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3D Secure

Added Security. Powered by Citi.

At Citibank, we are constantly working towards bringing added security measures to make your banking experience safer than ever. With our new added security feature, we bring you Credit Cards with enhanced safety online. This service offers added online protection while shopping with most of the leading online merchants that incorporate the 'Verified by Visa' or 'MasterCard Secure Code' sign.

Choose Citibank Credit Cards to minimize fraud risk and help secure your online transactions, every time.

  • Additional verification for greater peace of mind
  • Enhances online security without additional software required
  • Simple and convenient
How it Works
When you make an online purchase at the participating 3D Secure merchant, you will be prompted to key in your 16-digit card number, card expiry date and security code (CVV2).
A One-Time Password (OTP) will be sent to your mobile phone number as maintained in our records.
Enter the OTP when the pop-up screen appears
What is Citibank 3D Secure?
Do I really need to register for 3D Secure?
How does 3D Secure protect me?
Does the service file cookies on my computer?
What must I do if no Verified by Visa / MasterCard SecureCode window appears in the event of an online payment?
Can I get an overview of the transactions I have made with 3D Secure ?
Who do I need to contact if I presume my transaction went through several times?
Can I use Verified by Visa / MasterCard SecureCode on any computer?
Are there any charges for this service?
For which type of Citibank Credit Cards does the 3D Secure feature apply?
Can I accumulate reward points through online shopping?
Do all online transactions require me to key in a OTP?
What happens if I were to key in the wrong OTP 3 times in a row?
If I do not have a mobile phone number registered with the Bank, can I still make online purchases?
To whom will the OTP be sent if supplementary cardholder is doing an online transaction and supplementary card holder’s mobile number is not registered with the Bank?
What is the One Time Password (OTP) that is required for Online Transactions on my Citi Card?
Can I use one OTP for more than one transaction?
For how long is the OTP valid?
What happens if I do not receive the OTP?
How many times can I request for an OTP to be re-sent to me?