Dunia Finance Credit Cards

Dunia Bank is a name that does not need an introduction in the Arab world. The name ‘Dunia’ derived its essence from a world in the Hindi language which means ‘the world’. The bank is committed to serving its customer by offering most sought after financial solutions that are effective and relevant in these times. Experience, commitment, and knowledge are the pillars on which the bank’s foundation is built. The bank understands the diversified needs of the consumers around the globe and offers a customized and localized experience that caters to the customers’ needs in its truest sense. Duniya offers a multitude of services ranging from credit cards to loans, working capital management for small enterprises, and deposits for entity customers in the UAE. Needless to say that Dunia credit card is widely popular in the Gulf region.

Dunia’s strength lies in its wide variety of offering which includes financial products and services that are a class apart. This financial institution was the result of a strategic alliance between Fullerton Financial Holdings, Waha Capital, A.A. Al Moosa Enterprises and Mubadala Development. The bank is known for its unique consumer-centric and individual-based approach that aims to first identify customer needs and so offers tailored financial services that meet their needs. Customers’ convenience and comfort are at the core of the bank’s policies. Dunia is committed to making a substantial difference in the lives of its customers. The bank ensures that customers’ needs are addressed. Leaving no stone unturned toward customer satisfaction makes this bank one of the customer’s top priorities. As evidenced by the increasing popularity of Dunia credit card among Arab customers.

When it comes to serving customers, the bank has taken it up a notch by delivering impeccable service and quality offerings, which financially bolsters the standing of their partners and communities. And thus results in maximization of shareholder value. Dunia takes its customer-centric approach into consideration to deliver a segmented yet pertinent, unique value propositions that work wonderfully. The bank has made holistic banking services available to all customers in the UAE, and this is just the start. It goes without saying that more customers every day are associating themselves with Dunia to get the best of it. They consider Dunia credit card as an important tool to fulfil their personal finance needs.

Dunia believes in changing the landscape of the financial sector with state-of-art technology and high operational capability to deliver sustainable solutions for the greater good. In the Middle Eastern banking sector, Dunia is a name to reckon with, owing to its vast and varied customer base which relies on its services. The brand has many achievements to its credit as evidenced by the strong consumer base that bank on Dunia for enhancing their quality of life and meeting their goals. Moreover, Dunia finance credit card holders agree on the fact that there is an unrestricted scope of benefits available with these credit cards. 

An unnerving commitment that speaks for itself and a meaningful bond with customers that seek no external validation make this bank distinguishable from others. Being transparent and driven by a zeal for excellence, the bank keeps upping the ante to set new benchmarks in banking services. The responsible and capable workforce at Dunia abides by the fact that serving the customers with respect and dignity is first and foremost, but exceeding the customers’ expectation means empowering the customer. Striving for excellence and supporting customer throughout their financial journey, come what may, is what it takes to become a customer’s favourite and Dunia is no exception. The bank has catalogued some of the most popular products including Dunia credit card and provides a host of financial services that customers recognize.

In a value-driven culture, Dunia teams across all branches agree on the fact that potential is recognized in every individual and there are ample opportunities to learn and grow; there is no reason not to achieve unified goals. A value system that makes use of integrity and ethics to come up with newer ways of serving customers is what makes this bank an ideal choice in the Arab market scenario. That said, Dunia credit card has offered something beyond convenience, packed with tons of features for its customers- credit benefits, rewards, and cash back, and protection against miscreant activities, to name a few.

In this digital banking ecosystem, the incompetent players phase out to make way for the best of the lot. The way Dunia conducts business with all stakeholders, regulators and customers truth speaks volume about the tenacity and intensity with which this bank outperforms many other players in the region. It upholds a tradition that highly values ethical standards and never passes the buck in times of accountability. To this bank, serving customers means enriching and assisting their lifestyle by means of valuable offerings like Dunia credit card, among other things.

Dunia Personal Banking Cards

Credit cards are more than just a means to an end for the UAE populace. The incomparable need for credit cards tells us how important it has become for many people, including expats who do not want to come under any kind of financial stress.

You can leverage your credit card to improve your credit and manage your finances. A rise in the level of buyer’s aspiration is characterized by an increase in the number of credit card accounts. There is no limit to your desires as you can shop for your favourite things without reconsidering the amount of cash in your wallet. However, you can choose sensible limits on your card to manage your expenses with the utmost ease, keeping in view the monthly payment of your dues. Having said this, Dunia credit cards are very effective in money management, earning great reward points on everyday spends and managing your cash flow.

Below, we have listed the different types of Dunia credit cards- 

Dunia Diamond Credit Card

As the name suggests, the priceless offerings of Dunia credit card cater to the whims and fancies of the cardholders. With a host of privileges and offers galore, there is no reason why this card should not be regarded as the best option for those who love making the most of their money.

Dunia credit card members are eligible to get unlimited cashback at 3 % in addition to a multitude of benefits on all spends.

What are the building blocks of good credit cards? Payments, rewards, privileges, and whatnot- you name it, they’ve got it. Dunia finance credit cards have got everything covered, as evidenced by the happy faces of the existing customers. This card allows you to focus on your priorities and helps you sort out your needs in the easiest way possible. Explore a plethora of discounts at the most popular places be it popular resorts, spas, retail stores, and fine dining restaurants. Now you can do what you love the most in life with Dunia credit card and immerse yourself in the most unforgettable shopping experience.

Additional Benefits with Dunia

Cardmembers get complimentary access to 25 plus airport lounges that covers major destinations- KSA, Jordan, UAE, Kuwait, UK, USA, Singapore, Thailand, Egypt, and Turkey to name a few. You can visit the official website for the complete list of availability of airport lounges.

These credit cards are not limited to just faraway travels, but you can also earn big discounts on your next car rental from Avis company using these cards. The popular countries covered under this benefit are the Middle East, Asia, USA, Canada, and Europe. You can get more details on the offer at the company’s website.

Dunia credit card also eliminates the woes of customers when making last-minute utility bill payments for the following companies: ADWEA, DEWA, AADC, Etisalat, du, and SEWA. They can either call the 24-hour Dunia Contact Center or pay online.

Cardmembers are also eligible to get comprehensive travel advantage service with Dunia credit cards.

The offer includes a discount of 5% on airlines and airport pick-up and drop-off services, provided that you spend a minimum of AED 5000 for each travel booking and other travel packages.

The cardholder is eligible to get free supplementary cards (up to 4) for his/her family members.

Dunia finance credit card will always come in handy if you want to safeguard yourself and your family against any fraud. In addition to that, Mastercard offers complementary insurance that provides purchase protection plan.

Double Security- When it comes to security, Dunia credit card offers double the protection for you and your loved ones through a vast network of insurance service partners.

Wallet & Life Guard Program

This optional insurance program comes with its own set of benefits. In this program, American Home Assurance Company offers insurance to all Dunia credit card holders. With this program, you get ultimate protection for your wallet in case of any unforeseen event (either lost or stolen), accidental death or total permanent disability.

What are the Documents Required to get Started?

  • You need to submit your income records/previous pay slip
  • You should get a copy of Passport and resident visa
  • You should submit a copy of the Emirates ID card
  • Your past three-six months account statement
  • You should present a copy of credit card with the latest credit card statement
  • You should also submit proof of residence

So, what are you waiting for? Apply for Dunia Diamond Credit Card right now and unlock a world of exclusive privileges and discounts.

Dunia Platinum Credit Card is synonymous with exclusivity and privilege.

With a host of distinct privileges and offers galore, there is no reason why this Dunia credit card should not be considered as the best pick for those who want to make the most of their money.

Dunia Platinum Credit Cardmembers are eligible to get a cashback of 50% on movie tickets, a cashback of 5% at Supermarkets, and 2% Cashback on all other purchases.

This card allows you to earn more on every purchase in addition to the benefits that will definitely improve your user experience. Explore an array of discounts at the most popular shopping destinations. It is as easy as pie to get the most of Dunia credit card and enjoy a host of privileges such as free movie tickets and more cashback without paying an annual fee. The cardholders will earn 1.5 Dunia reward points for every AED 100 spent on your Dunia credit card. Moreover, you can redeem your reward points in the form of a gift voucher at select retail stores.

Additional Benefits with Dunia

Cardmembers get complimentary access to 25 plus airport lounges that covers major destinations- KSA, Jordan, UAE, Kuwait, UK, USA, Singapore, Thailand, Egypt, and Turkey to name a few. You can visit the official website for the complete list of availability of airport lounges.

These credit cards are not limited to just faraway travels, but you can also earn big discounts on your next car rental from Avis company using these cards. The popular countries covered under this benefit are the Middle East, Asia, USA, Canada, and Europe. You can get more details on the offer at the company’s website.

Dunia credit card also eliminates the woes of customers when making last-minute utility bill payments for the following companies: ADWEA, DEWA, AADC, Etisalat, du, and SEWA. They can either call the 24-hour Dunia Contact Center or pay online.

Cardmembers are also eligible to get comprehensive travel advantage service with Dunia credit cards.

The offer includes a discount of 5% on airlines and airport pick-up and drop-off services, provided that you spend a minimum of AED 5000 for each travel booking and other travel packages.

The cardholder is eligible to get free supplementary cards (up to 4) for his/her family members.

Dunia Platinum credit card will always come in handy if you want to safeguard yourself and your family against any fraud. In addition to that, Mastercard offers complementary insurance that provides purchase protection plan.

Double Security- When it comes to security, Dunia credit card offers double the protection for you and your loved ones through a vast network of insurance service partners.

Wallet & Life Guard Program

This optional insurance program comes with its own set of benefits. In this program, American Home Assurance Company offers insurance to all Dunia credit card holders. With this program, you get ultimate protection for your wallet in case of any unforeseen event (either lost or stolen), accidental death or total permanent disability.

What are the documents required to get started?

  • You need to submit your income records/previous pay slip
  • You should get a copy of Passport and resident visa
  • You should submit a copy of the Emirates ID card
  • Your past three-six months account statement
  • You should present a copy of credit card with the latest credit card statement
  • You should also submit proof of residence

Dunia Titanium Credit Card

Dunia Titanium Credit Card is a value-added, exclusive card that brings together exclusive Dunia’s privileges with never-before-experienced benefits. With a plethora of handpicked deals and discounts that are offered here, there is no reason why Dunia Titanium Credit Card should not be considered to be on your wish list. Dunia card members are eligible to get a cashback of 3% on groceries and a cashback of 0.75% on all other purchases.

Additional Benefits with Dunia

Cardholders can access hundreds of ‘Buy One Get One’ offers from Mastercard on leisure and entertainment among other services across the MENA region.

They can also make use of services like booking a personal chauffeur and enjoying a discount of 20 % on Careem rides.

Card members get complimentary access to 10 plus airport lounges that covers major destinations- KSA, Jordan, UAE, Kuwait, UK, USA, Singapore, Thailand, Egypt, and Turkey to name a few. You can visit the official website for the complete list of availability of airport lounges.

These credit cards are not limited to just faraway travels, but you can also earn big discounts on your next car rental from Avis company using these cards. The popular countries covered under this benefit are the Middle East, Asia, USA, Canada, and Europe. You can get more details on the offer at the company’s website.

Card members are also eligible to get comprehensive travel advantage service with Dunia credit cards.

The offer includes a discount of 5% on airlines and airport pick-up and drop-off services, provided that you spend a minimum of AED 5000 for each travel booking and other travel packages.

The cardholder is eligible to get free supplementary cards (up to 4) for his/her family members.

Dunia Titanium Credit Card will always come in handy if you want to safeguard yourself and your family against any fraud. In addition to that, Mastercard offers complementary insurance that provides purchase protection plan.

Double Security- When it comes to security, Dunia credit card offers double the protection for you and your loved ones through a vast network of insurance service partners.

Wallet & Life Guard Program

This optional insurance program comes with its own set of benefits. In this program, American Home Assurance Company offers insurance to all Dunia credit card holders. With this program, you get ultimate protection for your wallet in case of any unforeseen event (either lost or stolen), accidental death or total permanent disability.

What are the Documents Required to get Started?

  • You need to submit your income records/previous pay slip
  • You should get a copy of Passport and resident visa
  • You should submit a copy of the Emirates ID card
  • Your past three-six months account statement
  • You should present a copy of credit card with the latest credit card statement
  • You should also submit proof of residence

Dunia Credit Card Payment Options:

Here’s how to pay for Dunia credit card debt faster and get the financial freedom sooner. You can pay in either of these ways:

1-Head over to the nearest Dunia Financial Center and Pay off your Debt

2- You can mail a cheque payable to Dunia Finance L.L.C. Don’t forget to mention your card number and mail it to the issuer along with a copy of your card statement. Please, keep in mind that your card number should be written at the back of the cheque. In addition to that, ensure that the Dunia credit card payment has been received by the issuer 5 days ahead of the due date as this gives ample time for cheque clearing.

3- You can also pay using bank account transfers. If your bank account is one of those listed below, you can transfer the amount directly to Dunia’s account. In the case of other banks, you can cross-check with your bank if any transaction fee is applicable before making the payment.

Details of the aforementioned banks are as follows:

ADCB    

FGB

Mashreq

FAB

Also, ensure that payment is made three days ahead of the due date to ensure funds are timely credited to your account. Do not forget to mention your customer number while carrying out this activity. Once, you have made the Dunia credit card payment, please feel free to email to customerservices[@]dunia[.]ae and furnish the information required like bank name, card number, amount and date of transfer made. Your 10-digit customer number is available at the back, at the bottom left of the credit card. 

4- You can also choose to make Dunia credit card payment at UAE exchange locations. However, make sure that the payment is made 3 days ahead of the due date to ensure that funds are timely credited to your account.

5- You can also payoff money at Al Ghurair Exchange locations. Please be kindly reminded that Dunia credit card payment should be made three days ahead of the due date as it takes some time to credit your funds to your account in time.

Dunia Credit Card Interest Rate

 

Type Of Dunia Credit Card

Yearly Membership Fee

Supplementary Cards

Monthly Interest rate for retail and cash transactions

Diamond

AED 5,250 (AED 5,000 + 5% VAT)

Free 4 Supplementary Cards

3.33% p.m.

The repayment due date is 20 days post the statement date, as a result of which, your transaction interest rate gets free up to a period of 50 days from the transaction date. After that time, an interest charge is levied on your account in case of unpaid full balance (including earlier interest) for each payment due date.

 

Platinum

AED 525(AED 500 +5% VAT)

Free 4 Supplementary Cards

Titanium/Gold

AED 525(AED 500 +5% VAT)

Free 4 Supplementary Cards

Silver

AED 525(AED 500 +5% VAT)

Free 1 Supplementary Card

 

With Dunia Finance Credit Cards, you get ample benefits at your disposal

Enjoy a cashback of 5% at Supermarkets

Get a cashback of 5 % up to AED 300 every month on purchases at department stores for the first ninety days starting from the activation date of your card.

Buy One Get One on Movie Tickets

Get a cashback of 50 % cashback up to AED 70 every month on movie tickets brought in the first ninety days starting from the activation date of your card.

Earn a cashback of 2 % on all other purchases.

With a zero yearly membership fee, you can save up to AED500 per year.

Features of Dunia Credit Card

Selecting a Dunia credit card comes with its own set of benefits. With features that come in handy, there is nothing like using value-added cards that offer the best bang for your buck. Some noteworthy features are as follows:

These cards allow you to access more than 25 lounges in the Middle Eastern region and the Levant

Promotional discounts such as a discount up to 30 % are also worth opting for when booked with Clear trip

Get ready to make the most of your car rental booking with Avis as you get a discount of 15 % on your booking

In addition to the features mentioned above, you will be eligible to get free supplementary cards (4 in total) for your family members

Eligibility Criteria of Dunia Finance Credit Card

  • Now that we have spilled the beans on Dunia credit card benefits to some extent, need we say more? However, you need to consider the below-mentioned points to determine your eligibility for these cards.
  • Firstly, you must be eligible for the cards if your monthly salary is over AED 8000. For those applicants who have a monthly salary between AED 5,000 and AED 8,000, the bank offers Titanium credit cards.
  • Secondly, you should take into consideration Dunia credit card salary requirements. That said, you should not receive your salary in cash or by cheque but it should be transferred to your bank account.
  • Finally, you should present your Emirates ID before you start the process of online application.

What are the necessary documents which need to be submitted before applying?

The applicants should submit their recent pay slips or income documents for verification

They need to present a copy of passport and a residence visa.

Additional documents include a copy of Emirates ID, last three months’ account statement, a copy of credit card with the most recent credit card statement, and a residency proof.

How can you Cancel your Dunia credit card?

You may cancel your subscription at any time by reaching out to Dunia’s representatives or notifying them. Primary cardholders can also ask Dunia for the cancellation of the supplementary card. The cancellation, however, will not affect their primary membership.

Why Choose Dunia Credit Card Over Other Issuers?

  • There are a plethora of benefits; the popular ones are described below
  • Cardholders can pay utility bills hassle-free
  • Robust protection from fraudulent transactions is available to all cardholders
  • For every card usage, you are eligible to get up to a 3 % cashback
  • Members are eligible for travelling discounts up to 5 % on airline tickets
  • Cardholders can get access to the airport lounges during layover flights
  • You will be eligible for receiving 4 free supplementary credit cards

Dunia Credit Card FAQs -

Q. What is a Credit Card?

A Credit card is the best alternative to cash or cheque-based transactions and enables the card member to draw cash in advance (on credit )or to make a retail transaction. The billing cycle for a credit card is the time period in which a holder pays the dues as a lump sum in smaller instalments until he/she pays off the entire amount. Cardholders who carry out a variety of retail transactions using a credit card, they should pay off within the stipulated interest-free period or otherwise, they ought to pay off the interest payouts.

Q. Are Mastercard and Visa card one and the same thing?

Visa and Mastercard are the global service providers in the field of payment technology that cater to consumers, banks and governments, and several businesses worldwide. There is no significant difference in the services of the two companies; however, they don’t issue any credit cards themselves. Consumers worldwide are making the most of their services for carrying out transactions online.

Q. What is the difference between a credit card and a debit card?

A debit card allows you to make use of your own money which is deductible from your bank account during a transaction. On the contrary, a credit card allows you to perform a transaction (purchases) or a cash advance which is more like a short-term loan offered by the issuer. All the pending expenses in the form of a consolidated bill are payable at the end of the billing cycle.

Q. How many types of credit cards are there?

We can broadly classify the credit cards into two categories:

  • Specialized credit cards- As the name suggests, these credit cards are designed keeping in mind the diverse needs of the cardholders. Such credit cards include the cards that provide savings on the cost of the fuel, travel rewards, cash backs on dining and more.
  • Standard credit cards- These credit cards are cards without any frills or added advantage. Such cards are plain cards with a nominal or zero annual fee.
  • Furthermore, credit cards are easily classified as mentioned below:
  • Rewards and Offers cards- These credit cards allow you to earn reward points for every purchase. The more you use, the more discounts you receive. These points can either be redeemed as a freebie, voucher or coupon.
  • General cards- These cards do not possess any special feature besides being a card with low annual fees and basic features. Such cards are good to have if you are looking for a card for day-to-day transactions.
  • Cash-back Cards- This type of credit card offers something in return for every transaction you made using your card. The best part is you receive a certain percentage of your expenses incurred on the purchase as a cashback, getting credited to your account. This card offers you a cashback reward on every purchase which may either be credited to your bank account or adjusted as a cumulative cash back reward against your account on a periodical basis.

Q. What is supplementary/add-on card used for?

A supplementary card comes in handy as an additional credit card that may be granted to the family member of the primary cardholder. These cards come with the credit limit of the primary card and include the same features as the primary card. Interestingly, all reward points accrued through the supplementary card are transferred to the primary cardholder’s account.

Q. How many add-on cards am I eligible for and what are the charges for the same?

In most cases, you are eligible to apply for a maximum of three supplementary cards for many family members like parents, spouse, children, and siblings. As there is no set limit for issuing of the add-on card, it may vary from one issuer to another.

Q. What needs to be done if the card has been lost or stolen?

God forbid that you should ever come across such a situation. In case it happens, you must never forget to block the card and keep the unauthorized transactions from taking place. You should also call and inform the card issuer about the mishap. The representatives from the other side will act accordingly and ensure that the card is blocked and the process for issuing a replacement cared is started as soon as possible.

Q. Is it feasible to increase my credit card limit later on?

Yes, you can increase your credit card limit with the utmost ease. Placing a request with the card issuer can help ensure you are on the right track. Additionally, documents such as income declaration can help further the process. Depending on the discretionary judgment of the bank, you can look forward to an increase in your credit limit. Your past repayment history also plays a significant role in determining your eligibility for the same.

Q. What is 3D Secure?

Dunia’s 3D Secure is an online service which offers add-on security features when transacting using your credit card on select merchant websites which make use of Mastercard services, SecureCode and Verified by Visa.

Q. What is a 3D Secure Code Validation?

3D Secure code validation is an important security feature that is backed by Mastercard specifically for validating money transactions carried out at online merchants. The system provides enhanced levels of security and secures card-members and merchants from illegitimate online transactions. 

Q. How does this authentication system work?

All digital transactions done with your Dunia credit card at select merchant stores online will want you to enter a six-digit one-time password for further transaction. The OTP will then be sent to your registered mobile number. Once you enter the correct OTP, you can complete your transaction.

Just, keep in mind that you need to :

Shop at participating merchant sites and checkout

Enter your card details during checkout

Enter the OTP for validating it further 

After you have provided your OTP correctly, Dunia will validate all the furnished details and if the details are right, the transaction gets authorization.

Q. How does 3D Secure safeguard against unauthorized transactions?

Your Dunia credit card has a 3D Secure Code authorization enabled for online retail transactions and a validation of six-digit one-time password for the registered mobile number before the transaction. You should enter this OTP to complete your purchase. This step ensures that the right person carries out the transaction and to curb credit card misuse, come what may. The OTP is for one-time use only.

Q. Is there any need to register for 3D Secure authentication?

No, there is no such need to register separately. You will receive a six-digit OTP in your mobile phone when you use Dunia credit card which comes with an enabled feature of 3D Secure Code authorization for online commerce. You just need to enter the OTP received on your mobile screen and complete the transaction. This essential step helps safeguard the customers’ rights against any unauthorized activity that might happen in the absence of this authentication. After you are done with your OTP verification, Dunia will cross-check all the details and after doing what is necessary, the transaction takes place.

Q. What happens next In case of entering the wrong OTP?

In the event of entering the wrong OTP, the system prompts you to reattempt it. If you have entered the incorrect OTP subsequently three times, the transaction cannot be carried out. You will be required to initiate the process once again. In case you didn’t receive the OTP, you could click on the ‘resend’ button to send a request for receiving the password again.

Q. What are ‘chip and pin’ based credit cards?

Dunia chip and pin cards add an extra layer of security to your credit card. This is a smart payment system that offers high levels of security during retail transactions. To ensure that, you will be asked for entering your security PIN for completing your transaction with merchants.

Q. Why is it important to create a PIN?

With chip and pin based cards from Dunia, you will be asked to create a pin while making your retail purchase using a credit card. This PIN serves as your unique six-digit secret number that is not shared with anyone else. This added protection comes in handy to weed out the chances of fraud on your card. It is strongly advised that you should not disclose your Pin to anyone and keep the card safe. Those people who have received their new chip and pin credit card should call the Dunia’s round-the-clock contact center in order to activate it. The contact number for the helpline center is 9714 42-Dunia (38642).

Q. What information do you need to share to make a purchase with your Dunia credit card?

If you want to make purchases with your chip and pin credit card, you will be asked by the merchant to enter your six-digit pin. This secure pin makes Dunia finance credit card payment as easy as anything. There is no need to sign a transaction slip.

Q. What if there is no availability of a Chip and PIN device at the merchant’s place?

Some retailers still do not have a provision for the chip and pin based cards. In that case, the merchant will be required to swipe your card’s magnetic stripe and ask for your signature. Nowadays, merchants are opting for point of sale terminals that makes card payment as easy as pie.

Q. What happens once you enter the wrong PIN?

In case you enter the wrong PIN by mistake, your transaction will get declined. In the event of entering a wrong PIN subsequently three times or more, you will exceed the limit of login tries and you will be required to generate a new PIN by reaching out to Dunia Contact Center at 971 4 42-Dunia(38642 to use your credit card again.

Q. Does this 3D secure authentication process apply on all online transactions?

No, we can not say the same about all transactions. This authentication process works only when you make transactions at participating merchants that support this system. All the participating merchants’ websites bear a MasterCard 3DSecureCode logo on the checkout pages.

Q. What is the easiest way to determine participating merchants?

You will find that the participating merchants have included a MasterCard 3DSecureCode logo on the checkout/payment pages.

Q. Should I apply for a new Dunia credit card to get this security feature enabled?

No, you should not. There is no need to apply again for a credit card to avail this feature. Your Dunia credit card comes enabled with this authentication feature.

Q. How can I use this 3D Secure Authorization feature on any computer?

It looks like an easy-peasy task as you do not need to install any complex software to get the most of this feature. When you transact using your Dunia credit card on any participating merchant’s online store, your transaction is authorized using 3d secure after you are done with the OTP part to complete your purchase.

Q. What happens if my online merchant does not support 3D authorization?

Those merchant sites which did not support 3D authentication are not asked for additional authentication. These sites allow you to easily perform transactions without OTP verification. For more information or additional guidance on all things related to credit cards, you can contact Dunia contact center.

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