Credit Card Terms and Conditions

Terms and Conditions of Credit Cards for the Blink Digital Channel

These Terms and Conditions shall govern the relationship between the Bank and/or any person who applies for the issuance of a credit card. (Words importing the masculine gender, wherever used, shall include the feminine as well). The following terms and expressions shall have the meanings assigned to them below:

Definitions:

Terms and Conditions: These Terms and Conditions, which set out the manner of using the Credit Card and the rights and obligations of the Customer, and any amendments that may be made thereto, as approved by the Customer/Cardholder and published through the Bank’s electronic applications and platforms and through the Bank’s electronic application “Blink”, which is designated for the Bank’s electronic services.

Kingdom: The Hashemite Kingdom of Jordan.

Bank: Capital Bank of Jordan, in its capacity as the owner of the “Blink” trademark.

Blink: The trademark owned by and registered in the name of the Bank and used for the purposes of distinguishing the Bank’s various electronic services, which appears on its printed materials and paper and electronic publications, including, without limitation, the Bank’s electronic applications and platforms relating to such various services.

Customer: The person who maintains an account with the Bank and to whom a Primary Card is issued. The Customer shall be liable for any and all Supplementary Card(s) issued upon the Customer's request and with the Bank's approval.

Account: The account opened in the name of the Customer, or the account to be opened in the name of the Customer, for dealings using the Card.

Credit Card: The card that enables the Customer to withdraw cash or purchase goods or services without having sufficient funds in their account. The Customer may be required either to repay the full outstanding balance on the Payment Due Date or to pay a minimum percentage of such balance as specified in the Agreement, in which case interest/profit shall accrue on any unpaid outstanding balance.

Card: The Visa credit card, of all types, issued and/or renewed by the Bank.

Primary Card: The card issued in the Customer's name by the Bank at his request and in accordance with these Terms and Conditions.

Cardholder: Any person who holds the Primary Card issued by the Bank at the Customer's request.

Card Use: Any use of the Card for the purchase of goods, the receipt of services from merchants, whether in-store or online, the withdrawal of cash through Automated Teller Machines (ATMs), and/or the withdrawal of cash from banks using the Card.

Card Limit: The maximum amount that the Customer is permitted to utilize, as determined by the Bank.

PIN: The number issued by the Bank to the holder of the Primary Card and the Supplementary Card through the Bank’s electronic application “Blink”, which is designated for the Bank’s electronic services, enabling him to use ATMs that accept PINs and POS devices for cash withdrawals and inquiries about his Card balance worldwide, and automated teller/authorization machines that require the entry of the PIN in order to be used.

Costs: Include the annual card issuance fees payable by the Customer, and any costs, stamp duties, postal and transportation charges and expenses, rate, currency difference, commission, interest, all other commissions mentioned in the list of fees and commissions, collection expenses, fees, penalties, attorneys’ fees, expert fees, and any fees incurred by the Bank as a result of the issuance and/or utilization of the Card.

Monthly Payment: The amount payable by the Customer on a monthly basis, arising from transactions for the purchase of goods and services made using the Card, purchases made via the internet, and cash withdrawals through ATMs. This includes the Primary Card, and such amount represents the percentage determined to be paid by the Customer to the Bank out of the total obligations due from the Customer and the minimum amount required from him on a monthly basis.

Card Account Balance: The total utilized balance of the Card payable to the Bank according to its records as at the date of issuance of the Card Account Statement, inclusive of all expenses.

Card Account Statement: The statement showing the details of debit and credit amounts, and the Card Account Balance due to the Bank, arising from the use of the Card by its holder.

Signature: This term shall have the same meaning ascribed to it in the Terms and Conditions Governing Digital Banking Services executed by the Customer for the purpose of opening a Blink account in the Customer's name.

By virtue of this document, I, the undersigned, in my capacity as a Customer of the Bank, hereby apply for the issuance of a Credit Card and acknowledge that all information provided herein is true and correct. I authorize the Bank to verify such information through any approved sources. I further acknowledge and agree that the Bank shall have the sole and absolute discretion to approve or reject this application, with the reasons for any rejection to be stated. The use of the Credit Card issued by the Bank on my Account shall be governed by these Terms and Conditions issued by the Bank, as amended from time to time, provided that the Customer is notified of any such amendments. Upon my request, I authorize the Bank to issue a Primary Card for use on my Account. By issuing the Credit Card to me, and pursuant to these Terms and Conditions accepted by me, I shall be responsible for all withdrawals reflected in the monthly Card Account Statement issued by the Bank, which shall constitute conclusive evidence binding upon me. The Bank shall be entitled to debit any account maintained by me with any branch of the Bank, without prior notice to me, for the purpose of covering all such withdrawals, regardless of their amount. I further undertake not to exceed the maximum withdrawal limit available under the Card. Should such limit be exceeded, whether intentionally or unintentionally, I hereby irrevocably authorize the Bank to recover the excess amount immediately upon its occurrence by debiting any of my accounts maintained with the Bank. Where recovery is effected from an account maintained in a different currency, the applicable exchange rate prevailing on the date of such recovery shall apply.

Upon issuance of the Card by the Bank, I hereby finally and conclusively confirm my commitment to the Terms and Conditions set out below, which I acknowledge having read, reviewed, and approved, and I undertake to comply therewith, as follows:

All accounts of the Customer/Cardholder shall be deemed pledged by way of a possessory pledge in favour of the Bank as security for the repayment of all amounts and the discharge of all obligations incurred or to be incurred by the Customer/Cardholder arising from the use of the Card. The Customer/Cardholder hereby grants the Bank an absolute, final and prior authorization to debit any amounts arising from the use of the Card, whether inside or outside the Hashemite Kingdom of Jordan, including purchases of goods, the receipt of services, cash advances, cash withdrawals, or any other transactions, together with all commissions, interest, stamp duties, costs and expenses incurred or to be incurred in connection with the Card, from any of the Customer/Cardholder's accounts maintained with the Bank in accordance with these Terms and Conditions. The Customer/Cardholder further irrevocably authorizes the Bank, at any time, to exercise its right of set-off and to debit, recover and settle all amounts arising from the use of the Card, together with any commissions, interest, costs and expenses, regardless of the amount thereof, from any account maintained by the Customer/Cardholder with the Bank at any of its branches, whether denominated in Jordanian Dinars or any other currency. Where the debit is made from an account maintained in a different currency, the Customer/Cardholder authorizes the Bank to convert the relevant amount at the exchange rate prevailing on the date of conversion, in such manner and at such rate as the Bank deems appropriate, without prior notice to or further authorization from the Customer/Cardholder. This authorization shall be continuing and shall remain in full force and effect until all obligations, amounts, commissions, interest, stamp duties, costs and expenses owing by the Customer/Cardholder to the Bank have been fully discharged, according to the Bank's books, records and entries which shall constitute conclusive evidence of such amounts and shall be deemed final and correct within fourteen (14) days from the date of dispatch of the relevant notice.
Pursuant to these specific Terms and Conditions, the Customer hereby authorizes the Bank to open an account to be used specifically for recording the various transactions related to the Credit Card Program.
The Card is issued solely for the personal use of the Cardholder, who shall not permit any other person to use it.
It is understood that the Card shall remain the property of the Bank at all times and shall be returned to the Bank immediately upon demand, including where the Card has been cancelled or its use has been terminated. Such cancellation, termination or return of the Card shall not prejudice any claims or obligations arising prior to the return of the Card to the Bank..
The Bank shall have the right to temporarily suspend the Credit Card and prevent the Customer from using it in any of the following cases and/or for any of the following reasons. The Card shall be reactivated upon confirmation that the relevant circumstances no longer exist, provided that the Customer is notified by SMS or by a recorded telephone call:
- Loss or theft of the Card, upon the Customer's request.
- Outstanding amounts remaining unpaid for more than one (1) day.
- Freezing of the Account.
- Cases involving suspicion of fraud or forgery.
- By a court order.
- Where Blink has reasonable grounds to suspect that the Card is being used improperly and/or unlawfully, including where such suspicion arises from reports received by the Bank as a result of its inability to verify the authenticity of the transactions.
- Where the suspicious transactions originate from a country classified as high-risk.
Where the Customer requests the cancellation of the Card, the Bank shall release the security held as collateral thirty (30) days after the Customer has discharged all outstanding obligations (if any), for the purpose of verifying that all transactions made using the Card have been duly processed.
The Customer shall be notified by SMS of the Card renewal date and the applicable renewal fee at least one (1) month prior to the Card's expiry date. The Customer may request that the Card not be renewed by notifying the Bank at least thirty (30) days prior to the Card's expiry date. In such event, the Customer shall remain liable for the payment of all amounts owing to the Bank arising from the use of the Card and any Supplementary Card(s) issued in their name. Failing such notice, the Customer hereby authorizes the Bank to automatically renew the Card upon its expiry and to debit the renewal fees to the Customer's account maintained with the Bank.
The Customer/Cardholder agrees that the Bank shall not be responsible for the goods and services purchased by him using the Card, and in all cases, the Customer shall be obligated to pay the outstanding amounts arising from the use of the Card.
The Customer/Cardholder acknowledges that a Merchant may require the presentation of a valid identification document in order to complete a transaction and may refuse to process the transaction if the Customer/Cardholder fails or refuses to provide such identification document.
The Customer/Cardholder acknowledges that the Bank shall not be liable in any manner whatsoever for any refusal and/or inability of any person to accept or honor the Card. The Bank shall further have no liability whatsoever for any defect, deficiency or non-conformity in any goods purchased or services obtained using the Card, regardless of their nature or type.
The Bank shall not be deemed a party to any dispute that may arise between the Cardholder and the merchant and/or supplier of goods and/or services and any entity accepting the Card.
The Bank shall have the right to amend these Terms and Conditions, provided that it notifies the Customer by SMS to review the amendments through the Bank's electronic applications and platforms made available to the Customer.
The Customer and/or Cardholder shall retain copies of all sales vouchers issued by Merchants and/or transaction receipts issued by ATMs in order to reconcile them with the Card Statement and verify the transactions and amounts recorded therein.
The Bank shall have the right to cancel and terminate the Card at any time and in the following cases:

If the Bank determines that the Customer's name appears on any list of persons with whom dealings are prohibited.
If it becomes apparent to the Bank that any document submitted in connection with the granting of the credit facility, or any guarantee or undertaking provided by the Customer, is false, inaccurate, or misleading

The Customer shall also have the right, at any time he wishes, to suspend and/or terminate the Card. In both cases, the required balances, including interest, commissions and any other expenses and costs, shall become immediately payable to the Bank.
1. The Customer's address for the purpose of notices and correspondence shall be the address maintained in the Bank's records. The Customer undertakes to notify the Bank, in writing or through the Bank's electronic services, of any change to such address or to the Customer's telephone number(s).

The Bank shall send the Customer a monthly Card Account Statement through the Application, setting out all transactions and account activity relating to the Card during the month covered by the Statement. The Customer shall be entitled to object to any entries or transactions contained in the Statement within one hundred and twenty (120) days of receipt thereof.
The Customer hereby acknowledges and agrees that the Bank may provide the Customer with the Card Account Statement through any electronic means, including (e-mail and/or through a link sent to the Customer’s mobile phone number registered with the Bank and/or by post to the Customer’s address registered with the Bank).

The Customer agrees that failure to receive the Card Account Statement shall not be construed as and/or constitute justification for failure to pay any amounts due on the Card by its respective due dates.

The Customer agrees that the Bank may send an SMS message to the Customer’s mobile phone number registered with the Bank and/or notifications through the banking application used by the Customer upon the posting of any transaction effected using the Card, whether such transaction is carried out through the Bank’s electronic channels and services or otherwise.

The monthly payment shall be calculated after taking into account all transactions effected by the Customer, all outstanding prior obligations, the interest accrued on all such obligations, and any other commissions, based on the applicable rate and/or the applicable minimum amount specified in the Schedule of Fees and Commissions. Any unpaid amounts and interest carried forward from previous months, together with any amounts utilized in excess of the Card limit, shall be added thereto.
If the Customer fails to pay two monthly payments by the respective due dates specified by the Bank and shown in the Account Statement, the entire outstanding balance of the Card Account, together with any interest/ commissions / late payment fees, and any other expenses, shall become immediately due and payable. In such an event, the Bank shall have the right to cancel the Card.
If the Customer wishes to settle his obligations through his foreign currency account and/or elects to arrange for automatic coverage of the Card Account from his foreign currency account, the required equivalent amount shall be debited at the applicable exchange rate prevailing on the date of payment.
If the Customer fails to pay the minimum amount due on the due date, any delay in payment shall entitle the Bank to take the following:

Notify the Customer and the Guarantor, through the means duly agreed upon with each of them, within a maximum period of fifteen (15) days from the installment due.

Charge a late-payment fee at the rate specified in the Bank’s Schedule of Fees and Commissions, which shall be debited to the Card Account.

It is understood that only withdrawals made within the Card limit prescribed by the Bank may be repaid in installments. The Customer shall pay any amount in excess of such limit and/or any previously due installments on the due date specified by the Bank.
Monthly interest shall be calculated on the aggregate amount of the Customer’s obligations at the prescribed rate of 1.50%. The Bank shall have the right, upon notice to the Customer, to amend such rate in line with the prevailing interest rates determined by the regulatory authorities, whether by increase and/or decrease, provided that such rate shall not exceed the maximum permitted limit.
Interest on cash withdrawal transactions shall be calculated from the first day of the transaction until the issuance of the Card Account Statement. Such interest shall be calculated on the outstanding Card balance, including accrued interest, until full payment. A commission of 4%, subject to a minimum of JOD 4, shall apply in addition to monthly interest at the rate of 1.50%.
The Bank shall be entitled, at any time and at its sole discretion, to amend the Card limit by increasing it with the Customer’s consent or decreasing it upon notice to the Customer. Any such amendment shall not cancel, invalidate, or otherwise affect any of these Terms and Conditions, which shall remain in full force and effect without any change.
The Customer acknowledges that:

The Bank’s books, records, and accounts shall constitute conclusive evidence of the Customer’s obligations, claims, and amounts due and payable by the Customer. The Customer further acknowledges and agrees that the balance claimed from the Customer, as reflected in the Bank’s records and accounts, shall be final, conclusive, and correct unless the Bank receives an objection within fifteen (15) days from the date on which the notice is sent to the Customer’s address designated as the Customer’s elected domicile, whether or not such notice is actually delivered.
All entries, transactions, records, and dealings relating to services carried out through the Bank’s electronic means and used by the Customer, including, without limitation, all transactions and purchases of goods and services effected using the Card, shall constitute conclusive and correct evidence of the Customer’s obligations and liabilities and of all claims and amounts due and payable by the Customer to the Bank.
Failure to perform the contractual obligations may result in the enforcement of any security provided by the Customer to secure the indebtedness, in addition to, without limitation, the disclosure of credit information to credit information companies licensed by the Central Bank of Jordan, in accordance with the applicable relevant legislation.

The Customer/Guarantor undertakes to pay all amounts due, including commissions, any other costs, and interest at the prevailing rate applicable on the date of posting, as specified in the Schedule of Fees and Commissions, in accordance with the Bank’s applicable instructions and the instructions of the regulatory authorities. The Customer/Guarantor further authorizes the Bank to debit their account(s) with a cash withdrawal fee calculated at the rates applied by the Bank, being 4% of the cash withdrawal amount, subject to a minimum of JOD 4, to cover the cost charged by banks for providing this service to the Cardholder.
The Customer agrees that any credit transactions posted to the Card Account may be posted at an amount lower than the amount originally paid.
In the event of the Customer’s default, the Customer irrevocably agrees, subject to the provisions of applicable law, that all movable and immovable property owned by the Customer, together with any funds held with or subsequently deposited with the Bank or registered in the Customer’s name in the Bank’s records, shall be deemed attached and/or held as security for the payment of all amounts due and owing by the Customer as a result of withdrawals arising from the Customer’s use of the Card. The Customer hereby authorizes the Bank to effect such attachment at such times and in such manner as the Bank deems appropriate.
The Bank shall notify the Customer of any transaction effected on the Customer’s account, whether a credit or debit, including the posting of commissions, immediately upon execution and without delay, by sending SMS messages to the Customer’s mobile phone number registered with the Bank.
In the event of misuse of the Card and/or collusion in such misuse, the Customer/Cardholder, shall be liable for all amounts arising therefrom.
The Customer/Cardholder, hereby grants the Bank an absolute authorization to debit the their account with the annual Card subscription fee and all amounts, costs, and expenses arising from the use of the Card and/or incurred in connection with the Bank’s demand for payment of any debit balances due and owing by the Cardholder, whether or not the Cardholder has signed the relevant receipts when using the Card, provided that the Bank shall notify the Customer thereof by SMS message.
In the event of any attachment being imposed on the property of the Cardholder, and/or the issuance of any judgment ordering the liquidation of the Cardholder’s property and/or if the Cardholder is declared bankrupt, becomes unable to pay, or ceases payment, and/or in the event of death, the Card shall be cancelled. The debit balance outstanding on the Cardholder’s account shall become immediately due and payable upon service of a warning notice and/or notification to the Customer and shall be paid forthwith. The Bank shall retain its right to claim against the Customer’s bankruptcy trustee.
The Customer is prohibited, under penalty of legal liability, from using the Card for gambling and/or for the purchase of prohibited materials and/or goods whose purchase through the Internet and/or by telephone is prohibited by law, and/or for ordering services by mail in a manner that may result in the disclosure of the Card number and thereby expose the Cardholder to the risk of unauthorized use by others (particularly over the Internet).
The Customer/the Cardholder, shall take all necessary measures and precautions to safeguard the Card and shall keep the (PIN) separate from the Card. The Customer further undertakes to notify the Bank immediately upon loss of the Card by contacting the Call Center on 065200100 or via any other communication channel available to the Customer, including communication through the Application. The Customer shall bear full responsibility for all transactions effected using the Card before notifying the Bank of its loss, theft, or misuse, and shall remain liable for any other claims arising therefrom in the event of failure notifying the Bank accordingly. The Customer shall also notify the Bank immediately if the Card is subsequently recovered, so that the Bank may take the appropriate action. The Bank shall be entitled to issue a replacement Card for any damaged, stolen, or lost Card reported as such, and the issuance thereof shall be subject to the applicable fees prescribed for the replacement of stolen/or lost Cards.
Dealing in any type/form of virtual currency through issued Credit Cards is strictly prohibited, whether in connection with the purchase or sale thereof by means of transfers from the Card Account or transfers thereto. If any such activity is detected, the Bank shall have the right to close the Card and/the Card Account without the Customer’s prior authorization.
The Customer hereby declares as follows:

All judicial notices and/or any correspondence issued by the Bank to the Customer shall be validly served at the Customer’s address maintained in the Bank’s records.
This Agreement shall be governed by the provisions of Jordanian law and the regulations and instructions issued by the regulatory authorities, in addition to the instructions issued by the card-issuing companies and any amendments thereto from time to time.
The Court of the Palace of Justice/Amman shall have jurisdiction to hear and determine any dispute, disagreement, or claim arising out of this Agreement. Notwithstanding the foregoing, the Bank shall be entitled to institute legal proceedings against the Customer before any competent court in the place where the Customer’s address is located, irrespective of the territorial jurisdiction of such court. Accordingly, the Customer hereby waives in advance any right to challenge the territorial jurisdiction of the court selected by the Bank.
Notwithstanding anything to the contrary contained in this Article, the Bank shall be entitled to institute legal proceedings in any jurisdiction of its choosing or in any jurisdiction in which the Customer resides or holds assets. The commencement of legal proceedings in one jurisdiction shall not preclude the Bank from simultaneously commencing legal proceedings in one or more other jurisdictions.

The Terms and Conditions set out in this Form are those adopted by the Bank and shall govern the relationship between the Bank and the Customer. The Customer acknowledges having read, reviewed and irrevocably accepted these Terms and Conditions and confirms receipt of a complete copy thereof. These Terms and Conditions shall be binding upon the Customer without the need for the Customer's signature on each page. If the Customer signs the final page hereof, such signature shall be deemed to constitute the Customer's signature on all pages hereof, all of which shall form one integral instrument.
The Card Clearance Certificate shall be issued only after all of the Customer's outstanding liabilities have been settled in full, together with an amount equivalent to five per cent (5%) of the Card limit, in the Customer's capacity as debtor, in addition to any applicable interest, penalties, fees and commissions. The Card Clearance Certificate shall not be issued until seven (7) days have elapsed from the date of the actual cancellation of the Card. Alternatively, it may be issued immediately upon the Customer's request, provided that all outstanding liabilities have been settled in full, the Card has been actually canceled, and an amount equivalent to one hundred and ten per cent (110%) of the Credit Card limit has been placed on hold.
All Credit Cards shall be issued with contactless features.
The credit facility granted under the Card is covered by insurance. The Customer shall not be liable to pay any fees, charges or costs in respect of such insurance coverage.
The Customer agrees that the Bank may arrange for the Card to be delivered to the Customer at the actual address declared to the Bank. The following procedures shall apply in this regard:

The Bank shall have absolute discretion to determine the company and/or entity responsible for delivering the Card to the Customer.

Prior to receiving the Card, the Customer must present his valid personal identification card issued by the Civil Status and Passports Department, or the original passport if the Customer is non-Jordanian, for the purpose of enabling the delivery company’s representative to verify the Customer's identity.

After the delivery company’s representative records the Customer's data, the Customer shall receive an envelope containing the Card, with the acknowledgment of receipt attached thereto.

Upon receiving the receipt evidencing delivery of the Card, the Customer shall sign the same in the space designated for that purpose, write his/her full name thereon, and hand it to the aforementioned representative for return to the Bank. Credit Cards shall be subject to the applicable laws and legislation in force in Jordan, taking into account the applicable Visa International rules and the terms and conditions governing the national network connecting banks’ automated teller machines (ATMs).
Upon receiving the Card, the Customer shall access the Bank’s electronic platform (Blink Application) for the purposes of activating the Card and acknowledging receipt thereof by entering the last four digits appearing on the reverse side of the Card received.
The Customer shall be entitled to terminate the Credit Agreement within five (5) Business Days from the date of signing thereof, provided that the Customer has not utilized any part of the credit amount granted. Upon such termination, the Customer shall bear all fees and charges associated with the Credit Agreement, including commissions and fees, without being liable for any interest or early repayment charges.
The Bank shall provide the Customer, free of charge, with a monthly Account Statement containing the following:

Installment Due (Payment): The amount of the installment to be paid.
Payment Due Date: The date on which the installment must be paid.
Interest/Return Rate: The rate of interest or return applicable to the Account.
Objection Period: The period within which the Customer may object to any transactions listed in the Statement.
Objection Procedures: A clear explanation of the procedures to be followed for submitting objections in respect of any discrepancies or issues identified in the Account Statement.

The Customer hereby irrevocably and conclusively acknowledges and agrees that all terms and conditions governing signatures and electronic signatures, in accordance with the applicable Electronic Transactions Law, shall apply to all transactions and procedures relating to the Card, which shall also be governed by the General Terms and Conditions for Opening Accounts accepted by the Customer. This shall include, without limitation, all procedures requiring the Customer's signature, whether by handwritten or electronic signature, in connection with the Customer's dealings with the Bank and all purchases of goods and services made using the Card, including the execution of these Terms and Conditions.
The Customer may repay the credit, in whole or in part, at any time without being restricted to the minimum payment amounts. No additional fees shall apply in respect of early repayment. The Customer shall notify the Bank through the approved channels and comply with the prescribed repayment procedures.
If the Customer wishes to submit a complaint, the Customer shall contact the Bank’s Customer Complaints Unit. The complaint shall be addressed within ten (10) Business Days from the date of submission thereof, subject to a maximum period of thirty (30) Business Days, through any of the following communication channels:

Toll-Free Complaints Number: 080022332

E-mail: compliants@capitalbank.jo

Bank Website: www.capitalbank.jo

Complaints Number: 065100200

General Notes:

If you are not satisfied with the response to your complaint, you may refer your complaint to the Central Bank of Jordan or the competent courts. The contact details of the Central Bank of Jordan are as follows:

Telephone (10 lines): +962 6 4630301

P.O. Box: 37, Amman 11118, Jordan

Fax: +962 6 4638889

E-mail: fcp@cbj.gov.jo

In Person: By visiting the premises of the Central Bank of Jordan

Terms and Conditions of the Verified by Visa (VBV) Service

These service-specific terms apply when you use the Verified by Visa (VBV) Service; unless otherwise specified, the terms defined herein have the meanings defined in the Card terms and conditions.
The Verified by Visa (VBV) Service provides additional, free security while shopping online.
The Bank does not guarantee the security of transactions made online but instead acts only as an intermediary between the Customer and the merchant; thus, you are fully responsible for any purchase made on your Credit Card via the Internet.
This service is automatically available for all Visa Credit Cards, so there is no need to subscribe to the service individually. All Capital Bank Customers are automatically enrolled in this service upon signing the Credit Card application forms and the Card Terms and Conditions, whether directly or remotely through the Bank’s electronic services.
When you agree to the conditions of this service, you confirm that you have fully read and irrevocably accepted all the terms and conditions applicable thereto, as applied by each merchant and referred to through this content.
This service works when using Visa Credit Cards to make online purchases from any stores that support the service. The screen for entering the one-time password (OTP) appears, and the OTP is sent to the phone number the Customer has registered in the system to verify the Customer’s identity. By entering the OTP, the Customer shall be deemed to have finally accepted all the terms and conditions governing the use of this service.
In the event that the OTP is incorrectly entered, the site will stop the purchase from being completed.
If the requirements of the automatic payment process are not completed, the purchase will not be completed. The Bank shall not be liable for any loss or damage incurred by the user of the service as a result of the purchase not being completed.
The password is applicable only to the transaction for which it is received and shall not be used for any other transactions.
When using this service, the Customer and/or user of the service must:
1. Ensure that the phone number registered with the Bank is updated periodically.
1. The customer shall not disclose the OTP to anyone and shall take all necessary precautions and exercise due care to prevent its disclosure by any person.
1. Ensure that the phone is prepared to receive text messages, with the Customer bearing all expenses associated with receiving text messages from the Bank.
If you do not have a mobile phone or have not provided us with your mobile phone number, the Bank will not be able to provide you with the OTP via text message. In this case, a message will appear on the screen asking you to contact the Call Center to register your approved phone number.
The OTP verification screen will not always appear. This may occur, for example, if you make an online purchase from a merchant who does not use this service, in which case you may proceed with the normal automated payment process without any liability on the part of the Bank.
OTP or personal information will not be shared with merchants when making purchases online.
The Bank shall not be liable for any loss or damage resulting from the use of this service or any online transactions.
The Bank shall not be liable for any loss or damage resulting from any modification or suspension of this service.
Due to the nature of this service, the Bank shall not be liable for any loss of or damage to software, computers, communication systems, or other equipment resulting from the use of this service or from any interruption or suspension thereof for any reason whatsoever.
Any correspondence or dealings between you and merchants, whether online or through the Service, shall be solely between you and the relevant merchant, and the Bank shall not, under any circumstances, be a party to any such transactions. Accordingly, you agree to release and discharge the Bank from any liability for any loss or damage arising out of or in connection with such transactions. A merchant’s participation in the Service shall not imply that the Bank recommends, endorses, or advises dealing with such merchant. For example, the Service does not verify the merchant’s identity or the quality of the goods or services offered.
With respect to the intellectual property rights relating to the Verified by Visa (VBV) Service, you acknowledge and agree that you shall not acquire any ownership rights or proprietary interest in the software made available to you for the purpose of using the Service.
We may permanently or temporarily deactivate or suspend your use of the service and/or terminate your use of the service, upon notice to the Customer, without providing any reasons for doing so.
In exceptional circumstances, the Bank may, at its sole discretion, provide the Customer with prior notice, within such period as the Bank deems appropriate, before deactivating the Service where the Bank has reasonable grounds to suspect fraudulent or unauthorized use, as a measure to protect the Customer, without being under any obligation to do so. The Bank may also automatically deactivate the Service if it has not been used at least once during any consecutive twelve (12)-month period.
The Bank may, at any time and at its sole discretion, amend the terms of the service, and any such amendments shall take effect after the Bank has notified you thereof. The Customer further agrees that the Bank may, at any time and at its sole discretion, elect to change the method of enrollment in this service, whether by requiring self-enrollment or otherwise.

I acknowledge having read the above terms and conditions for Capital Bank Credit Cards and the Verified by Visa (VBV) Service, for both primary and supplementary Cards, and I hereby finally and irrevocably agree thereto.

How to contact us?

send us an email at info@theblink.com