Credit Card Security

Credit Card Security

We use the latest security technology to help protect you and your credit card. Here are some of our security measures along with simple things you can do to keep your credit card safe.

Introducing ASB TripleCheck

We’re introducing an extra level of security designed to make your online shopping safer. ASB TripleCheck is an extra identification check that works with Verified by Visa and MasterCard®SecureCodeTM to help make sure that you are the person shopping with your ASB credit card or Visa Debit card.

From May, any site that is protected by Verified by Visa or MasterCard®SecureCodeTM, will also be protected by ASB TripleCheck. This means you could be asked three extra questions to prove your identity before you can shop. The questions are designed and relate to information that only you know, so we can have confidence that the person shopping is really you, providing you with an extra level of protection when shopping online.

You don’t need to do anything to set up ASB TripleCheck. It’s already in place, ready to keep your banking safer. We’re just letting you know so you don’t think it’s unusual if you come across it.

Chip protection

All the latest ASB credit cards have advanced chip technology that makes it more difficult for anyone to duplicate your card. And because most chip card transactions are authorised with a PIN, you won’t need to sign a receipt.

Contactless payments

Contactless technology like Visa PayWave and MasterCard PayPass means you can simply hold your card next to a terminal to make a transaction. Since you never need to hand your card over, these transactions can keep it safer.

Masked Numbers

Never write down your credit card number, or send it via email. Whenever we show your credit card number (online or on a statement) we’ll cover up the first twelve digits. This means you can still recognise your card, but others won’t be able to use your numbers.


Shopping online

If you use your credit card to shop online, any site that is protected by Verified by Visa or MasterCard SecureCode will also be protected by ASB TripleCheck. This means that you could be asked three security questions to make sure it’s really you when shopping with your credit card.

Before shopping, you should also look out for https:// at the beginning of the web address. There might also be a padlock icon in your browser window. Both of these indicate that any information shared between your browser and the company you’re communicating with is being encrypted. You can double-click on the padlock to see the level of security being used.

Going overseas

ASB Credit and Debit cards are handy for international travel, but it pays to be extra careful when you take your card overseas. Make sure you keep it on you at all times (or locked in a hotel safe) and keep an eye on your card if you're handing it to someone to pay a bill. Read more about travelling overseas.

Lost or stolen cards

If you lose your credit card or you think it’s been stolen you must contact us as soon as possible to cancel it.

To read more about getting an emergency replacement card and/or emergency cash click here.

Always keep your credit card safe.

  • Always choose a safe PIN.
  • Use different PIN numbers for your different cards. 
  • Always log-off from Internet Banking.
  • Make sure you get your card back after using it.
  • Never let anyone else use your card. 
  • Only enter your personal information on secure websites.
  • Always sign your new card as soon as you get it. 
  • Cut any expired cards in half. 
  • If you think something unusual is going on, or you haven’t received a card you were expecting, contact us immediately.

EFTPOS and ATMs

  • Never use an ATM or EFTPOS terminal that looks like it may have been tampered with.
  • Be careful when you use an ATM to make sure other people can’t see you enter your PIN. 
  • Be wary of anyone offering to help - especially if your card has just been retained (eaten) by the ATM.
  • If your card has been retained by an ATM go to the nearest branch or call 0800 803 804 immediately.