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Credit card security and protecting your PIN
Credit card security tips
sign the strip on the back of your credit card as soon as you receive it
get a PIN loaded onto your card
never let anyone else use your credit card
keep your credit card in a safe place
don’t let your credit card bend or get scratched
keep your card away from magnetised objects
Credit card disposal
cut expired credit cards in half through the magnetic strip and then dispose of carefully
dispose of credit card transaction and ATM receipts carefully.
PIN protection tips
Avoid using consecutive numbers, or numbers that are easily associated with you such as your birthday or house number
don’t write down your PIN, especially on your card, or tell anyone else your PIN. This includes police, family members or bank staff. If you do, you may be liable for any loss from misuse of your card
select a different PIN for different cards
don’t let anyone see your PIN when using a terminal or ATM
use your PIN when prompted by the EFTPOS terminal device
> notify us immediately if your credit card is lost or stolen or your PIN is disclosed
Online credit card security
Using your credit card online
make sure the online shop is reputable - get more information if unsure
read the fine print of any transaction before your provide your credit card details – this will help you avoid any unexpected charges
check the online shop has a return and refunds policy
use a secure browser connection when entering credit card details
check for a locked padlock or unbroken key symbol at the bottom right of your browser window or that the site URL starts with ‘https’
don’t make your password easily identifiable and don’t disclose it to anyone
print out a copy of the transaction record for any online purchase you make
for your safety and security, you may be asked to provide your card security code. This is the 3-digit number printed on the signature panel on the back of your Visa or MasterCard, or the 4-digit number printed on the front of your Westpac hotpoints American Express Card above the American Express logo.
Reducing credit card fraud
Tips for reducing credit card fraud
check your account balance regularly
call us immediately on 0800 888 111 if you suspect fraudulent transactions
only give your credit card details when making a purchase
don’t give your credit card number or PIN to ‘cold’ telephone callers
only make phone credit card transactions when you have initiated a call to a company you are familiar with.
The information on this page is presented subject to our legal page and any other terms and conditions that Westpac may impose from time to time. It is subject to change without notification.
Westpac's current credit card lending criteria apply to all applications and transfers. Credit card Conditions of Use will apply. Charges may apply to some of the transactions and services mentioned - see our Credit card fees page for more details. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. American Express® is a registered trademark of American Express Company.
