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Credit card security
When you get a credit card with us, you can rest assured that there is a wide range of security measures in place to protect your card. It’s a bit like having a guard dog for your credit card, minus the fleas. Read on to find out more.
Want to report a fraudulent transaction?
24/7 anti-fraud protection
If we identify any unusual transactions, we’ll contact you to help protect your money.
Fraud money back guarantee
Notify us of fraudulent transactions and you could receive your money back.
Card security
microchip
An embedded card microchip makes it harder for your card to be fraudulently copied.
Visa secure
(formerly known as Verified by Visa)
Some added peace of mind to securely shop online.
24/7 anti-fraud protection
We have round-the-clock credit card security provided by ANZ Falcon™ to help protect your credit card. If we identify any transactions as possibly suspect or unusual, we’ll try to get in touch with you to make sure it’s actually one of your transactions.
If we can’t get hold of you, we might make a decision to block the account until you can confirm the transaction. This means your credit or debit card could be declined by a merchant overseas when you know that there are funds available because ANZ Falcon™ has detected overseas transactions which are not consistent with the normal pattern on your account.
Fraud Money Back Guarantee
If you suffer a loss as a result of a fraudulent transaction on your ANZ credit card, we’ll credit your account with the amount of the loss, as long as you:
- didn’t contribute to the loss
- notified us promptly of the fraud.
If you notice any unusual transactions on your account, please contact us immediately.
Let us know before you go
If you’re travelling overseas, we highly recommend you let us know before you travel. This helps us anticipate an increase in overseas purchases and avoid any unnecessary blocks on your card during this period. If you notify us online and your plans change, you can update your travel details online too.
Security microchips
Our credit cards have embedded security microchips that make it more difficult for credit card details to be fraudulently copied. When a chip card is used at the point of sale, the transaction message sent by the chip card to authorise the transaction does not contain any data that can be used to counterfeit a chip or conduct an unauthorised chip transaction reusing the data from a previous transaction.
Visa Secure
(formerly known as Verified by Visa)
If you’re shopping online, these free services give you extra protection against unauthorised use of your card at participating online merchants. Then you just have to follow the instructions!
Find out more about Visa Secure (formerly known as Verified by Visa).
More ways to stay card-secure
Set or change your card PIN
You can set or change your card PIN on eligible ANZ cards in the ANZ App and ANZ Internet Banking.
Prepare your card for travel
We've put together some helpful tips for looking after your credit cards and to help you stay money-smart during your travels.
Temporarily block your card
ANZ App users can block and unblock your card anytime. This action will stop anyone using your card until it turns up or you’ve reported it to us as lost or stolen.
Report a lost or stolen card
Report a missing card online or call us right away.
™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation.