Terms & Conditions E-GOV Card

E-GOV Card

  The E-Gov ATM Card was designated as a reloadable card. The Card has other additional control features over payment methods and usage and it can be issued in the name of company or institution.

The E-Gov Card has control features that make it suitable and more convenient for easy payments in government agencies in particular, managing companies & institutions employees' expenses and paying bills, etc.

 Card Control Features

Card owner can select to activate or deactivate one or more of the following e-services upon issuance of the card or via CBK Online: 

  1.          Point of sale usage by entering the PIN number or by using Near Field Communication feature (Tap it service) through point of sale terminals.
  2.          ATMs usage.
  3.          Usage of the card outside Kuwait.
  4.          K-Net payment gateway.
  5.          Government usage (through point of sale terminals and websites of government agencies).

 Terms and Conditions

When applying for the E-Gov Card issued by Commercial Bank of Kuwait (K.P.S.C) (hereinafter referred to as “the Bank”), you agree to comply with the below terms and conditions:

  •           The Client Relationship Terms & Conditions, which are contained in the Client Relationship Form, are integral part of the present terms & conditions and any violation thereof shall constitute breach and will result in obligations on your part towards the Bank.
  •           Purchases: The E-Gov Card can be used for purchases through POS terminals at stores or retailers and via (K-Net) payment gateway and the card’s available balance shall be reduced by each successfully processed purchase transaction amount. Some POS terminals may require entering the PIN number you selected upon issuance of the card.
  •           Cash withdrawals: Your card can be used for cash withdrawal via ATMs by entering the PIN number and the card’s available balance shall be reduced by the value of each cash withdrawal successfully processed.   
  •           Customer (card owner)'s responsibility: The customer (the card owner) is fully responsible for the transactions processed by using the card and any commissions or damages in case of:
    • His/Her signature on any transaction, collecting cash withdrawal slip or using the card at point of sale terminals.
    • His/Her usage of the PIN number for conducting transaction by the card.
    • In case transaction is conducted by the customer without presenting the card including purchasing by mail or phone or via (K-Net) payment gateway. 
    • In case any information is made available and which indicates the customer’s acceptance of the transaction online or by any other means.
    • Activation or deactivation of the abovementioned usage features & authorities or other features related to the card norms shall be the responsibility of customer (card owner) whether such authorities, norms or features are amended via CBK Online or CBK Mobile. 
  •           Personal Identification Number: The authorized signatory, who will sign on behalf of the customer (card owner), will select the PIN number upon issuance of the card and this number must not be written on the card or disclosed to any other person other than the actual card user and you should also notify the Bank immediately in case you lose your PIN. 
  •           Loss/theft of card: In case your card is stolen or lost, the customer (card owner) should immediately call the contact center on 1888225 and in case you fail to notify the Bank of the same, your card may be used by other persons other than the actual card user. The customer (card owner) will be fully responsible for any misuse of the card and for any amounts or balances deducted from your account due to misuse of the card. However, you can deactivate the card via CBK Online. In case the card is lost or stolen, the Bank will bear no responsibility towards you or a third party for any damages or amounts incurred due to the card loss or theft. In all cases, the customer (card owner) shall be responsible for any transactions conducted by the actual card user or by a third party. Further, the customer (card owner) relieves & discharges the Bank entirely & totally from any responsibility that may arise from any transactions conducted by the customer (card owner) or the actual card user or a third party by using this card.      
  •           Card Validity: The card is valid for two years commencing from the date of issuance.
  •           Card Renewal: The customer authorizes the Bank to debit his account linked to the card or any other accounts held with the Bank with all commissions and expenses that may result due to the card renewal. In the meantime, the Bank shall notify the customer of the value of commissions & expenses through any of the Bank’s communication channels. 
  •           Card’s Available Balance: The card’s available balance can be withdrawn in cash after and subject to collecting the fees applicable in this regard.
  •           The customer undertakes to pay to the Bank the subscription and renewal fees or any other fees related to E-GOV Card as per the Bank's list of fees & commissions and any related amendments that may be introduced in the future as approved by the Central Bank of Kuwait.

I, the undersigned, acknowledge that I have read this application and understood its content and agreed on its terms & conditions and obligations. I also acknowledge that I have received a signed copy of this application.

The above terms and conditions are governed by the laws enforceable in the State of Kuwait and Kuwait courts shall have sole jurisdiction to settle any dispute that may arise out of such terms and conditions.

E-GOV Card

The E-Gov ATM Card was designated as a reloadable card. The Card has other additional control features over payment methods and usage and it can be issued in the name of company or institution.

The E-Gov Card has control features that make it suitable and more convenient for easy payments in government agencies in particular, managing companies & institutions employees' expenses and paying bills, etc.

Card Control Features

Card owner can select to activate or deactivate one or more of the following e-services upon issuance of the card or via CBK Online: 

1.         Point of sale usage by entering the PIN number or by using Near Field Communication feature (Tap it service) through point of sale terminals.

2.         ATMs usage.

3.         Usage of the card outside Kuwait.

4.         K-Net payment gateway.

5.         Government usage (through point of sale terminals and websites of government agencies).

Terms and Conditions

When applying for the E-Gov Card issued by Commercial Bank of Kuwait (K.P.S.C) (hereinafter referred to as “the Bank”), you agree to comply with the below terms and conditions:

·          The Client Relationship Terms & Conditions, which are contained in the Client Relationship Form, are integral part of the present terms & conditions and any violation thereof shall constitute breach and will result in obligations on your part towards the Bank.

·          Purchases: The E-Gov Card can be used for purchases through POS terminals at stores or retailers and via (K-Net) payment gateway and the card’s available balance shall be reduced by each successfully processed purchase transaction amount. Some POS terminals may require entering the PIN number you selected upon issuance of the card.

·          Cash withdrawals: Your card can be used for cash withdrawal via ATMs by entering the PIN number and the card’s available balance shall be reduced by the value of each cash withdrawal successfully processed.   

·          Customer (card owner)'s responsibility: The customer (the card owner) is fully responsible for the transactions processed by using the card and any commissions or damages in case of:

-           His/Her signature on any transaction, collecting cash withdrawal slip or using the card at point of sale terminals.

-           His/Her usage of the PIN number for conducting transaction by the card.

-           In case transaction is conducted by the customer without presenting the card including purchasing by mail or phone or via (K-Net) payment gateway. 

-           In case any information is made available and which indicates the customer’s acceptance of the transaction online or by any other means.

-           Activation or deactivation of the abovementioned usage features & authorities or other features related to the card norms shall be the responsibility of customer (card owner) whether such authorities, norms or features are amended via CBK Online or CBK Mobile. 

·          Personal Identification Number: The authorized signatory, who will sign on behalf of the customer (card owner), will select the PIN number upon issuance of the card and this number must not be written on the card or disclosed to any other person other than the actual card user and you should also notify the Bank immediately in case you lose your PIN. 

·          Loss/theft of card: In case your card is stolen or lost, the customer (card owner) should immediately call the contact center on 1888225 and in case you fail to notify the Bank of the same, your card may be used by other persons other than the actual card user. The customer (card owner) will be fully responsible for any misuse of the card and for any amounts or balances deducted from your account due to misuse of the card. However, you can deactivate the card via CBK Online. In case the card is lost or stolen, the Bank will bear no responsibility towards you or a third party for any damages or amounts incurred due to the card loss or theft. In all cases, the customer (card owner) shall be responsible for any transactions conducted by the actual card user or by a third party. Further, the customer (card owner) relieves & discharges the Bank entirely & totally from any responsibility that may arise from any transactions conducted by the customer (card owner) or the actual card user or a third party by using this card.      

·          Card Validity: The card is valid for two years commencing from the date of issuance.

·          Card Renewal: The customer authorizes the Bank to debit his account linked to the card or any other accounts held with the Bank with all commissions and expenses that may result due to the card renewal. In the meantime, the Bank shall notify the customer of the value of commissions & expenses through any of the Bank’s communication channels. 

·          Card’s Available Balance: The card’s available balance can be withdrawn in cash after and subject to collecting the fees applicable in this regard.

·          The customer undertakes to pay to the Bank the subscription and renewal fees or any other fees related to E-GOV Card as per the Bank's list of fees & commissions and any related amendments that may be introduced in the future as approved by the Central Bank of Kuwait.

I, the undersigned, acknowledge that I have read this application and understood its content and agreed on its terms & conditions and obligations. I also acknowledge that I have received a signed copy of this application.

The above terms and conditions are governed by the laws enforceable in the State of Kuwait and Kuwait courts shall have sole jurisdiction to settle any dispute that may arise out of such terms and conditions.