Bahl Desktop Logo Bahl Responsive Logo

3D Secure service provides an additional security layer while using your Bank AL Habib Credit/Debit Card for internet-based transactions. It protects from unauthorized access. You will be required to provide a One-Time Password (OTP), that is sent to your mobile number and email address registered with the bank, when you make any transactions on 3D Secure enabled websites. The transaction cannot be processed without the given OTP.

Click here to download Rules/Terms & Conditions

3D Secure Enablement Process

Visit 3D Secure enabled online merchant
Enter the required Card details and proceed to checkout page
After successful checkout, OTP screen will generate prompt for customer
OTP will be sent on customer`s mobile number and email, registered with the bank
Upon submission of correct OTP, transaction will be processed


  • Bank AL Habib is indemnified against any and all actions, proceedings, liabilities, claims, losses, damages, costs and expenses incurred or sustained by Bank AL Habib in relation to or arising as a result of action of internet session.
  • In case a non 3D secure website is used to perform an online transaction, an OTP will not be generated and the liability for all reversals will reside with the merchant. Therefore, kindly avoid using non 3D secure websites.
  • Bank AL Habib will never contact you asking for your Personal Information, Debit/Credit card number, PIN, OTP or CVV via Phone, SMS or email, and it will not be liable for any loss, damage, costs or expenses of any nature whatsoever arising from any disclosure that you make of the aforesaid information.
  • You agree and acknowledge the Terms & Conditions for 3D Secure.
  • Every time you conduct an online transaction on your card, please contact our 24/7 Call Center 021-111-014-014

Frequently Asked Questions