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Chip and PIN

About Chip and PIN

Your FAB credit card is equipped with an encrypted chip along with enhanced security using Personal Identification Number (PIN) to authenticate your transactions.

How Does It Work:

  • After generating your credit card transaction PIN, you can use your FAB credit card for any retail purchases at merchant Chip and PIN terminals worldwide
  • The terminal will prompt you to enter your 4-digit PIN
  • Your transaction will be authorised once the PIN entered is validated
  • If a merchant outlet does not have a chip terminal, you may still use your FAB credit card by signing the receipt
  • For cash withdrawal transactions at any ATM worldwide, please use the same Personal Identification Number (PIN)
  • In order to keep your card safe, please ensure your 4-digit PIN is known only to you and is not shared with the merchant or anyone else
  • If you hold multiple and supplementary FAB credit cards, individual cards must be activated and a transaction PIN should be generated separately from the primary cardholder’s registered mobile number

Activation and PIN Reset

To generate or change your transaction PIN:

SMS CACT space < last 4 digits of your card > space < 4-digit pin number of your choice > from your registered mobile number and send it to 2121. Example: CACT 2015 8021

To know more about your Chip and PIN credit card or to change your PIN at any time, please call 600 52 5500 for assistance.

Can't find what you are looking for?

We are currently experiencing higher call volumes than usual. We encourage you to use the FAB Mobile application and check our Frequently Asked Questions (FAQs) page.



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