The benefits of your Debit and Credit Card
Introducing Garmin Pay! Make contactless payments with your Emirates NBD Debit & Credit Cards linked to your Garmin watches*. Garmin Pay works everywhere contactless payments are accepted. With Garmin Pay, you can be out for a run, and pay for your favorite sport drinks from your wrist with your Garmin watch.
The convenience of your mobile phone
Fast, easy and secure
Add your Emirates NBD Card to Garmin Pay & pay with your watch
High level of security
Keep your transactions (Card number) private
Accepted anywhere
Use Garmin Pay at contactless payment terminals worldwide
Click here for Terms and Conditions.
*Garmin Pay is available on D2 Delta S, D2 Delta, D2 Delta PX, Fenix 5S Plus, Fenix 5 Plus, Fenix 5X Plus, Forerunner 645, Forerunner 645 Music, vivoactive 3, vivoactive 3 Music)
To get started, download the latest version of the Garmin Connect Mobile app on your Apple or Android smartphone or tablet and make sure your Garmin watch is charged and follow these steps.
- Open the Garmin Connect Mobile app on your device, tap 'Garmin Devices', and select your Garmin watch
- Select Garmin Pay and tap 'Create Your Wallet'
- Create a four-digit passcode to keep the wallet on your watch secure
- Enter your card details
- Read and accept the Terms and Conditions
- Enter the Authentication Code sent by SMS to your registered mobile number on our system
- Once you are done, the card will be added to your wallet and you're ready to go
You can view and manage your Cards in the Garmin Connect Mobile app. Just tap 'Garmin Pay' and then 'Manage Your Wallet'.
That’s it! You're ready to make payments with Garmin Pay
- Press and hold the action button on your watch.
- Tap the Wallet icon and enter your 4 digit passcode.
- Select the card you want to use by swiping up and down.
- Hold your wrist near the contactless terminal. A green tick will appear when the transaction is succesful.
Use Garmin Pay anywhere you see the contactless symbol 
You will be prompted to enter your passcode every 24 hours or after every time you put your watch back on after taking it off
Benefits at a glance
- Make contactless purchases on the go without a wallet or smartphone.
- Change the card you want to make purchases with at the checkout.
- Temporarily block or delete a card at any time.
- Compatible with Apple and Android smartphone or tablet.
The safer way to pay
Your physical Card number is kept private and never stored in Garmin Pay or shared with merchants.
For added safety, using Garmin watch requires authentication from your personal watch PIN.
Real-time purchase alerts keep you on top of your Card account. You can also view your last transactions in the Garmin Connect mobile app.
Enjoy peace of mind with sophisticated fraud protection from Emirates NBD.
How secure is Garmin Pay?
Using Emirates NBD cards with Garmin Pay is secure. There are number of security features Garmin Pay transactions have. Some of them:
- Garmin Pay is safer than using a traditional credit or debit card. Garmin Pay requires the PIN to be entered 1 time in a 24 hour period if the watch is still on your wrist. A PIN will be required each time the watch has been taken off your wrist.
- Your card number and identity aren't shared with the merchant, and your actual card numbers aren't stored on your device - instead a unique Token number is used.
- All transactions are monitored by Emirates NBD's risk and fraud detection systems.
Can I use Garmin Pay if my physical credit or debit card is lost or stolen?
If your card is lost or stolen, call us immediately on +971 600 54 0000. We’ll need to block the card and replace it to prevent unauthorised transactions. Once we block your card, you can’t use Garmin Pay. Please remember that you will remain liable for all transactions on your card until the time of reporting the loss to the bank as mentioned in our terms and conditions.
What should I do if my Garmin watch is lost or stolen?
If your watch is lost or stolen you can still suspend or delete your wallet from Garmin Connect Mobile on your phone. These options are on the Garmin Pay main menu and can be selected without the watch being connected. The suspend wallet option deactivates all cards in your wallet and the delete wallet option deletes all cards in your wallet.
What should I do if my watch and phone are lost or stolen?
If your watch and phone are lost or stolen, please call Emirates NBD immediately on +971 600 54 0000 to report the same so we can block the card and replace it. After we block your card you will not be able to use Garmin Pay. Since the payment cards on Garmin Pay are digital versions of your physical payment cards, you need to remove the original payment card from Garmin Pay and register the replacement card. Please remember that you will remain liable for all transactions on your card until the time of reporting the loss to the bank. Please refer to the terms and conditions of card use on our website.
How will I know a transaction was successful?
After completing a payment using Garmin Pay, payment confirmation will be displayed on your watch screen. Additionally, you will continue to receive transaction alerts through SMS on your registered mobile number. [Note: See prior comment about the "green tick".]
How can I return a purchase if I used Garmin Pay to make the purchase?
To return something you bought with Garmin Pay you'll need your store receipt, just like you would for any other purchase. If the merchant asks you to swipe your card, simply hold your watch to the contactless payment terminal. For some returns, you might have to provide the last 4 digits of your virtual account number.
كيف أحافظ على أمان بيانات بطاقتي وجهازي؟
- لا تترك جهازك دون مراقبة أبداً
- غيّر رمز المرور الخاص بجهازك إن كنت تعتقد أن شخصاً آخر اصبح يعرفه
- يرجى الانتباه إلى الرسائل التي تطلب منك الإفصاح عن أي معلومات شخصية أو مالية للوصول إلى أجهزتك أو تثبيت البرنامج
- اتصل بنا بأسرع وقت ممكن عندما تشك بأن هناك استخدام غير مصرح به لجهازك، أو في حالة فقدانه أو سرقته، أو إذا كنت تعتقد أن بياناتك قد تعرّضت للاختراق
- تأكد من تحديث تفاصيل الاتصال الخاصة بك المحفوظة لدينا حتى نتمكن من الاتصال بك بسرعة عند الحاجة
What if I'm having a problem making a Garmin Pay payment?
There could be a number of reasons for this:
- There may be insufficient funds or credit limit available to make the transaction
- The payment is over AED 300. Some merchants may not support Garmin Pay transactions above AED 300 on their terminals
- The merchant does not accept Contactless payments. Not all retailers accept Contactless payments yet. Please use another payment method such as your debit or credit card with Chip and PIN authorization.
What is Garmin Pay?
Garmin Pay is a contactless payment solution that enables customers to make in-store purchases with their compatible Garmin smartwatches. You can use Garmin Pay everywhere contactless payments are accepted.
Who can use Garmin Pay?
All Emirates NBD Debit and Credit Card holders using below Garmin smartwatches can download the Garmin Connect Mobile app to their iOS or Android devices and use their watches. For iOS platforms, mobile devices have to run on iOS 10 or higher. For Android platforms, mobile devices have to run on Android 4.4 KitKat or higher.
Supported Garmin smartwatches:
- Vivoactive 3
- Vivoactive 3 Music
- Forerunner 645
- Forerunner 645 Music
- Fenix 5S Plus
- Fenix 5 Plus
- Fenix 5X Plus
- D2 Delta S
- D2 Delta
- D2 Delta PX
How does Garmin Pay work?
Garmin Pay uses Near Field Communication (NFC) to make contactless mobile payments. This ensures that Garmin Pay will work everywhere contactless payment are accepted.
Near Field Communication (NFC) enables devices in close proximity to communicate without any physical contact. Payment transactions using NFC technology can be completed by simply waving the NFC enabled device on contactless terminals.
How can I add my Emirates NBD Cards on Garmin Pay?
To get started, download the latest version of the Garmin Connect Mobile app on your Apple or Android smartphone or tablet and make sure your Garmin watch is charged and follow these steps.
- Open the Garmin Connect Mobile app on your device, tap 'Garmin Devices', and select your Garmin watch
- Select Garmin Pay and tap 'Create Your Wallet'
- Create a four-digit passcode to keep the wallet on your watch secure
- Enter your card details
- Read and accept the Terms and Conditions
- Enter the Authentication Code sent by SMS to your registered mobile number on our system
- Once you are done, the card will be added to your wallet and you're ready to go
How can I make a payment with Garmin Pay?
To pay with your watch:
- Hold the button that allows you to access the watch's Control Menu
- Tap the Wallet icon and enter your 4 digit passcode. Navigate using the Up and Down buttons if you have a button driven interface
- Select the card you want to use by swiping up or down or using the Up and Down buttons
- Hold your wrist near the contactless terminal. A green tick will appear when the transaction is successful
You will be prompted to enter your passcode every 24 hours or after every time you put the watch back on after taking it off.
NOTE: If you enter your passcode incorrectly three times, your wallet locks, and you must reset your passcode in the Garmin Connect Mobile app.
How can I can manage my Garmin Pay Wallet?
You can view detailed information about each of your payment cards, and you can activate, deactivate, or delete a card.
- From the Garmin Connect Mobile app dashboard, select Garmin Pay > Manage Your Wallet > Select the card
- Select an option:
- To activate or suspend the card, use the Suspend Card toggle switch. When the card is suspended, you cannot use it to make purchases using your smartwatch
- To delete the card, select Delete Card. The card is completely deleted from your wallet. If you want to add this card to your wallet in the future, you must enter the card information again.
Changing Garmin Pay Passcode
You must know your current passcode to change it. Your passcode cannot be recovered. If you forget your passcode, you must delete your wallet, create a new one, and reenter your card information. You can change the passcode required to access your Garmin Pay wallet on your device.
- From the device page in the Garmin Connect Mobile app, select Garmin Pay > Reset Passcode
- Follow the on-screen instructions
- The next time you pay using your device, you must enter the new passcode
Suspending or Deleting Your Garmin Pay Wallet
You can temporarily suspend or completely delete your Garmin Pay wallet.
- From the device page in the Garmin Connect Mobile app, select Garmin Pay
- Select an option:
- To temporarily suspend your wallet, select Suspend Wallet. You cannot pay using your device until you unsuspend your wallet using the app.
- To unsuspend your suspended wallet, select Unsuspend Wallet.
- To delete your wallet, select Delete Wallet. Your Garmin Pay wallet and all the card information associated with it are deleted. You cannot pay using your device.
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