* For a list of compatible Apple Pay devices, see support.apple.com/km207105
If you need more information on your Citibank card, please contact CitiPhone.
If you experience problems with your Apple device or have other technical issues, please contact Apple Support.
CITIBANK N.A, UAE – Apple Pay Terms & Conditions
These Terms and Conditions are an agreement between you and Citibank N.A United Arab Emirates (UAE) (hereinafter called "Citibank" or "We" or "Us") that governs your access to and use of Apple Pay on your eligible Citibank consumer Credit Cards including supplementary cards (hereinafter called "Cards") issued by Citibank N.A. in UAE. The term "Apple Pay" shall include the Apple Pay branded payment functionality, the Card provisioning functionality, the transaction history displayed by the Apple Pay Wallet application, the Apple Watch application, Apple Pay on the Web, the Apple Watch, and any other Eligible Device (as defined below). Citibank will determine, in its sole discretion, which Cards will be eligible for use through Apple Pay. Please review these Terms and Conditions before you decide whether to accept them and continue with the addition of your Card(s) to Apple Pay.
By adding or using your Citibank Credit Card(s) in Apple Pay, you agree with these Terms and Conditions and to comply and abide with them. If you do not agree to these Terms and Conditions, then you must not add your Card to, or use your Card in connection with, Apple Pay. Use of Apple Pay is at your discretion. You are not obliged to use Apple Pay in connection with any of your Cards.
You acknowledge that your use of Apple Pay to purchase goods and services with your Card is governed by these Apple Pay Terms and Conditions, the applicable Card terms and conditions (www.citibank.ae/uae/consumer/info/terms_and_conditions.htm) and any other applicable terms and conditions set forth by Apple Inc., its affiliates and/or any third party supporting Apple Pay (jointly ‘Apple’) (available at www.apple.com/ae/apple-pay/). We may allow you to provision (link) a Card on Apple Pay before you have activated it. If you proceed to provision and use such a Card on Apple Pay, you will be deemed to have accepted these Terms and Conditions and the applicable Card terms and conditions (if you have not already done so). Your enrolment into the Apple Pay does not impact any other agreement Citibank has with you. The applicable Card’s terms and conditions are incorporated by reference into, and forms part of, these Terms and Conditions. The terms and conditions of your Card do not change when you use Apple Pay.
Eligibility / Enrollment
Apple Pay is a service offered exclusively by Apple and is available to Citibank credit cardholders with a compatible Apple device as determined by Apple (‘Eligible Device’) for the purposes of purchasing goods and services or for other permitted transactions at merchants that accept Apple Pay as a form of payment through near field communication (NFC) enabled payment terminals, for in-app purchases and for purchases on authorized merchant websites when using a compatible-Safari-browser or compatible MacBook Pro. Apple Pay allows you to use your Eligible Device to access and use your Card to make such purchases in place of presenting or using your physical Card. To add your Card to Apple Pay, you must register your Card with Apple Pay by linking (provisioning) your Card to an Eligible Device. You may be required to take additional steps to authenticate yourself before your Card is added to Apple Pay, including by providing additional identifying information. When provisioning your Card through Apple Pay to an Eligible Device that contains a secure element, a unique numerical identifier (‘Token’) different from your Card number will be added to such secure element, for the purpose of making purchases through Apple Pay. If your then present Card is renewed or replaced due to its expiration or where you have requested for a replacement, your Token in Apple Pay will be automatically updated with the new Card information. Accordingly, you agree that your new Token (updated with the new Card information) can continue to be used to make transactions through Apple Pay even without activating your renewed/replaced physical Card and you will be fully liable for these transactions. This automatic update will not apply in certain circumstances including, but not limited to, when your physical Card is replaced due to a reported loss, theft or unauthorised use, where no new cards is issued or when the device has been reported stolen.
Due to the manner in which Apple Pay operates, you may need to present your Eligible Device at a merchant when you return an item purchased using Apple Pay on such Eligible Device.
We have the discretion to approve or reject the addition of any Card to Apple Pay and need not give you any reason for our approval or rejection.
Use of Citi Cards through Apple Pay
Purchases you make with Apple Pay using your Cards are subject to the terms and conditions governing your Card which may be reviewed at www.citibank.ae for important information on your rights and responsibilities when making purchases or performing transactions using Apple Pay.
You must keep your Eligible Device safe (including ensuring that the device is not modified contrary to the software or hardware guidelines of the manufacturer) and ensure that where your passcode or personal identification number is required to allow you to use your Eligible Device to access and use your Cards to make purchases for Apple Pay, your passcode or personal identification number is not disclosed to any one and you must take all precautionary steps and prevent any fraud, loss or of your Eligible Device or any Card. You are solely responsible for the selection, maintenance, security, and operation of your Eligible Device or your internet service provider. It is your responsibility to delete your Card from your old device if you upgrade, change or dispose of it and then re-register your Card to your new Eligible Device.
If you enrol/opt for biometric verification/authentication such as finger print identity (Touch ID), Face ID, personal identification number or passcode on Apple Pay, the collection, storage, enrolment and access to Apple Pay using your biometric information, personal identification number or passcode will be made using the technology on your Eligible Device. Accordingly, when you log into Apple Pay and choose to be verified using the technology on your Eligible Device, your finger print or any other biometric information, personal identification number or passcode will be matched and verified against your Eligible Device’s technology. Accordingly, you acknowledge that we have no control over the technology on your Eligible Device, the availability, capability, verification method, security and integrity of your Eligible Device and cannot be held responsible for transactions effected using Apple Pay and authorised using any biometric information or personal identification number or passcode. You should therefore assess if your Eligible Device’s manner of verification/authentication and risks associated with such use is acceptable to you.
Where you have enrolled/opted for biometric verification/authentication as detailed above, you are responsible to ensure that only your biometric data is stored in your Eligible Device. Accordingly, you must not save a third party’s biometrics such as finger print or any other biometric information on your Eligible Device. You agree not to activate the biometric verification/authentication function and to immediately de-activate such biometric verification/authentication function in the event a third party’s biometrics is saved on your Eligible Device, whether now or in the future. In the event a third party’s biometric data is saved and activated on your Eligible Device and you continue to use your Eligible Device to access and use your Card through Apple Pay using the biometric/verification authentication method despite the caution above, you understand that such third party, using his or her biometric data, will be able to use your Eligible Device to access and use your Card to make purchases or perform transactions with Apple Pay. You agree that any such purchases or transactions with Apple Pay using your Cards by such third party will be considered as authorised by you and you shall be responsible and liable for these purchases.
Use of Apple Pay is at your discretion. You are not obliged to use Apple Pay in connection with any of your Cards. Accordingly, you agree that the access and use of your Card on Apple Pay will be considered as authorized by you and you shall be responsible and liable for the same. If your Eligible Device is lost or stolen, any biometric information or personal identification number or other passcode is compromised or unauthorisedly used or Card has been used through Apple Pay without your permission, you must notify us immediately and if we so require, furnish to us a statutory declaration in such form as we specify and/or a police report and/or any other information we may reasonably require. You are liable for all unauthorised use of your Card in connection with Apple Pay. Notwithstanding the foregoing, your liability for all unauthorised transactions on your Card through Apple Pay which are effected prior to you notifying us shall be limited to AED 250 provided (i) you have fully complied with the safety precautions and you notified us without delay, (ii) you assist in the investigations and recovery, and (iii) we are satisfied that such unauthorised transactions are not due to your misconduct and/or negligence and/or that you have not acted fraudulently.
You agree and acknowledge that the transaction history displayed in Apple Pay in connection with use of your Card in Apple Pay solely represents our authorisation of your Apple Pay transaction using that particular Eligible Device and does not reflect any post-authorisation activity including but not limited to clearing, settlement, foreign currency exchange, reversals, returns or chargebacks. Accordingly, the purchase amount, currency and other details for your Apple Pay transaction history in connection with use of your Card in Apple Pay may not match the transaction amount that is ultimately cleared, settled, and posted to your Card statement of account. You will remain liable to us for the amounts set out on your statements.
We currently do not impose a fee for using your Card through Apple Pay but we reserve the right to impose a fee in the future. Please note that Apple or another third party supporting Apple Pay may charge a fee for using your Card in Apple Pay. Your telecommunications carrier or provider may impose web-enablement, data usage or text messaging fees or other charges for your use of Apple Pay.
As a condition to using your Card in connection with Apple Pay, you acknowledge and consent to us sending notifications to the Eligible Device which may or may not be the same device as your mobile phone number on record with us. If at any time you revoke this consent, we may suspend or cancel your ability to use your Cards through Apple Pay.
Devices modified contrary to the software or hardware guidelines of a manufacturer, including by disabling hardware or software controls, sometimes referred to as jailbreaking are not Eligible Devices. You acknowledge that the use of a modified device to use your Card in connection with Apple Pay is expressly prohibited, constitutes a violation of these Terms and Conditions and is grounds for us to deny your access to your Cards through Apple Pay.
We have the right to suspend or cancel your ability to use your Cards through Apple Pay at any time and need not give you any prior notice or reason for doing so.
We have the right to impose a limit on the transaction amount charged to your Card through Apple Pay. The limit will be such amount as determined by us and notified to you.
Authorization to collect and share data
Merchant relationships and disclaimers
Merchants may present to you certain discounts, rebates or other benefits (e.g. free shipping) (Offers) in Apple Pay. Such Offers are subject to certain terms and conditions and may change at any time without notice to you. We will not be liable for any loss or damage as a result of any interaction between you and a merchant with respect to such Offers. Subject to applicable law and your Card terms and conditions, all matters including delivery of goods and services, returns, and warranties, are solely between you and the applicable merchant. You acknowledge that we do not endorse or warrant the merchants that are accessible through Apple Pay or the Offers that they provide. Any dispute that you have in connection with the good or services purchased using your Cards through Apple Pay should be resolved between you and the applicable merchant.
Changes to participation in the Apple Pay and terms and conditions
Subject to applicable law, at any time Citibank may (i) discontinue Apple Pay or your access to Apple Pay, terminate your use of Cards through Apple Pay, (ii) modify or suspend the type or cap the value of transactions allowed using Cards through Apple Pay, (iii) change the eligibility of a Card for use with Apple Pay and (iv) change the Card authentication process. or (v) terminate add, delete or change any term or condition of your Card terms and conditions or these Terms and Conditions. Citibank will provide you with notice of any such termination or change as required by law. Your continued use of Apple Pay will constitute your acceptance and agreement to any such change.
Citibank may revise these Terms and Conditions at any time And You are bound by such revisions, as implemented from time to time.
All intellectual property rights including all patents, trade secrets, copyrights, trademarks and moral rights (collectively ‘Intellectual Property Rights’) in Apple Pay (including text, graphics, software, photographs and other images, videos, sound, trademarks and logos) are owned either by Apple, Citibank, our licensors or third parties. Nothing in these Terms and Conditions gives you any rights in respect of any intellectual property owned by Apple, Citibank, our licensors or third parties and you acknowledge that you do not acquire any ownership rights by adding your Card to, or using your Card in connection with, Apple Pay.
Disclaimers of Warranty
Apple Pay is provided by Apple and other third parties that support Apple Pay and without warranty from Citibank. You acknowledge and agree that from time to time, your use of your Card through may be delayed, interrupted or disrupted for an unknown period of time for reasons we cannot control. Neither Citibank nor our affiliates will be liable for any claim arising from or related to the use of your Card through Apple Pay due to such delay, interruption, disruption or similar failure.
You acknowledge that Citibank is not party to the terms and conditions for Apple Pay between you and Apple or the other third parties supporting Apple Pay and we do not own and are not responsible for Apple Pay. We are not providing any warranty for Apple Pay. We are not responsible for maintenance or other support services for Apple Pay and shall not be responsible for any other claims, losses, liabilities, damages, costs or expenses with respect to Apple Pay, including, without limitation, any third party product liability claims, claims that Apple Pay fails to conform to any applicable legal or regulatory requirement, claims arising under consumer protection or similar legislation, and claims with respect to intellectual property rights infringement. Any inquiries or complaints relating to the use of Apple Pay, including those pertaining to Intellectual Property Rights, must be directed to Apple or the other third parties supporting Apple Pay.
We do not recommend, endorse or make any representation or warranty of any kind regarding the performance or operation of your Eligible Device. You are responsible for the selection of an Eligible Device and for all issues relating to the operation, performance and costs associated with such Eligible Device.
Limitation of liability
To the maximum extent permitted by applicable law, in no event shall Citibank, its processors, suppliers or licensors (nor their respective affiliates, agents, directors, and employees) be liable for any direct, indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, dat, or other intangible losses, that result from the use of, inability to use, unavailability of Apple Pay, or your use of your card through Apple Pay.
To the maximum extent permitted by applicable law, Citibank, our processors, suppliers, and licensors (and their respective affiliates, agents, directors, and employees) assume no liability or responsibility for any (i) errors, mistakes, or inaccuracies of content; (ii) personal injury or property damage, of any nature whatsoever, resulting from your access to or use of Apple Pay, including your use of your card through Apple Pay; (iii) any interruption or cessation of transmission to or from Apple Pay; (iv) any bugs, viruses, trojan horses, or the like that may be transmitted to or through Apple Pay by any third party; (v) any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through Apple Pay; and/or (vi) user content or the defamatory, offensive, or illegal conduct of any third party. This provision will survive the termination or expiration of these terms and conditions.
You will indemnify, defend, and hold Citibank (and its employees, directors, agents, affiliates and representatives) harmless from and against any and all claims, costs, losses, damages, judgments, tax assessments, penalties, interest, and expenses (including reasonable attorneys’ fees) arising out of any claim, action, audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises out of or relates to: (a) any actual or alleged breach of your representations, warranties, or obligations set forth in these Terms and Conditions, including any violation of any policies of Citibank, Apple or any related third party service provider; (b) your wrongful or improper use of Apple Pay, including wilful misconduct, negligence or fraud; (c) your violation of any third-party right, including without limitation any right of privacy, publicity rights or Intellectual Property Rights; (d) your violation of any law, rule or regulation of the United Arab Emirates or any other applicable country; (e) any access or use of Apple Pay by any other party with your biometric data (including Touch ID or Face ID) or personal identification number or passcode or other appropriate security code, and (f) any change in law, regulation or official directive which has an effect on the Card or Apple Pay, and the same may be debited from your Card and/or shall be paid by you on demand. This provision will survive the termination or expiration of these Terms and Conditions.
Representation and Warranty
You represent and warrant to us that: (i) you and all transactions initiated by you or using any of your Cards added to Apple Pay will comply with all federal and state, rules, and regulations applicable to you, including any applicable tax and any anti-money laundering laws and regulations; (ii) you will not use any of your Cards through Apple Pay fraudulently or in any manner so as to interfere with the operation of Apple Pay; (iii) you will not permit any use of your Card(s) through Apple Pay by any third party; and (iv) your use of your Card in connection with Apple Pay will comply with these Terms and Conditions.
In case of a conflict between these Terms and Conditions and the terms and condition that govern your Card, the decision of Citibank in this matter shall be final.
The same laws that govern your Card shall govern these Terms and Conditions. They are available at www.citibank.ae
Apple, Apple Pay, Apple Watch, Face ID, Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.
Citi, Citi and Arc Design are registered service marks of Citigroup Inc.