Based in Dubai, the Commercial Bank of Dubai (CBD) has steadily paved its way into the UAE banking industry as a progressive and modern banking institution. It offers an array of banking solutions in both traditional and Shariah-compliant modes. One of the sought-after products of the CBD is its credit cards, with the bank offering an array of cards including World MasterCard, CBD Smiles Visa Signature Card, Titanium MasterCard, CBD Smiles Visa Platinum Card, and Super Saver Signature. Whichever card you select; you can manage it using the online banking feature provided by CBD.
This article details queries like how to use a CBD credit card with online banking account and how to change the credit card ATM PIN online, and other aspects like the benefits of CBD bank credit card login.
How to Register for CBD Credit Card Net Banking Account?
Using Commercial Bank of Dubai’s credit card with online banking simplifies processes like checking the credit card balance online, making important payments, and more. In case you have a bank account with CBD, you can simply link your credit cards with the net banking account. However, if you are not an existing user and new to CBD credit card online banking, you can create a new net banking account using your CBD credit card.
The following are the steps for creating or linking a Commercial Bank of Dubai credit card with online login account.
For Existing Users
Visit the CBD online banking website and login to the account.
On the online bank account webpage, select ‘request’ or ‘service request’.
Select ‘link credit card to the bank account’ when the pop-up menu appears.
Fill in the credit card details for the card you wish to link to the online banking account. Submit your credit card number as well as your birth date, registered mobile number, and email ID.
You will receive an OTP on the mobile number you registered. Enter the OTP in the required field and select ‘submit’.
After this, the request form to link the credit card to the online banking account will be submitted. Generally, it takes a day or two for the credit card to get linked to the online banking account.
For New Users
Go to the CBD online banking account and click on ‘register now’ on the login webpage.
Enter your 16-digit CBD credit card number. This will be followed by the alphanumeric code mentioned in the verification image.
Continue the process and click on the ‘Get Security Code’ tab. You will receive a security code on the registered mobile number via a message.
Next, create a user ID and password.
The above-mentioned steps will lead to the completion of the registration process. You can always use an active CBD credit card to register your online banking account. If your credit card is not activated, the option to connect with the CBD call centre for the same will always be available.
When you are logging into the account for the first time, follow the below-mentioned steps for accessing the CBD credit card login online account:
Enter your User ID.
Select a security image that appears on the screen and enter the phrase associated with the security image.
Enter the CBD online banking password.
Accept the terms and conditions available on the page.
Benefits of Accessing Commercial Bank of Dubai (CBD) Credit Card Online
By accessing your Commercial Bank of Dubai credit card with a login account, you can easily pay off your card bills, check the available balance, redeem the rewards offered on the card, and do several more tasks. The advantages of using a CBD credit card online banking account are listed in detail below:
Easy Access to Credit Card Statements: With a CBD credit card online banking account, you can view both your current and previous billing statements. Moreover, you can even opt for paperless billing and obtain your credit card statements online rather than in the mail.
Check Transactions in Real Time: When you regularly monitor your internet banking account, you can locate false transactions easily. As your expenditures will instantly show up on your CBD credit card login account, you won’t have to wait for the monthly emails to check for deceitful transactions. This feature enhances the security aspect related to your account.
Bill Payment: With CBD online banking provision, users can directly pay their credit card bills. Just make sure to check the minimum payment amount by the due date to make the payments.
Check the Credit Card Balance regularly: Before incurring any new expenditures, you can check your online banking account to confirm if your recent payments have been processed or not. With an accurate balance displayed immediately, the hassle of contacting the call centre to check the balance is reduced.
Easily Check and Redeem Your Rewards: When you login to the Commercial Bank of Dubai credit card online banking account, you can check your current and previous reward balance. This allows you to redeem the rewards as and when required.
Simplified Reporting of Misplaced or Stolen Credit Cards: In the regular mode of printed statements, finding the customer care contact information in an instant can often prove tedious. The impact of such delay is exacerbated when your credit card is lost or stolen, with even slight lags potentially increasing the scope of financial damage.
However, with online banking, you can easily report the theft by logging into your CBD credit card online banking account. Moreover, you can also generate a new credit card and have the old one blocked or check your account for any transactions made with your credit card since it was lost. With easy access to such crucial information due to online banking, you can report suspicious payments to the Commercial Bank of Dubai Support Centre.
Note: When you use the online banking account, ensure that it is the correct website. Entering credit card information on a redirected webpage reached by clicking random links can often prove harmful. Another essential thing here is to ensure that you do not use a public computer or unsecured Wi-Fi network to check your online credit card balance.
Commercial Bank of Dubai (CBD) Credit Card Payment Process through Net Banking
Paying off credit card bills via CBD bank credit card online login account is a fairly straightforward process, with users able to make credit card bill payments from anywhere across the globe. Simply login to the Commercial Bank of Dubai credit card online banking account and follow the mentioned steps:
Visit the cards section and click on the credit card option. From the list of cards linked to the CBD banking account, select the one for which you need to make the payment.
Select the payment mode and the sum you need to pay. You can pay the minimum amount or the entire sum at once that is due.
Once you have made the selection and entered the amount, enter the required credentials. The amount will be debited from the CBD bank account.
Other valid payment methods include direct debit, phone wallet, and CBD mobile banking application. If you wish to make an offline bill payment, you can also do it by paying in cash or submitting a cheque.
You can also pay your credit card bill from another bank using the online banking account with the following steps:
Select the ‘pay’ option in the menu.
Choose the ‘credit card’ option.
Select the ‘other bank cards’ option and verify the payment details for completing the transaction.
Changing CBD Credit Card ATM PIN Through Net Banking
You can follow the below-described steps to change the ATM PIN for your credit card with the CBD credit card online login account:
Login to the Commercial Bank of Dubai credit card login account.
Click on ‘services’ and select the ‘card’ option from the pop-up menu.
Select the credit card for which you wish to change the ATM PIN.
You will be transferred to the webpage where you can change the PIN. Enter a 4-digit numeric code that you will be able to remember and click on ‘confirm’.
You will instantly receive an OTP on the registered mobile number. Fill in the same in the required field and confirm to change the PIN.
To safeguard the card from fraudulent transactions, you must follow some steps, especially when using the PIN. To begin with, ensure that your credit card is only swiped in your presence. Similarly, you should not reveal credit card information through emails, chats, and other means. Make sure that you don’t save credit card information on e-commerce sites. Finally, take extra care to ensure that you are using only the authentic websites for safe online transactions.
You can use the Commercial Bank of Dubai credit card online banking account to pay your credit card payments. However, to do so, make sure that your credit card is registered to your online banking account.
Can you pay other bank’s credit card bill with CBD credit card online banking account?
Yes, you can pay credit card bills from other banks with these steps:
Select the ‘pay’ option in the menu.
Select the ‘credit cards’ option in the pop-up menu.
Here, you can choose the ‘other bank cards’ option.
Proceed by verifying the payment credentials to complete the payment.
Can you pay someone else’s CBD credit card bill?
Yes, it is easy to pay for someone else’s credit card bill using a CBD credit card login account. Here is how you can do the same:
On the main menu, click on the 'Pay' button.
Choose 'Credit cards' and opt for 'CBD card for someone else'.
After you confirm the payment information, the money will be deducted from your bank account.
What are the advantages of Chip and PIN for CBD credit card online banking account?
Chip and PIN is a reliable option for authorising transactions as your card contains a microchip that makes it difficult to replicate the card. Moreover, your Personal Identification Number (PIN), required for purchases, is only known to you, which enhances the security level.
What precautions should you take when using CBD credit card online login account?
Some precautions to make your CBD credit card online login account experience safe are as follows:
Avoid visiting a website by following a hyperlink in a suspicious email and entering personal information there
As CBD will never ask you for your PIN or password details, always be wary of unauthorized emails or phone calls asking the same
Verify that the transaction is protected and encrypted by checking for
A lock or key in the corner indicating the approval of the certification authority
Inclusion of ‘Https//’ in the URL
Keep your antivirus software, private firewall, and the Operating System updated