ADIB Etisalat Cards Features and Benets

Etisalat CC F&B/Eng/V-2/Feb 2013

Index
1 - Chip & PIN 2 - Visa payWave 3 - ADIB Etisalat More Rewards 4 - Shopping Offers 5 - Travel Benets 6 - Repayment Methods 7 - Other Surprises

Latest TechnologySafe & Secure

ADIB Covered Cards with Chip & PIN

Welcome to a more secure way to pay.

Chip & PIN is the new, more secure way of paying for many things you need on a daily basis. Chip & PIN has been introduced to combat the growing levels of fraud worldwide. It is a much more secure method of payment than simply signing a receipt as it gives you the additional security of a personal four digit PIN number that only you know. So what is Chip & PIN? Here are some frequently asked questions that may help you to understand a little bit more about Chip & PIN: Q: What does PIN mean? A: PIN stands for Personal Identification Number. It is a special number, unique to you that allows you to withdraw cash from the cash machine and to pay for things in shops where Chip & PIN is accepted. Q: How do I pay for things with it? A: Its really easy to use your Chip & PIN Card. Simply check that the retailer accepts Visa, select the goods you want to buy and take them to the checkout as usual. At the till, you may see a small device or machine with a keypad, a screen and a slot to insert your Card. To pay, simply place your Card into the slot, check the amount on the screen and then enter your PIN. Alternatively the merchant may ask for your Card and place it in the machine for you. You will be given a receipt as usual as proof of purchase. Q: Can I change my PIN number? A: Yes you can change your PIN at any ADIB ATM machine. Simply enter your current PIN to get started, select Change PIN and follow the prompts on screen. If you do change your PIN, please make sure its not easy for anyone else to guess, so avoid obvious numbers like telephone numbers and birthdays or sequences like 5555 or 1234. Q: How can I make sure I remember my PIN number? A: Here are a few hints and tips that may help: Use a combination of a friends birthday or an anniversary so its easier to recall but hard for someone to guess. Remember the four digits in two lots of two digits. Learn the pattern the numbers make on the keypad rather than the numbers themselves.

Q: Can I tell anyone my PIN number? A: No. Your PIN keeps your account secure so you must never reveal it to anyone. To be extra safe, make sure you never write it down, and you should never reveal it when you purchase online, over the phone or by post.

Q: Can I use my Chip & PIN Card abroad? A: Chip & PIN is quickly becoming an accepted form of payment worldwide so you are likely to be able to use it in many countries you may visit. So do make sure you can remember your PIN - you may not be able to make purchases without it.

Q: What if my PIN gets locked? A: If you enter your PIN incorrectly three times your Card will become locked out. This is to protect you in case your Card is lost or stolen and someone else is trying to use it. To unlock your Card call us on 8002288.

Its really easy to use Chip & PIN.

Step 1 Look Where you see the Visa sign you can use your Visa Chip & PIN Card if the Point of Sale device is Chip enabled.

Step 2 Buy Choose the item you would like to buy and take it to the till.

Step 3 Insert The cashier will ask you to insert your Card into the Point of Sale device at the till.

Step 4 Enter PIN Enter your PIN and wait for an OK to appear on the screen.

ADIB Covered Cards with payWave

The fast, convenient and safe way to pay.

Visa payWave is the new, convenient, secure way to pay. It lets you make payments for everyday items in seconds. Simply hold your Card to the contactless reader and get on with your day.
Visa payWave builds on the Chip technology in your ADIB Cards and adds wireless technology so your Card will never leave your hand. It also makes payments fast and reduces the need to carry cash.

You can use your new ADIB Covered Card anywhere you see the Visa payWave symbol worldwide. Just wave your Card in front of a Visa payWave terminal and your transaction will be complete without needing to sign or enter your PIN. Great for small-value purchases (under AED 200) like coffee or when you are in a rush. When you reach a total limit of more than AED 550 of contactless transactions, you will be asked to do a normal Chip & PIN transaction So wave goodbye to cash and say hello to fast, easy, safe payments!

What are the benets of Visa payWave?

Fast. Pay in seconds.
Whether youre at home or overseas, Visa payWave lets you pay for everyday items in seconds. Wherever you see the Visa PayWave symbol, hold your Card in front of the reader and go. Theres no fumbling for cash and no need to visit the ATM.

Easy. No need for cash.

At home or abroad, theres no need to carry cash when you have Visa payWave one Card lets you pay for all your purchases. You wont be required to insert your Card, sign your name or enter a PIN, simply hold your Card in front of the reader and go.

Safe. The secure way to pay.

Visa payWave uses a high level of cryptography, making it the secure way to pay and your Card will never leave your hands. For larger purchases over ADIBs limit you will need to enter your PIN or sign. An added security feature is that from time to time you may be asked to verify your transaction by inserting your Card and entering your PIN or signing.

Three easy steps to using your Visa payWave Card: Step 1 Look out for this symbol at the till Step 2 Hold your Visa payWave card in front of the secure reader. The display will indicate that the transaction has been processed. Step 3 Collect your items and go. If you want a receipt, just ask.

Wave goodbye to cash.

Say hello to Visa payWave.

ADIB Etisalat More Rewards points

Welcome Etisalat More Rewards points As a welcome bonus, you are entitled to receive up to 70,000 Etisalat More Rewards points enough for AED 700 worth of Etisalat Rewards or AED 530 worth of More Partner vouchers. Everyday Points Earn points on every retail purchase when you use your Card! No complicated procedures. At ADIB, we keep things simple: for every AED 1 you spend on your Card, youll receive up to 4 More Rewards points. 5 Million Etisalat More Rewards points Raffle every month! ADIB will conduct a 5 Million Etisalat More Rewards points raffle every month! As an ADIB Etisalat Cardholder, your spend on the Card will earn you chances in the raffle. 5 Million points means AED 50,000 worth of Etisalat Rewards or over AED 38,000 worth of More Partner Vouchers!

Shopping Offers
ADIB has partnered with prestigious retailers to ensure you get the best. Always look for the latest offers from ADIB in your monthly statement or visit www.adib.ae. You will also receive special offers by SMS from time to time. Terms & Conditions
1. ADIB Covered Cards Terms and Conditions apply. 2. ADIB Covered Cards must be used in a way that does not conict with the general terms and principles of Sharia as determined by the Fatwa and Sharia Supervisory Board of Abu Dhabi Islamic Bank. 3. Offers not valid in conjunction with other promotions or in-store offers. 4. Offers to be used when purchasing with an ADIB Covered Card. 5. Other Terms and Conditions may apply.

ADIB Travel Desk

Take the hassle out of travelling with ADIB Travel Desk. Not only does ADIB Travel Desk provide you with a single point of contact to make all your travel arrangements - from business trips to family holidays - but you can also enjoy a range of discounts and other privileges. If you purchase your ticket through ADIB Travel Desk, you are entitled to the following: 1) All ADIB Etisalat Cardholders (Classic, Gold, Platinum) get free delivery of their airline ticket. 2) ADIB Etisalat Gold Cardholders can choose 1 complimentary service from 1)Marhaba Lounge access, 2)Meet & Greet on Departure 3)Meet & Greet on Arrival. 3) ADIB Etisalat Visa Platinum Cardholders can choose 2 complimentary services from1)Marhaba Lounge access, 2)Meet & Greet on Departure 3)Meet & Greet on Arrival. Simply call 04-3352080 Sunday to Thursday from 09.00 to 17.00 to contact ADIB Travel Desk. ADIB Travel Desk Terms and Conditions
1. The benets offered are subject to the type of Card held. 2. ADIB Travel Desk is offered by a third party company. 3. ADIB gives no warranty or guarantee as to the quality, condition or suitability of any goods or services provided by the third party. 4. ADIB shall not be liable or responsible to the Cardholder or any other person for any loss, damage or claims suffered by them in respect of any goods or services provided by the third party.

Repayment Methods
Payment at Exchange Houses Settle your Card bill at over 250 partner locations! You can settle your due amount at any UAE Exchange, Al Fardan Exchange, Al Ansari Exchange or Arablink Exchange branches located across the UAE. All you have to do is bring your ADIB Etisalat Card with you. Payment at ADIB Branches You can make payments at over 70+ ADIB branches located across the seven Emirates. ADIB Cash & Check Deposit Machines (CCDM) Visit any ADIB CCDM 24 hours a day to settle your Card Payments. Payment through e-ADIB Internet Banking If your are an ADIB current or savings account holder, you can make Card payments through the e-ADIB Internet Banking Card Payment section. Use this option to view details of each of your Cards, including transaction histories. Payment through Telephone Banking If you are an ADIB current or savings account holder, call 800 2288 to register for telephone banking. You can then transfer funds from your account to your Card within minutes. *161# USSD Messaging service You can settle your Card statement just by dialing *161#. Register now by calling 800-2288.

Other Surprises
Grace period of up to 55 days Four free supplementary cards Free SMS alert service Balance Transfer

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