Title

Locate NBAD Branch / ATM

ATM Branch

Locate

Apply For NBAD Services

Corporate cards - Features and benefits

Travel & Entertainment expenses account for a significant portion of any Corporate budget. With the National Bank of Abu Dhabi's Visa Gold Corporate Card, you can now give your executives the freedom to travel, entertain and make purchases for business, whilst still retaining greater control over your expenses. Universally accepted, the card can be used for everything from air fares, car rentals and lodging to dining and entertaining business clients.

Annual Fee

NBAD Visa Corporate Cards are free for life with no annual or renewal fees ever

Worldwide acceptance

NBAD Visa Corporate Cards are designed for daily business use, and can be used at millions of locations worldwide. Further, the optional Cash Advance feature gives designated cardholders convenient 24-hour cash access at ATMs around the world.

Individual spending limits

Set pre-determined spending limits at both Company and individual card level, to accommodate and control the varying needs of your staff

Emergency Services

A dedicated range of support services on your NBAD Visa Gold card, from reporting lost cards to emergency cash disbursements

More>>

<< More

Lost and stolen card reporting service

Call us on our toll-free number the second you notice the theft or loss of your card and we’ll block your account immediately.

Emergency card replacement
Worldwide within 24 hours or one business day

Emergency cash disbursement up to USD 2,000
Sometimes unforeseen circumstances leave you unable to access cash. You can call us at any time and our 24 hour emergency cash disbursement will ensure up to USD 5,000 is delivered to you within just a few hours.

Free medical & legal referral during travel.
Visa’s international medical and legal assistance service supports you and any immediate family when you are traveling together, to a location outside of your principal country of residence for up to 90 days.

Automatic repayment

Enjoy between 20 to 50 days free credit period before repayment is due. With the Direct Debit Authority, repayments are automated and hassle-free. And since this is a charge card requiring you to pay your balance off in full each month, you can rest assured of a 0% interest rate on purchase transactions

Corporate billing

A single consolidated statement showing total transactions on all cards is provided to the company each month. Individual cardholder statements are also provided, thus enabling your cardholders to reconcile their spending

Greater efficiency & time saving

Benefit from a simplified payments process with administration costs and paperwork being reduced. Thus your employees will now spend less time filling claim forms and more time concentrating on your core business activities

nbadOnline

With nbadOnline, you can enjoy the convenience of banking with us 24 hours a day and from anywhere in the world via a desktop or laptop (with internet connection)

More>>

<< More

View account details, balances, obtain mini statements
Transfer funds between your NBAD accounts (except Fixed Deposit and loan accounts)
Make online utility payments to Etisalat, ADWEA, AADC, DEWA
Pay your NBAD credit cards bills
View up-to-date transaction summary on your cards' spending
Download transaction data into Excel, Quicken or Microsoft Money for easy reconciliation

These are just some of the free services available through nbadOnline. nbadOnline Application Forms can be downloaded from www.nbad.com

Free SMS Alerting

Be informed whenever your Card is used.

Each time a transaction is made on your card or your supplementary cards, you�ll receive an instant SMS message, letting you know exactly how much has just been spent. This service enables you to notify /check any suspected unauthorized transaction with our 24 hour call centre, thereby preventing any subsequent unauthorized transactions

Free Travel Insurance

Using the NBAD VISA Corporate card for travel on a licensed common carrier automatically entitles your cardholders to personal accident insurance of $ 150,000 and a comprehensive range of other travel inconvenience insurance benefits *

More>>

<< More

Benefits		Cover
Personal Accident		$ 150,000
Hospital Daily Benefit		$ 75 per day **
Baggage Delay		Up to $ 400
Baggage Loss		Up to $ 750
Travel Delay		Up to $ 240
Legal Expenses		Up to $ 1,000
Loss of documents		Up to $ 250
Travel Cancellation		Up to $ 1,000

* All travel inconvenience insurance benefits are through reimbursement of actual emergency purchases.

** maximum 30 days

This is a product summary only. A copy of the original policy is also available on request. In any areas where this information is unclear or ambiguous, the policy document takes precedence.

Added Security for Internet shopping

Verified by Visa and MasterCard SecureCode are free services to help ensure that your internet purchases at select merchants using your NBAD credit card are completely secure.

More>>

<< More

This service is offered absolutely free of charge to all NBAD credit cardholders.

The VBV and SC services significantly increases the security of shopping online and reflects the new security standard introduced by Visa and MasterCard for all online purchases over the internet by its cardholders, and we strongly recommend that you register your NBAD Visa and MasterCard credit cards for these services. The benefit is that whenever you make online purchases at internet sites displaying the “Verified by Visa” or “SecureCode” mark, you will need to enter your own VBV or SC permanent password (which you select when you register); your identity will be verified online, and only when authenticated, will the transaction be allowed. Thus your Visa / MasterCard credit card is protected from unauthorized use online.

Registration for the VBV and SC services is done in two ways:

Activation Prior to Shopping

This means you activate the VBV / SC service and register your credit card(s) prior to doing a purchase transaction on the internet.

To activate “Prior to Shopping”, simply visit our website www.nbad.ae, click on the VBV / SC icon on the screen to reach the registration page and complete the formalities.

Activation during Shopping

This means you activate the VBV / SC service and register your credit card during shopping.

To activate “During Shopping”, while shopping at any VBV / SC enabled internet site, the system will automatically recognize that your credit card is not registered, and will transfer you to the registration page to complete the formalities. Remember that you will only be able to register one card during the purchase transaction.

To activate this service “Prior” or “During” shopping, you will need to enter your Card number, Name as on the card, Activation Code, and CVV2 (last 3 digits on the signature panel on the reverse of the card). Once the system validates the information entered, you will be asked to choose your own permanent password, (which you will subsequently use while making all your online purchases at any VBV / SC enabled internet site).

Frequently asked questions

What is Verified By Visa and Secure Code?

Verified By Visa (from Visa) and Secure Code (from MasterCard) are new services that enable you to use a password (of your choice) with your NBAD Visa and MasterCard respectively, giving you added assurance that only you can use your credit card to make purchases over the Internet. These services are being provided to all NBAD Visa and MasterCard holders free of charge.

What types of card transactions are covered by the service?

VBV/SC service will cover all your Visa and MasterCard credit card transactions.

What are the Benefits of VBV/SC?

An added level of security to online payment transactions. The service aims to reduce Internet fraud and make online shopping secure and safe for customers.

Allows you, the customer, to actively protect your Visa card and MasterCard from unauthorized use for e-commerce transaction on the internet.
VBV/SC provides enhanced online security that is convenient and simple to use. There is no special software application to install on your PC or browser - so you are not tied to one PC.

How do I register for the VBV/SC service?

Once you have your VBV/SC Activation Codes, please visit our website www.nbad.com and click on the Verified By Visa Icon to access the registration page for registering each of your Visa card(s). Then click on the SecureCode Icon to register each of your MasterCard credit card(s).

The registration process for Verified By Visa and SecureCode are similar. During the registration process, you will be prompted to enter your Card number, Name as on the card, Activation Code provided to you and CVV2 (last 3 digits on the signature panel on the reverse of the credit card), then choose your permanent VBV/SC password and your Personal Assurance message. (your Personal Assurance message will appear on a pop-up window whenever you make an online purchase at a participating merchant website).Once you have registered your credit card(s), you will be able to use the VBV/SC service right away at participating merchant websites on the internet.

What happens when I shop at participating merchant sites without registration?

When you shop at participating merchant websites (VBV/SC enabled sites), the system will automatically recognize that you are a non-registered user and will transfer you to the registration page and prompt you to complete the registration process as mentioned in Q4 above. If you fail to register, your transaction may be DECLINED.

Can I continue shopping on the Internet without registering?

You may continue to shop only at non-participating websites, however, the transactions are not afforded the security / protection available at participating merchants sites.

What if I do not receive my Activation Code by mail, or I misplace it after acknowledging for it?

In this case, you need to request for a new Activation Code. All you need to do is approach any NBAD branch and complete the Verified By Visa/Secure Code Request Form. You will soon receive your new Activation Code in the mail. Then proceed as explained above. On the whole, you should try to complete the registration process at your earliest convenience, so that you can begin to avail of the additional security benefits that come with this service.

How does VBV/SC work when making purchases at participating merchant websites?

You will select the goods or services you want from the participating merchant website and proceed to the payment page.

Enter your NBAD Visa or MasterCard credit card number and the participating merchant website connects with NBAD to check whether your card is secured with by VBV/SC.

If you have already completed the VBV/SC registration process, the VBV/SC pop-up window will appear on your computer screen displaying your Personal Assurance Message. The Personal Assurance Message was designed to reduce the risk of fraudulent merchants presenting false credentials to unknowing internet users in order to gain access to personal financial information. The appearance of your very own personal assurance message gives you the assurance that the screen presented to you by the merchant is authenticated by NBAD.

Confirm your Personal Assurance Message, then enter your VBV or SC password, depending on which credit card you are using to make the purchase. NBAD will then confirm your identity to the merchant.

Your payment is authorized and your order is placed. It’s that simple.

Can I register with my existing Visa or MasterCard or do I need to apply for a new Card?

You can register with a current and active NBAD Visa or MasterCard. Credit cards which have expired or have a status other than normal will not be eligible for the service, until renewed/regularized.

When my card is automatically renewed, does my permanent VBV/SC password need to be changed?

No, Not at all. When your Visa or MasterCard is automatically renewed, you can continue to use the same VBV/SC password.

If I replace my Visa/MasterCard, does my permanent VBV/SC password get affected?

Yes. If you have replaced your Visa/MasterCard and your card number has changed, then you will need to register for the VBV/SC Service again. You can do so quite simply, by filling the Verified By Visa/Secure Code Request Form available at any NBAD branch. You will soon receive your new Activation Code. Thereafter, follow the steps mentioned in the item relating to registration.

What if I forget my permanent VBV or SC password?

If you have forgotten your permanent VBV or SC password, you will need to register for the service again. You should approach any branch and complete the Verified By Visa/Secure Code Request Form, after which you will receive you new Activation Code. Thereafter, follow the steps mentioned in the point for registration.

How does the participating merchant website know that I have registered for VBV/SC?

Participating merchant websites will automatically recognize your Visa card or MasterCard credit card number if you have already registered it for the VBV/SC service.

Is my permanent password and Personal Assurance Message securely held?

Indeed, it is. Such security information is stored in encrypted form in NBADs secure servers. Additionally, each time you perform a VBV/SC e-commerce transaction at a participating merchant website, your password and card details are communicated using a high level of encryption.

Do I need any special equipment or software?

No. All you need is an Internet connection and Internet Explorer or Netscape browser software version 4.0 or above. To find out if your browser is compatible, go to the “Help” menu in the upper right of your browser and select the “About” option. It should tell you what version is installed on your computer.

Using VBV/SC, can I perform e-commerce transactions from a different computer than the one where I registered from?

Yes. You can make purchases at a different computer. However, in this regard, we always recommend that you perform your e-commerce transactions from your personal computer at home or office, since at publicly available terminals, it is possible that various key capture programs and other undetectable devices may be operational, without your knowledge or express consent.

What are some of the tips I should be aware of while performing e-commerce transactions over the internet?
- Use a secure browser - look for an “s” after the “http” in the web page address or URL.
- Look for the “Verified By Visa/Secure Code” mark. This is the indication that the merchant website is also participating with Visa and MasterCard to make the internet more secure for e-commerce.
- Keep your password secret. Just as you keep your ATM code secret, keep your VBV/SC permanent password secret.
- Use the Internet to compare between shops before buying online
- Compare products and prices before you buy - click around to find your item at the best price.
- Protect your card details. Only give your Visa or MasterCard details when making purchases, do not provide them to anyone (including Bank staff) for any reason.
- Check delivery and return policies. Before completing an online transaction, read the delivery and return policies on the online store’s home page. Find out if you can return items and who bears the cost.
- Keep a record of your transactions - just in case you need to return an item or have a question about your purchase.