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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?

Call 13 22 73

Ways your credit card is protected

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. 


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
  • complied with the product T&Csdisclaimer

Our fraud protection team is available 24/7. If you notice any unusual activity on your cards, please contact us immediately.

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

™ 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.

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