3D Secure Service for Askari Mastercard Credit Cards

Your Askari MasterCard Credit Card is now protected by “MasterCard SecureCode” using 3D Secure Platform of internet-based transactions. With this service, when you use your Askari MasterCard Credit Card on websites that have incorporated the “MasterCard SecureCode” sign, you will receive a One Time Password (OTP) by SMS, on your registered mobile number that would be required to complete your transaction. This will add an extra layer of security while you shop online.

3D Secure is the latest technology supported by MasterCard, designed to ensure safe internet-based transactions through authentication of each transaction by the cardholder so that you use your card with more confidence.

To avail the benefits of 3D Secure, you must enrol for SMS alerts with updated contact information i.e. mobile number.

Simply call Askari Bank’s 24/7 Helpline to enroll for SMS Alerts.

  • Superior Security / Protection

    Get enhanced protection with 3D Secure when shopping on 3D Secure enabled websites as authorization of payment requires secondary verification via SMS.

  • Global Acceptance

    Make online purchases from any international websites that favour 3D Secure enabled cards.

  • Convenience

    Enjoy undisturbed online shopping. With the introduction of 3D Secure, your Askari MasterCard Credit Card will automatically be enabled for internet-based transactions.

How does 3D Secure work?

Step 1:
Shop online at any 3D Secure enabled website.

Step 2:
Enter your Askari MasterCard Credit Card details such as card number, card expiry and CVC of your MasterCard Credit Card during checkout. The online store will route the information to MasterCard.

Step 3:
The third page, MasterCard Identity Check Confirmation, will show “MasterCard SecureCode” logo and Askari Bank’s name & logo. To confirm, press next, select the check-box “Agree to Terms and Conditions” and click “Submit”.

Step 4:
You will receive (OTP) One Time Password on your Mobile number registered with Askari Bank.

Step 5:
Upon submission, your transaction will be processed. And you will receive confirmation SMS at your mobile number registered with Askari Bank.

General Information

  • What is 3D Secure?

    3D Secure Service, powered by “MasterCard SecureCode”, adds an additional layer of security when you use your Askari MasterCard Credit Card for internet-based transactions. It provides you added protection from unauthorised internet-based transactions as it requires you to provide a One Time Password (OTP) that is sent to your registered mobile number when you make any transactions on 3D Secure enabled websites.

  • What is One Time Password (OTP)?

    One Time Password (OTP) is a 06 digit online verification code sent to your registered mobile number to process & complete an internet-based transaction.

  • Which Askari Bank Credit Cards are 3D Secure Enabled?

    The 3D Secure Service is available on all Askari MasterCard Credit Cards.

  • Can I perform Internet Based Transactions on websites which are Non 3D Secure Enabled?

    Yes, you can perform transactions on Non 3D Secure websites. However, for non 3DS enable website you will not go through the OTP authentication process.

  • How much will I be charged for the 3D Secure service?

    There is no charge for 3D Secure Service.

  • How do I register for 3D Secure?

    Registration is not required for 3D Secure. All Askari MasterCard Credit Cardholders who have registered their mobile numbers with Askari Bank can avail this facility. However, Basic Credit Cardholder needs to be enrolled for SMS alerts service in order to conduct a 3D Secure enabled internet-based transaction. Therefore, ensure that your mobile number is updated in Askari Bank system.

  • Do I need to call Askari Call Centre to activate the e-Commerce facility on my Askari MasterCard Credit Card?

    No. You are already enrolled for 3D Secure services. If you wish to deactivate, you can do so by calling Askari Bank’s Help Line 111-000-787. With 3D Secure you will be able to conduct internet-based transactions without calling Askari Bank helpline for session based e-commerce activation.

  • OTP Generation and Authentication

  • How long is an OTP valid for?

    An OTP stays valid for 15 minutes from the time of generation after which it expires. In case OTP expires, the transaction will need to be reinitiated.

  • Will I receive an OTP for all my Internet-Based transaction?

    You will receive an OTP for internet-based transaction on 3D Secure enabled websites. However, for non 3DS enable website you will not go through the OTP authentication process.

  • What should I do if I do not receive my OTP?

    In case One Time Password (OTP) is not received, the transaction just needs to be cancelled and re-initiated.

  • What happens if I have entered an invalid OTP?

    Your transaction will be cancelled and you will have to reinitiate the transaction with a new OTP.

  • What should I do if I receive an OTP for a transaction not performed by me?

    Immediately call Askari Bank Help Line at 111-000-787 to block your Credit Card.

  • If my mobile phone is on roaming while I am abroad, will I receive an OTP for internet-based transactions?

    Yes, you will receive an OTP via SMS. However, you may incur roaming charges (if any) from your mobile service provider.

  • Can I provide a temporary phone number to receive my OTP if my Askari Bank’s registered phone number is not available?

    An OTP via SMS will only be sent to your mobile number registered with Askari Bank. You can update your international mobile number by sending request through your email address already registered with Askari Bank. Transaction SMS will not be received on international mobile number.

  • Will my supplementary cardholder receive an OTP on their mobile number for internet-based transactions made using their Askari MasterCard Credit Card?

    Yes, your supplementary cardholder will receive an OTP on his/her mobile number registered with Askari Bank.

  • Online Purchases

  • Which Internet Browsers do I need to use for 3D Secure?

    Any compatible web browser such as Internet explorer, Google Chrome, Microsoft Edge, Opera, Mozilla Firefox and Apple Safari can be used for 3D Secure transactions.
    Please ensure that you have enabled pop-up windows in your browser in order to complete your payment with 3D Secure transactions.

  • How will I know if the website is safe to use?

    Look for secure transaction symbols when shopping online to ensure your account information is protected. These include a lock symbol usually found on the right or left side of your browser’s address bar and a web address that begins with “https”.

    Always sign out of any website after you make a purchase. If you can’t sign out, close the browser window and clear your browser’s cache and history to prevent unauthorized access to your account information.

    Certified merchants can be identified by the logo “MasterCard SecureCode” on the merchant’s website.

  • How can I differentiate normal internet-based transactions from those made on a 3D Secure enabled website?

    “MasterCard SecureCode” logo will be displayed if you are performing an internet-based transaction on a 3D Secure enabled website. On a non 3D Secure transaction you will not receive an OTP and you will not get MasterCard 3D Secure Logo on payment form.

  • Will I be notified once the transaction is processed?

    If you have subscribed for SMS alerts, you will be notified via SMS, once the transaction is processed. Supplementary cardholder’s transaction shall be notified to Basic Cardholder on his/her mobile number registered with Askari bank.

  • What should I do if I suspect that information on my Askari Bank MasterCard Credit Card is compromised or has been used to make fraudulent purchases?

    Please call Askari Bank’s 24/7 helpline at 111-000-787 immediately and report the same.

  • Can I raise a dispute in case any fraudulent transaction happens on e com with my Askari Mastercard Credit Card?

    Yes you may raise a dispute by calling the 24/7 call center at 111000787.

  • If I make a transaction on a non 3ds website , will my Askari Credit Card data get compromised?

    In order to ensure safety you must use your credit card online with great caution and only use your credit card on a reliable websites. Askari Bank is monitoring your transactions and ensures that a fraudulent attempt is blocked as soon as it is identified.

  • Will I be refunded in case a fraudulent transaction occurs on my Askari Mastercard Credit Card?
    Once it is established through our investigation that a fraudulent transaction did infact occur and the dispute was raised timely. We will be assisting you with your refund.
  • Updating Contact Information

  • How can I have my mobile number changed or updated?

    You can call Askari Bank’s 24/7 helpline at 111-000-787 (from your Askari Bank registered phone number) to update your mobile number.

  • How can I enroll for SMS Alerts facility on Askari MasterCard Credit Card?

    Basic MasterCard Credit Cardholders can request to enroll for SMS alerts facility at any time by simply calling helpline at 111-000-787 from their phone number registered with Askari Bank.

    To update or register your supplementary cardholder’s mobile number, call helpline at 111-000-787.

  • Please be aware of possible internet frauds and luring traps of hackers.

  • Keep software updated (operating system and browsers) because malicious hackers can find vulnerabilities in softwares (windows and browsers). Please ensure that operating and browser software’s are kept up-to-date using legitimate upgrades and patches issued by the legitimate software vendors.

  • Ensure that your computer has up-to-date anti-virus software and firewall installed. Firewalls can monitor both incoming and outgoing internet traffic and anti-virus will protect your computer against Trojan and Worm attacks.

  • Make sure that your browser is set to the highest level of security notification and monitoring. The safety options are not always activated by default when you install softwares on your computer.

  • 2 of the most popular browsers are Microsoft Internet Explorer and Firefox. Check that you are using a recent version. You can usually download the latest version from these browsers’ websites.

  • Only shop at secure websites. Ensure that the security icon, the locked padlock or unbroken key symbol, is appearing in the bottom right of your browser window before you send your card details.

  • The beginning of the retailer’s internet address will change from ‘http’ to ‘https’ when a purchase is made using a secure connection.

  • Use sites you can trust, for example, the sites you know or that have been recommended to you by a trusted entity or that carry the Trust logo.

  • Click on the security icon to ensure that the retailer has a valid encryption certificate. The address on this certificate should conform to the address on the address bar. The certificate should ensure the identity of the website and the current date should be within the validity dates of the certificate.

  • Keep your personal information safe. Always be wary of emails asking you to click on a link or confirm your personal details. Reputable retailers, banks etc. would never ask you to disclose or confirm sensitive personal or security information, including your PIN. When in doubt, call the organization.

  • Avoid signing up for junk mail. This may result in pre-filled application forms being sent to an address long after you have moved out.

  • Print out your order and keep copies of the retailer’s terms and conditions return policy, delivery conditions, postal address (not a post office box) and phone number (not a mobile number). There may be additional charges such as local taxes and postage, particularly if you are purchasing from abroad. When buying from overseas remember that it may be difficult to seek redress if problems arise, but having all the aforementioned information will help us address your case if you subsequently have any difficulties.

  • Ensure you are fully aware of any payment commitments you are entering into, whether you are instructing a single payment or a series of payments.

  • In case, you pay your utility bills using virtual banking facility, ensure that username, customer ID and the amount billed are exactly the same as the bill sent to you by your company. The transaction receipt may be saved on the hard disk and may be printed as well. It can be referred to 16 in case of a mismatch with the internet transaction history or already paid bill may reappear in the next billing cycle.

  • If you have any doubts about giving your card details, use another method of payment.

  • If you regularly make transactions over the internet, consider opening a separate Credit Card Account specifically for these transactions.

  • Keep your passwords secret. Some online stores may require you to register with them via username and password before buying. Online passwords should be kept secret from outside parties in the same way you protect your card PIN. Keep the login information safe and secret.

  • Never send payment information via email. Information that travels over the internet (such as email) is not fully protected from being read by outside parties. The most reputable merchant sites use encryption technologies that will protect your private data from being accessed by others as you conduct an online transaction.

  • Never click on hyperlinks within emails. If you are sure that the company is genuine then directly type in the URL in the internet browser address bar, or call the company on a contact number previously verified or known to be genuine.

  • Do not let websites or merchants store your card information. The exchange of encrypted transactions is more secure than allowing your card information to be stored on some website.

  • Do not make online transactions using public computers. Public computers might have ‘keyloggers’ (programs that record what you are typing) and other spyware to retrieve sensitive information.

  • Avoid making online transactions in ‘Wi-Fi’ wireless spots present in restaurants, coffee shops, malls etc. as they are relatively insecure and information can easily be intercepted by persons with malicious intent.