Fitbit Pay


Al-Tijari is pleased to present to you a new payment method using Fitbit Pay.

Fitbit Pay is a contactless (NFC, Near Field Communication) payment solution that enables you to make in-store purchases with selected Fitbit trackers and smartwatches. It is a secure, fast and easy form of payment that will save you the hassle of carrying cash or using your physical card. All you need is your Fitbit watch!

Who is eligible to use Fitbit Pay?

  • All Al-Tijari Mastercard Debit, Credit and Prepaid Cardholders using any of the accepted Fitbit models can start using Fitbit Pay.

Which Fitbit models are accepted?

  • Fitbit Ionic
  • Fitbit Sense
  • Fitbit Versa 2, Versa 3 and Versa Special Edition
  • Fitbit Charge 4
  • Fitbit Charge 3 special edition

How to activate the service?

  • To get started, you must first download the latest version of the Fitbit app on your smartphone (iOS and Android) and make sure your Fitbit device is charged.
  • Open the Fitbit App on your phone and navigate to your Fitbit device settings.
  • Tap Fitbit Wallet and follow the instructions to add your card.
  • If you haven't created a PIN code for your Fitbit device, you will be asked to set one. 4 digit Pin code needs to be entered once every 24 hours and each time you remove the Fitbit device from your wrist and wear it again.
  • Read and accept the terms and conditions.
  • Enter the Authentication Code (OTP) sent by SMS to your registered mobile number on our system.
  • Once you’re done, Fitbit Pay will sync the activated card to your Fitbit device via Bluetooth.
  • After you complete one-time set up for Fitbit Pay, you can make payments from your Fitbit device even without having your phone nearby.

Where can you use Fitbit Pay?

  • Any store that has contactless POS machine or any NFC device.

How to make a payment with Fitbit Pay?

  • Press and hold the left button on select Fitbit device for 2 seconds.
  • Enter your 4-digit watch PIN code.
  • Select your desired Al-Tijari card on the device screen.
  • To pay with your default card, hold your wrist near the contactless payment terminal.
  • When the payment succeeds, your Fitbit device shall vibrate and you’ll see a confirmation on the screen and a push notification will be displayed, if enabled on your smartphone through the Fitbit App.
  • To see your recent transactions, visit the Wallet in the Fitbit app, select your Al-Tijari card and then scroll down to see your 3 most recent transactions.

Terms and Conditions

  • Maximum amount allowed per day is KD500
  • This service is only available for Mastercard Debit, Credit and Prepaid cards
  • This service is only available on the accepted Fitbit models
  • For Fitbit Pay Terms & Conditions, visit

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Tijari Wallet


Now, Al Tijari is offering its customers a convenient “frictionless” and “contactless” payment experience that enables customers to make in-store payments by using their smartphone device which, is also linked to their CBK Mobile Application.
It’s secure, quick and simple, to make a transaction, all the customer has to do is hold their mobile device over the payment reader through a near field technology Communication “NFC” for the transaction to be processed.

Who can use this Service?

All MasterCard Debit, Credit and Prepaid Cardholders

Tijari Digital Wallet Benefits

  • The service is easy, quick and safe to use
  • Add an unlimited number of Debit, Credit & Prepaid Cards to the digital wallet
  • No internet connection is required on device payment
  • Not required to log-in directly through CBK Mobile App to process payments
  • Transactions can be conducted locally/internationally
  • Your card number and identity is not shared with the merchant
  • Vast security options either through Biometric ID or PIN entry  

How to Activate the Service

  • Login to your CBK Mobile App.
  • Under the Cards tab, select the card you would like to digitize to the Wallet by clicking on “Digitize Card”
  • Enter Card Expiry Date and CVV Number
  • You will receive an OTP for confirmation
  • Accept Terms & Conditions

Terms & Conditions

  • Service Terms & Conditions Applies
  • Maximum amount allowed per day is KD500
  • The service is currently available on Android Operating System that support NFC
  • This feature is available to individuals accounts only (not applied for companies)


  • Who can use this feature?
    Only MasterCard Debit, Credit and Prepaid Cardholders who have an Android phone that supports NFC.
  • How many cards can I register to my wallet?
    You are able to add an unlimited number of MasterCard Debit, Credit and Prepaid cards, whereas only one card can be set as a Primary Card.
  • If there is insufficient balance in the primary card in the wallet, what will happen?
    The transaction will be declined
  • Can I set two cards as a primary?
    No, only one card can be set as primary card at one given time. However, you may choose to change the primary card whenever you wish from within the CBK Mobile app, simply by clicking on the wallet tab and selecting on the 3 dots icon located at the bottom right-hand corner of the card.
  • How to make a payment transaction?
    Simply hold your Smartphone device on a contactless Payment Terminal (POS) for the transaction to be processed.
  • How can I deactivate, delete or update my cards on the wallet?
    You can login to your CBK Mobile App or through the bank’s contact center
  • Does my physical card get affected if I delete or deactivate the registered card on the wallet?
  • Can I make in-store international transactions?
    Yes, as long as it’s a contactless Payment Terminal (POS)
  • Can I use my Tijari Wallet to make online transactions?
    No, only in-store transactions with an enabled contactless Payment Terminal (POS)
  • Should mobile device be NFC enabled?
  • Can I register my cards on my wallet using an iOS Operating System (iPhone)?
    No, the service is currently available for Android phones only.

Assistance & Support

For further assistance and support, kindly contact:

  • Al-Tijari Contact Center on 1-888225
  • Al-Tijari Live Video Banking or WebChat through the Mobile Application or by visiting

Download Now..!

Garmin Pay


Garmin Pay was created for active people who are in constant motion.
With Garmin Pay, you can keep making purchases with the same cards you use every day. Just add them to your watch’s digital wallet, and then continue taking advantage of the perks and rewards your card offers.

Benefits of Garmin Pay

  • Easy to connect
  • Easy to pay
  • Secure payment

How to connect Garmin Pay?

  • Download the latest Garmin Connect app on your smartphone.
  • Open the app, go to the Garmin Devices section, and choose your watch.
  • Select Garmin Pay.
  • Click on Create your Wallet
  • Next create a 4 digits passcode to keep your digital wallet secured
  • Once done, you will need to add at least one card to your wallet to make payments by selecting your card and then following the instructions for adding the card
  • Read and accept the Terms & Conditions
  • Verify your identity by entering the Authentication Code (OTP) sent by SMS to your registered mobile number on our system.
  • Once this is done, your card will be added to the wallet.

How to pay with Garmin Pay?

  • Press and hold the light key to bring up the control’s menu.
  • Select the wallet icon.
  • Enter your 4 digits passcode if prompted (you will be required to enter your passcode every 24 hours or each time you remove the Garmin device from your wrist and wear it again)
  • Choose the card you want to pay with by scrolling up or down on the watch screen.
  • To pay, hold your wrist near the contactless terminal in the store.
  • When the payment succeeds, a green tick mark will appear on the screen

Who is eligible to use Garmin Pay?

All Al-Tijari Mastercard Debit, Credit and Prepaid Cardholders using any of the accepted Garmin devices can start using Garmin Pay.

Which Garmin devices are accepted?

  • Tactix Delta
  • D2: Delta, Delta S, Delta PX
  • Marq: Driver, Aviator, Captain, Commander, Adventurer, Athlete, Golfer
  • Quatix: 6, 6 Titanium, 6X Solar
  • Fénix: 6, 6S, 6X
  • Approach S62
  • Forerunner: 945, 645, 645 Music
  • Vívoactive: 3, 3 Music, 4, 4S, Vívomove

Which stores accept Garmin Pay?

Garmin Pay works wherever contactless payments are accepted. Look for the Wifi sign near a cash register or on a terminal.

Terms and Conditions

  • Maximum amount allowed per day is KD500
  • This service is only available for Mastercard Debit, Credit and Prepaid cards
  • This service is only available on the accepted Garmin models
  • For more information on Garmin Pay, visit


For the first time in Kuwait,

We are pleased to announce that Al-Tijari Bank is the first bank in Kuwait to bring you the latest new digital payment solution with SwatchPAY!

Just like any other smart watch payment, SwatchPAY! is a contactless (NFC, Near Field Communication) payment solution that enables you to make in-store purchases using selected Swatch models.

SwatchPAY! Benefits:
1- No internet required
2- No charging required
3- Fast and Secure payment method
4- 10% discount for all CBK customers on all swatch watches with SwatchPay! NFC technology.

Who is eligible to use SwatchPAY! ?

All Al-Tijari Debit, Credit (VISA and Mastercard) and Prepaid Cardholders using any of the accepted Swatch models can start using SwatchPAY!

How to activate SwatchPAY! feature?

You have 3 ways to activate SwatchPAY! , by:

1- Taping your Swatch watch on your mobile device from the SwtachPAY! mobile application on iOS and Android.
2- Visiting any of Swatch Watch stores and placing your watch on the SwatchPAY Box.
3- Activating SwatchPAY! directly from the Swatch website (if you’ve purchased the watch online from the Swatch website)

How to link a card to SwatchPAY! Application?
1- Download and enroll into SwatchPAY! Application from the App Store, or the Google Play Store
2- Open your personal SwatchPAY! Account in the app and select “Add New Card”
3- Enter your card details OR select “Scan Card” to add the payment card
4- Activate the SwatchPAY! feature

To activate SwatchPay! on iOS, Click here!
To activate SwatchPay! on Android, Click here!

Note that only one card can be activated for a given SwatchPAY! watch

Where can you use SwatchPAY! ?

Any store that has contactless POS machine or any NFC device.

How to make a payment with SwatchPAY! ?

  • Hold the watch up to the contactless POS terminal.
  • Wait until the payment has been successfully confirmed on the POS terminal.

Usage terms:

  • Credit cards transaction limit:
    Transactions are treated as per the existing linked card.
  • Debit card and Multicurrency prepaid card:
    Transactions are treated as per the existing linked card (limited to KD 25 per transaction in Kuwait).
T-Pay Service

Al-Tijari bank always seeks to be up to date with the latest technological trends and new ways of payments. For this, the bank has developed a new service, T-Pay , which would cope with the quick pace of your life and redefine the way you perform your daily financial transactions.

T-Pay is a new way of payment which allows you to pay and collect money to/from any Al-Tijari customer, using the latest QR code technology.

Who is it for?

Any Al-Tijari customer.

T-Pay Benefits:

  • Quick and secure channel of payments
  • Free of cost
  • Cashless transactions
  • Easy and fast money collection

To activate T-Pay:

  • Download CBK Mobile app
  • Make sure to have one of the methods to log in to CBK Mobile activated (Access Code, Face ID, Fingerprint)
  • T-Pay icon will then appear on CBK Mobile app home page
  • Press on ‘My ID’
  • Accept Terms & Conditions
  • Choose the CBK account you would like to link to T-Pay
  • Enter the One Time Password (OTP) sent to you
  • Top up your T-Pay account to be ready to use the service

To collect using T-Pay:

  • On CBK Mobile app home page, press on the T-Pay icon
  • Click on ‘Pay Me’
  • Enter amount require and the transaction description
  • Share the generated QR code with the payee as a link or as an image
  • The other person will click on the link to pay or can upload the QR code image from the T-Pay ‘ Scan’ icon, and press Continue to make the payment

To Pay using T-Pay:

  • Make sure your T-Pay account has enough balance
  • Ask the other person/merchant to generate a QR code for you with the payment amount and details
  • Scan the QR code by clicking the ‘ Scan ‘ button from within the T-Pay icon

T-Pay Partners:

We are glad to announce our new partners they are:

  • Kuwait Bahrain Exchange
  • That Al Salasil
  • WH Smith
  • Hackett London
  • Cohiba Atmosphere
  • AZ Convenience store
  • Savanna
  • Royale Hayat Hospital
  • Second Cup
  • Sukar Boutique
  • Naz restaurant
  • San Marco restaurant
  • Beit Dickson
  • Bon Sweet & Pastries
  • Al-Mualem restaurant 
  • Adolfo Dominguez
  • Cameo computer service
  • Kubebond
  • Kabayan Hypermarket
  • Horoof Restaurant
  • Lavicka Kafé
  • Al-Bairaq Pharmacy
  • Al-Kalha Restaurant
  • Al-Mukhazeem Exchange
  • Al-Mutawa & Sahni Co. for Tires & Spare Parts
  • Ever Young Clinic
  • Shine Dental Center
  • Bahrain Exchange company (BEC)
  • Only Roses
  • Milan Travels
  • Infinity Medical
  • Gulf web
  • Hotline mobiles
  • Cross Member
  • Al-Raya United for insurance
  • Royal Design Factory for Gold and silver
  • Khalil Al-Banna Sons
  • WallStreet Exchange
  • Al-Nukhetha Travels
  • I Smile Dental Clinic
  • Eissa Hussain Al-Yousifi Travels
  • Al-Zamel Exchange
  • Al-Juwaisiri and Al-Qinaie law firm
  • Ka3ka Restaurant
  • Perhaps Cafe
  • SMB mobiles
  • Blue Jet – Travel & Tourism
  • Qortuba
  • AIB group - Worldwide Hotels & services Wholesaler
  • Q IT Solutions
  • Skyline - General Trading Company
  • First Academy
  • Taw9eel
  • Sheeel
  • Mix Media
  • Joyalukkas Exchange

For more information on locations of participating venders, please click here!

Terms and conditions apply.

To watch the tutorial video, please scan the below QR code: