Terms & Conditions If you wish to apply, please read the following Terms & Conditions thoroughly and download the application form to be completed and mailed to:

NBAD Card Centre
National Bank of Abu Dhabi
P.O. Box: 28886
Abu Dhabi
United Arab Emirates

These terms and conditions are In consideration of National Bank Of Abu Dhabi (hereinafter referred to as “ NBAD") agreeing to make available an Nbad @surfer (as hereinafter defined) to the applicant (hereinafter called the "Nbad @surfer Virtual Account Holder") at the Nbad @surfer Virtual Account Holder´s request, the Nbad @surfer Virtual Account Holder hereby agrees to the following terms and conditions.

1. DEFINITIONS

The following expressions shall have the meanings herein designated unless otherwise distinguished. All other terms shall have the same meaning stipulated in the NBAD Credit Card Terms and Conditions (as applicable).

1. "nbad @surfer" means the NBAD credit card issued by the Bank to the MasterCard Virtual Cardholder.
2. "nbad @surfer Virtual Account Holder" means the person that applies for the said payment card product.
3. "nbad @surfer Transaction" means the amount charged by the Bank or any Merchant for any goods, service, benefit or reservation obtained by the use of the nbad @surfer or the nbad @surfer number or in any other manner on the Internet authorised or made by the Nbad @surfer Virtual Account Holder, regardless of whether a sales or other voucher or form was signed by the nbad @surfer Virtual Account Holder. The transactions will however be restricted to non face-to-face charges only.
4. "Credit Limit" means the maximum debit balance permitted by the Bank for the nbad @surfer, which shall be part of the Credit Limit originally assigned to the Card held by the Cardholder as notified to the nbad @surfer Virtual Account Holder from time to time.
   
5. "Merchant" means any person supplying good and/or services on the Internet or otherwise who accepts the nbad @surfer of the MasterCard Virtual CardHolder as a means of payment or reservation by the MasterCard Virtual CardHolder.
   
2. ELIGIBILITY
1. The nbad @surfer shall be available to both Banking as well as Non-Banking Customers provided that they meet the NBAD criteria for issuing an nbad @surfer.
2. All the terms and conditions applicable to the Nbad @surfer Virtual Account Holder under the NBAD Credit Card Terms and Conditions shall apply (that is, with the necessary changes) to the nbad @surfer and for such purpose the term "Card" shall be read and construed as if the term "nbad @surfer", was substituted therefor.
3. COLLECTION OF THE NBAD @surfer
1. The nbad @surfer may be collected by the nbad @surfer Virtual Account Holder or sent to the address notified to the Bank by the nbad @surfer Virtual Account Holder at the risk of the nbad @surfer Virtual Account Holder. An optional email notification will also be available at the entire risk of the Cardholder.
2. Upon receipt of the nbad @surfer the MasterCard Virtual CardHolder shall call the Bank on the number specified in order to activate the nbad @surfer. The MasterCard Virtual CardHolder shall identify himself and advise of his account number and any other confidential information, that the Bank may require. The MasterCard Virtual CardHolder consents to the recording of his telephone call with the Bank and accepts that, the Bank as evidence in a court of law or any legal proceeding may use such record. The MasterCard Virtual CardHolder´s signature is proof of delivery and shall constitute receipt of the Nbad @surfer.
3. The use of the nbad @surfer shall constitute binding and conclusive evidence of the confirmation of the Nbad @surfer Virtual Account Holder to be bound by these Terms and Conditions and NBAD /MasterCard Credit Card Terms and Conditions, not withstanding that the Bank is not notified of the nbad @surfer Virtual Account Holders receipt of the nbad @surfer. Activation of the product immediately signifies acceptance of all terms & conditions pertaining .
4. USE OF THE Nbad @surfer
1. The nbad @surfer is issued for payment of any purchase of goods and/or services on the Internet and for non face-to-face transactions excluding dual mode transactions such as car rentals, hotel reservations etc., which may be charged to the Card Account.
2. The nbad @surfer can not and shall not be used to facilitate payment for the purchase of goods and/or services at outlets, stores, shops using points of sales or that which require physical presence of the nbad @surfer Virtual Account Holder or the nbad @surfer at the outlet.
5. TRANSACTION DISPUTE
1. Any disputes arising from transactions charged to the card account are to be notified to the Bank within 30 days of the statement date. Resolution of the same will be subject to terms laid down by MasterCard International Charge Back regulations from time to time.
2. The nbad @surfer Virtual Account Holder will remain entirely responsible and liable to make payment to the company for any debit to the Card Account arising from any transactions, goods or services supplied by merchants, by any person whether with or without the knowledge of the Cardholder and irrespective of whether they were authorised by the Card Account Holder or not.
6. PAYMENT
1. The Nbad @surfer Virtual Account Holder agrees to pay to the Bank upon the request of the Bank the annual fee as prescribed by the Bank for the nbad @surfer when issued or renewed. The Bank may, from time to time, by giving prior written notice to the Nbad @surfer Virtual Account Holder, change the amount of fees or charges payable by the nbad @surfer Virtual Account Holder and the period of time within which the fees or charges are payable by the nbad @surfer Virtual Account Holder. Such changes shall apply from the effective date specified by the Bank.
2. The Bank shall be entitled to treat any sales draft, transaction record, other charge record bearing the name of the nbad @surfer Virtual Account Holder, the Nbad @surfer number and/or the expiry date of the Nbad @surfer as evidence of a debt properly incurred by the nbad @surfer Virtual Account Holder to be debited to the Card Account.
3. The total of the Charges incurred under or through the nbad @surfer shall not exceed the Credit Limit or Pre-paid amount in case of a pre-paid card .
4. All Nbad @surfer transactions shall be debited to the Card Account and be included in the Card Statement of Account.
7. MISCELLANEOUS
1. The Bank may at any time recall nbad @surfer with or without giving prior notice to the MasterCard Virtual CardHolder. The nbad @surfer Virtual Account Holder shall immediately after such recall return such nbad @surfer(s) to the Bank and make full repayment of all Charges and liabilities to the Bank. In case of a plastic reference card being issued the same would have to be cut in half and returned to the bank.
2. The MasterCard Virtual CardHolder shall take all reasonable precautions to prevent the loss or theft of the nbad @surfer and the disclosure of the nbad

@surfer number , CVC code and the expiry date. The Bank will not be held responsible in case stolen or lost Virtual Account information is used prior to receipt of a lost complaint in written notice from the cardholder. Any loss / compromise of card information is to be immediately notified to our 24 hour call centre on 800 2211 and a subsequent written complaint filed.