How to Block & Unblock Credit Cards In UAE

How to Block Credit Cards in UAE?

As mentioned above, the top UAE banks provide multiple secure options for blocking card access. By knowing these methods, you can quickly cut down the risk in case of unauthorised transactions or lost cards. 

Let’s find out how to block cards through various modes. 

1. Mobile Banking App

Most mobile banking apps let you instantly block cards. The process is fairly easy —

• Log into your account on the app
• Choose the option to manage cards
• Select the card that you wish to block
• Depending on the scenario, you block it temporarily or permanently

1. Contact Customer Care (Phone Banking)

Calling the bank’s official helpline is one of the fastest ways to block credit cards. This option is quite useful if you’re not able to use the internet or don’t have the time to download the app. 

Here’s what you need to do —

• Dial the official credit card customer care number 
• Confirm your identity 
• Choose the option for blocking card 
• Follow the on-call instructions to block the card

1. Online Banking

Internet banking portals offer another secure method for blocking cards. It’s an easy way to access your account and block your card.

The steps through this method are usually the same as those for blocking via mobile app — 

• Access your account on the official website of the bank
• Locate the option to manage cards
• Choose which card you want to block
• Confirm your choice to block it successfully

Note that temporary blocks can usually be reversed, allowing you to unblock credit card access when required.

4. Branch Visit

You can also block cards through branch visits. However, it could be tedious to locate a branch near you and go in person with all the necessary documents. In cases requiring urgent action, it’s actually advisable to use the methods above.

Precautions Before Blocking Cards in UAE

Before starting the process to block credit cards, keep the following points in mind —

• Make sure that account alerts, like SMS and email notifications, are active. This can help you find out unauthorised transactions quickly. In case you notice any suspicious activity, freeze the card right away.
• Decide whether a temporary block for misplacement or a permanent block for loss or theft is required. This is because you can reverse only temporary blocks.
• Update recurring payments, subscriptions, or auto-debits linked to the old card number when applying a permanent block.
• Remember that blocking cards temporarily may not stop standing orders or direct debits linked to the bank account. 

How to Avoid Unauthorised Transactions or Theft of Credit Cards in UAE? 

By monitoring your card regularly and using security measures, you can reduce the need for frequent card blocking. Here’s what you can try — 

• Check your card-related activity regularly. You can set up real-time SMS and email transaction alerts, which can help you spot unauthorised or questionable spends right away.
• Don’t reveal card details, number, CVV, PIN, or more to anyone.
• Use only official, secure websites for online transactions. Avoid websites that look suspicious.
• Don’t leave your card unattended in public places.
• Use a strong PIN and password. Avoid using the most common passwords like your name, ‘1234’, and more.

How to Unblock Credit Cards in UAE?

If you block your card temporarily, it’s easy to unblock it and start using it again. Here’s how to unblock credit cards online —

• Log into mobile or online banking account
• Go to ‘card management’ or ‘card controls’
• Select the ‘unblock credit card’ option
• Confirm your choice

Online and mobile banking are the easiest modes. You can also use phone banking or branch visits for the same. 

Just keep in mind that you cannot reverse permanent blocks. In such cases, you’ll need to get a new card issued.

FAQs