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Chip Security |
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What is a chip card?
A chip card is a credit or debit card that uses an embedded security microchip to protect confidential data stored on your card. It sits on the front of your card, towards the left hand side, and is in the shape of a small gold square.
How does the chip provide better security?
The microchip on your card encrypts your account information in a more secure format. This enables an increased level of card protection, reducing the chances of your personal details being copied fraudulently. This, coupled with our additional security features like Falcon™ fraud monitoring, works to better protect your card.
What will be different about the way I use my chip card?
As Australia makes the transition to chip technology, chip cards may be used in different ways at different merchants. With some, you will use your chip card the same as a magnetic stripe card, by swiping it through a terminal and entering your PIN, or by signing a receipt.
Terminals that can identify your card as a chip card will display a message on screen advising you to insert your chip card and leave it in the terminal for the entire transaction. You will then be required to enter your PIN number, or press the OK/Enter button and sign the receipt to authorise the transaction.Will my PIN change, or can I request a new PIN?
Your existing PIN can be used with your new chip card. If you don’t remember your PIN, or want to select your own PIN, just call our Customer Solutions department on 1300 552 079.
Will I have to use my PIN with my chip card?
In Australia, you currently have the choice of using your PIN or signing to authorise the transaction. In other countries, you may be required to enter your PIN, so please ensure you have one before leaving Australia.
You can select your own by calling Customer Solutions and following the prompts on 1300 552 079.Is PIN the only way I can authorise my transaction?
No, in Australia you can still authorise your transaction by signing. However, as Australia makes the transition to chip technology, you may be required to authorise transactions by entering your PIN.
Does having a chip card change the way I use my card overseas?
Many countries have made the move to chip and PIN technology and you can use your card wherever MasterCard® is accepted.
If you are travelling overseas, it’s a good idea to have a PIN for your chip card. This is because some countries, for example New Zealand, require all transactions to be authorised by PIN instead of signature.
What if I want a chip card issued before my current card is due to expire?
This can easily be arranged by calling our Customer Solutions department on 1300 552 079.
Is there a brochure I can download about chip cards?
Yes, you can download the below brochure which contains information regarding the chip card and other security features and services available to Wizard Clear Advantage MasterCard® customers.
FALCON FRAUD PROTECTION software is a product of Fair Isaac Corporation and is used by GE Money under licence from Fair Isaac Corporation. FALCON and FALCON FRAUD PROTECTION (IMAGE) are trade marks owned by Fair Isaac Corporation and used by GE Money with the permission of Fair Isaac Corporation.
¹Cash advances are charged interest from the date of withdrawal. Interest free days on purchases apply if you pay your account in full by the due date each month. There is no ATM owner fee for cash withdrawals from Westpac ATM's but you may be charged owner fees from non Westpac ATM's. You will be advised of the charge at the time of the withdrawal.