Protection and advice for shopping online

Online shopping is convenient, easy and for the most part, safe. However Online Scammers still find ways to cause financial damage to users who do not have sufficient information. Increase of Cyber Fraud activity is mainly attributed to customer ignorance in terms of secure online usage.

There are an increasing number of scams to watch out for.

To help make shopping online a safer experience, we've put together some tips for our cardholders.

  • Some websites don't have a secure logo or icon, but will pop-up with a security message to alert you when you are entering a secure area, so always read it before accepting.
  • Check the website address. Secure areas will always start with "https". The 's' stands for secure, meaning any information sent will be encrypted, making it difficult for anyone to view.
  • Secure websites use systems like Secure Socket Layer (SSL) and Secure Electronic Transaction (SET). This refers to the way data is transferred between the browser and the database, indicating that it's done securely.
  • If a website gives you an option to use a secure checkout, always say yes.
  • Be sure you know what the delivery and return policies are before you purchase anything. Will you be expected to pay the postage if you have to make a return? Do they offer refunds if you're not satisfied with the goods when they arrive?
  • Make sure you know what you're signing up for. Are you agreeing to a single one-off payment or a regular (i.e. monthly) payments?
  • Are you buying from overseas? If so, make sure you know about any taxes and charges upfront, as you may incur additional fees for customs.
  • Keep a copy of your order summary either by printing it at the time of sale, or electronically via email. You'll need it to request a refund, or if the goods don't arrive.
  • Always check your bank and credit card statements as soon as you receive them. If you see something you don't think is right, first get in touch with the retailer in question. And if you're still concerned, call us so we can investigate the transaction and take appropriate actions.
  • Inspect your goods carefully when they arrive. If you're not satisfied with the quality, or have any other issues, contact the supplier to resolve them.