Introducing enhanced security on Standard Chartered Credit Cards with 3D SecureTM

3D SecureTM is a new security feature on the Standard Chartered Credit Cards which is powered by Visa and MasterCard.

Key benefits

  • Use your Standard Chartered Credit Card for Online purchases in a safe and secure manner.
  • No hassle of registration will be required for enabling online purchases.
  • No transaction will be authorised without entering the One Time Password (OTP) sent to the customer’s registered email address &/or mobile number. As a result, instances of fraudulent usage of your Credit Card on electronic sites will be minimised considerably.

Non-3D SecureTM transactions

Use details on the card
card number, expiry date, (CVV)

Transaction gets authorized


3D SecureTM transactions

Use details on the card
card number, expiry date, (CVV)

One time Password (OTP) gets generated

OTP gets sent to your registered email id & mobile number

Only if the OTP is correct & the card details are correct will the transaction get authorized

How does it work?

The 3D SecureTM feature offers enhanced security through an additional SMS/email authentication process when you pay online with your Standard Chartered Credit Card on websites that have incorporated the 'Verified by Visa' or 'MasterCard SecureCode' sign. This ensures that only you as the cardholder will be able to complete the online purchase.

  • 1. Shop online at any 3D SecureTM website

  • 2. Enter your Standard Chartered credit Card details during checkout

  • 3. You will receive a one-time password (OTP) on your mobile and email address

  • 4. Enter the one-time password (OTP) in the additional screen

  • 5. Transaction completed

Keep your contact information updated

  • Please ensure that your latest mobile number and email address are updated with Standard Chartered Bank as the OTP will be sent to your registered mobile number and email address
  • Please ensure that you have enabled pop-up windows in your browser as you will be required to enter the OTP on a pop-up window on the payment page
  • Please note that some websites are not 3D SecureTM compliant and hence do not ask for One Time Password (OTP) to authorise the transactions. These transactions are inherently unsafe as details on the card (card number, expiry date and CVV code) are sufficient to carry out the transaction.


What is 3D SecureTM?

3D SecureTM is an online security feature that is powered by Visa and Mastercard for Credit Card transactions that are carried out online. This feature protects you from unauthorised online purchases as you will be required to provide a one-time password (OTP) that is sent to your registered mobile number when you make any online purchases on websites bearing the "Verified by Visa” or "MasterCard SecureCode" sign.

Is the 3D secureTM authentication process applicable for all online purchases?

No, this additional authentication process is applicable only to websites that have enabled the security feature. You will be able to identify if the website is enabled for 3D SecureTM i.e. if the "Verified by Visa" or "MasterCard SecureCode" sign is displayed on the website.

How does 3D SecureTM protect me against unauthorised transactions?

3D SecureTM protects you against unauthorized online purchases as you will be required to enter an OTP, that will be sent to your mobile number and/or email address, before you can complete the online purchase. This additional authorization step ensures that only you, as the cardholder, will have the password required to complete the transaction.

How much does the 3D SecureTM feature cost?

The 3D SecureTM feature is a free security feature on all Standard Chartered Credit Cards.

Do I need to apply for a new Standard Chartered Bank Credit Card to enable the 3D SecureTM feature?

No, the 3D SecureTM feature is applicable across Standard Chartered Chip and PIN Credit Cards.

How can I update my mobile number and email address?

You can update your mobile number and email address by:

  1. Contacting Phone banking at (+973) 17 531 532. For Priority Banking clients call 80001400.
  2. Logging into online banking and updating your email ID
What if the website does not have the 'Verified by Visa' or 'MasterCard SecureCode' sign?

The 3D SecureTM SecureTM feature is a safe and secure mode of carrying out transactions as each transaction can only be authenticated by a One Time Password (OTP) sent to your registered mobile number and email address.

Call Us

Call our hotline for further information.

17 531 532

Contact Me

Alternatively, please complete our contact form and we will be in touch as soon as possible.

Contact Me »

Locate Us

Visit the branch that is nearest to you.

Find a Branch »

Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.