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Credit card security

When you get a credit card with us, you can rest assured that there are a wide range of security measures in place. From fraud prevention with ANZ Falcon® to Fraud Money Back Guaranteedisclaimer and more, you're protected online, in-store and around the world. ANZ Credit Card Protection. Now it's Personal.

Want to report a fraudulent transaction? Call the below number and say 'fraud' when prompted.

Call 13 22 73

Ways your credit card is protected

ANZ Falcon® fraud protection

ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.

Fraud money back guarantee

Provided you didn’t contribute to the loss, notified us promptly of the fraudulent activity and complied with the product T&Cs.disclaimer

Card security

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.


ANZ Falcon® fraud protection

ANZ Falcon® is our fraud detection and prevention technology. By analysing thousands of data points, ANZ Falcon builds a unique picture of each and every ANZ customer, learning from each of your transactions to help provide fraud protection that’s personal to you.

The technology works around the clock to recognise, flag and identify suspicious transactions on your ANZ credit card. It also keeps a sharp eye on your ANZ App and Internet Banking. And if you’re travelling overseas, remember to let us know. ANZ Falcon® continues to monitor your transactions 24/7, leaving you free as a bird to enjoy your holiday.


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
  • complied with the product T&Csdisclaimer

Our fraud protection team is available 24/7. If you notice any unusal activity on your cards, please contact us immediately and say 'fraud' when prompted.

Call 13 22 73

Report a fraudulent transaction

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.  

How to notify us

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).

Online security

It’s just as important for you to protect yourself against the possibility of internet fraud. We’ve provided some tips that may help you stay ahead of the thieves. It’s also important to be aware of the latest tricks scammers are using, so keep an eye on our security alerts.

Get some tips  See latest alerts

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. 

How to set/change your card PIN

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.

Credit card tips for travel

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.

How to temporarily block a card

Report a lost or stolen card

Report a missing card online or call us right away.

Report online Call 1800 033 844

Choose the card for you

Compare each card’s features, considerations and fees to help you choose.

Compare credit cards

Falcon® is a registered trademark of Fair Isaac Corporation.

Refer to the Electronic Banking Conditions of Use contained in your product terms and conditions (PDF).