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Understanding Your RBS mc2 MasterCard
Understanding Your RBS Ufone Credit Card
Understanding Your RBS airblue MasterCard
KINDLY DO NOT HAND OVER YOUR RBS CREDIT CARD TO ANYONE IN ANY SITUATION (E.G. FOR A LIMIT INCREASE OR CANCELLATION OF YOUR CREDIT CARD ETC), WITHOUT CUTTING IT INTO TWO HALVES AND DESTROYING THE CHIP.
Important Points
For your protection, please sign on the back of your RBS Credit Card(s) with a ball point pen as soon as you receive it. You are requested to read the RBS Credit Card Terms and Conditions carefully.
By signing and/or using your RBS Credit Card, you will have confirmed acceptance of the Terms and Conditions of the RBS Credit Card membership.
Please call our Customer Interaction Centre, at 111-06-06-06, if:
- You have any queries related to your RBS Credit Card
- Your welcome pack does not have your RBS Credit Card in it
- The information embossed on your RBS Credit Card is inaccurate
- Your RBS Credit Card is lost or stolen
- Your RBS Ufone Credit Card welcome pack does not contain your SIMS
If you are an RBS airblue MasterCard holder, your Frequent Flyer Account password is by default the last 6 digits of your C.N.I.C. Please change it by visiting the airblue website: www.airblue.com as soon as possible.
Procedures of using your RBS Credit Card
Once your RBS Credit Card is activated through our Customer Interaction Centre, you can use it to make purchases at merchant outlets accepting RBS Credit Cards or to withdraw cash at ATMs displaying  ,  or  logos.
- When you make a purchase, you agree to pay the Bank. The merchant swipes the RBS Credit Card over the Point of Sale (“POS”) machine. You indicate your consent to pay by signing a receipt with a record of the card details and indicating the amount to be paid or by entering a Personal Identification Number (PIN).
- You can also use your RBS Credit Card on any ATM in the world to withdraw cash displaying , and logos. Any amount up to 50%* of your total shared credit limit is available to you as cash.
- RBS Credit Card can also be used to make transactions on the internet. Merchant requires your name as embossed on the Credit Card, RBS Credit Card number, the expiration date, and the CVV/CVC2 code given at the back of the Credit Card (signature panel last 3 digits) to process an online order.
Please ensure that no one else uses your RBS Credit Card at the Point of Sale for any type of transaction.
Risks which may arise from the use of the Credit Card on different channels and the mechanism of mitigating these risks
Credit Card fraud can occur in a number of ways. So it’s important that you are aware of the common ways in avoiding fraud incurring on your Credit Card. The common types of fraud and the ways they can happen include:
- Your regular bank or Credit Card statements fail to appear
- Your Credit Card statement includes charges for items you have not purchased or ordered
- You find a transaction using your details has been carried out on the internet without your knowledge or consent
- You provide your Credit Card or PIN details over a telephone call without making a proper identification check.
Limit your losses
It's important to be careful when you use your Credit Cards. Never lend them to anyone, and never leave your cards or receipts lying around, no matter where you live. To prevent the risk of fraud on RBS Credit Card you as a Cardholder should protect your card and card number to the best of your ability. This can save you from being a victim of Credit Card fraud or theft. Some useful tips for fraud prevention include:
- Immediately report to our Customer Interaction Centre at 111-06-06-06 in case your RBS Credit Card is lost / stolen or security information of the ATM PIN is compromised /shared or the uncut card is handed over to any unknown person
- Always know where your cards are and keep them in a safe place
- Ensure that you have signed the signature panel on the back of your Credit Card for your own security
- RBS brings you SMS Alerts Service that allows you to receive instant SMS for each transaction conducted on your RBS Credit Card both domestically and internationally. Please activate this service to identify unauthorized transactions on your basic and supplementary card(s)
- Draw a line through the blank space above the total amount on the charge slips to prevent changes
- Don't sign blank charge slips
- Cross check details on the charge slip before signing i.e. amount charged, credit card number, customer name, card expiry date
- Always check receipts against your monthly statements. Errors must be reported within 14 days of the statement receipt date
- Record your RBS Credit Card numbers and expiration dates in a safe place, separate from your cards. Use it if you need to report lost or stolen cards
- Never put your Account Number or Personal Identification Number (PIN) or ATM PIN on the outside of an envelope or postcard. Never put your ATM PIN or TPIN on the card or in your wallet
- Frequently check your Cards Online account or E-Statements to identify erroneous charges. It’s quicker than waiting for monthly paper statements. Please register for E-Statements absolutely FREE by calling our Customer Interaction Centre at 111-06-06-06
Do not disclose or share any personal information pertaining to your RBS Credit Card to any person or individual unless you are sure that a call has been received from RBS.
The Internet
Most Internet sales are safe, but as Internet purchases increase, so do incidents of online credit card fraud. There are, however, several steps you can take to reduce the likelihood of becoming a victim.
- Deal only with reputable companies. Make sure the website you access has a physical address and a phone number you can call for additional information
- Shop at sites that offer secure ordering. Most major internet shopping sites take security precautions. While on the checkout page of a shopping site, see if the site uses a secure server before you give out your credit card information
- Be sure to deal with companies that post their privacy policy on their websites and read the privacy policy. Most companies that offer online ordering will include a privacy policy on their website. While some websites may ask for personal information, the only information a merchant needs to process an order is the name on the card, the Credit Card number and the expiration date, CVV/CVC2 code given at the back of the credit card (signature panel last 3 digits)
- Never click on internet links within emails. Instead, type the known URL
- Before making purchases online, be sure that the site has built-in security features to protect your account information. All reputable merchant sites use encryption technologies that will protect your private data from being read by others as you conduct an online transaction
- If possible, avoid using a public computer to shop online or access your account(s) and always remember to log off and quit the browser when you are finished. All it takes for someone to view your personal information is simply hitting the back button
- To protect your information, use only a computer that has a firewall in place. Install anti-spyware and anti-virus software and implement updates as soon as they’re available
Safety tips for RBS Credit Card use on ATMs
- Choose a Personal Identification Number (PIN) that's not your phone number or the numbers in your birthday or common digits such as 1234 and etc.
- Memorize your PIN and don't write it on anything in your wallet
- Check all ATM receipts against card statements
- Never lend your cards to anyone or leave cards and receipts lying around the house and office
Keep checking your statements
Even after you have reported your RBS Credit Cards missing, please check your statements frequently to monitor any fraudulent transactions. If you find any suspicious charges, please inform our Customer Interaction Centre at
111-06-06-06 immediately.
For more information about our products and services, please call our Customer Interaction Centre at 111-06-06-06
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