 04 311 4000.
Citibank N.A. - UAE Branch is licensed by the Central Bank of the UAE as a branch of a foreign bank.
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Copyright © 2026 Citigroup Inc.