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Chip and PIN

What is a chip Card?

A 'chip' Card is an American Express Credit or Charge Card that has a microchip embedded in the Card. The chip allows you to select your own Personal Identification Number (PIN) and use it to complete transactions on your Card which is particularly handy at self service terminals. Chip Cards have a metal square shown on the front of the Card above the Account number.

Chip

How do I use a chip Card?

How you use your Card will depend on what type of terminal the merchant is using. Your chip Card can still be swiped in exactly the same way as you do today. The only difference is that as merchants upgrade their terminals they will ask you to insert your Card and you will be required to use your PIN to complete your point of sale transactions. If you are uncertain about how to use your Card, simply follow the prompts on the terminal.

Are chip Cards more secure than magnetic stripe Cards?

Security is our number one priority so regardless of whether your Card has a chip or not you will be protected by our Fraud Protection Guarantee. This means provided you take reasonable care with your Account details and do not unreasonably delay in notifying us if you notice a charge you don't recognise, you won't be held liable for any fraudulent charges. For more information on American Express Fraud Prevention click here

Can I use my chip Card in an ATM?

If you already have a PIN for Express Cash or Cash Advance, please note that this PIN has not been transferred to your new Card. You will need to set up a new PIN. You can select the same PIN you previously used if you like. The PIN you use will be the same for both ATM cash withdrawals and for purchases made at merchant terminals. For more information on Cash Advance please click here

When will I receive a chip Card?

American Express is rolling out chip Cards across our Credit and Charge Cards. Once your product is available with a chip you will receive a chip Card shortly before your current Card expires. Until then you can continue to use your existing American Express Card as normal. If you would like to receive a chip Card before your current Card expires you can contact us on the number on the back of your current Card and request a replacement chip Card.

Does the chip change any of the other features on my Card?

There are no other changes to the features or benefits of your Card.

What about my Corporate Card?

American Express started issuing Corporate chip Cards in 2012. If you do not already have a chip Card you will receive one shortly before your current Card expires. Until then you can continue to use your current American Express Corporate Card as normal.

Do I have to select a PIN?

Yes, American Express requires you to select a PIN for each of your Cards. PIN selection can be made during the Card activation process, by logging into your online account or by calling the number on the back of your Card. From 1 August 2014 all domestic point of sale transactions will require a PIN to authorise and verify your purchase.

When and how will I receive my PIN?

A PIN can be selected for your Card during the card activation process, by logging into your online account or by calling the number on the back of your Card. If you have forgotten the PIN you previously selected for your American Express Card you'll be able to retrieve it instantly in our secure Online Services website whenever you want. Alternatively you can call us on the number on the back of your Card and request a reminder be sent to you by mail.

What if I didn’t select a PIN when I got my new chip Card and now I want one?

You can select a PIN for your Card by logging into your online account or by calling the number on the back of your Card.

What if I forget my PIN?

If you forget your PIN, don't worry. You'll be able to retrieve it instantly in our secure Online Services website whenever you want. Alternatively you can call us on the number on the back of your Card and request a reminder be sent to you by mail.

Can I change my PIN?

Yes, you can change your PIN, however this requires a new Card to be issued. If you think that your PIN is compromised and is no longer a secret, please call us immediately using the number on the back of your Card.

I have a PIN so why does the terminal still ask me to sign?

How your Card is used depends on what type of terminal the merchant is using. In some terminals your chip Card may still be swiped in exactly the same way as a non-chip Card. The only difference is that if you have selected a PIN with this Card you will now need to use it to complete the transaction. If you are uncertain about how to use your Card, simply follow the prompts on the terminal.

Do I need a PIN if I'm travelling overseas?

Globally, an increasing number of merchants prefer customers to use a PIN instead of signing. So if you are planning on travelling overseas, we recommend you set up and memorise a PIN for all your Cards before you go. You can select or view your PIN on our secure website whenever you want or by calling the number on the back of your Card.

How do I know if I have Contactless?

You can tell if your Card can be used for a Contactless transaction if your Card has the Contactless symbol.

Contactless

Are there any fees for using Contactless?

There are no additional fees for making a Contactless payment.

How can I be sure Contactless is secure?

Security is our number one priority so no matter which way you pay with your Card you'll be protected by our Fraud Protection Guarantee.This means you won't be held liable for fraudulent charges, as long as you take reasonable care with your Account details and let us know right away if you see a charge you do not recognise. You'll also find extra measures in place to ensure the security of your Card when using Contactless.

  • Your Card must come within a few centimetres of a Contactless reader to confirm a transaction, so there is no risk of making a payment without realising.
  • If your Card touches the reader more than once, only one payment per transaction will be taken.
  • For your safety and security we have limited the number of consecutive Contactless transactions you can make. If it's requested that you enter a PIN or sign for a charge, please follow the prompts on the terminal.

For more information on American Express Fraud Prevention click here.

How much can I spend using Contactless?

Contactless can be used anywhere you see the symbol and the American Express logo on the checkout terminal. For your safety and security we have limited the number of consecutive Contactless transactions you can make, and for larger transactions you may be asked to enter your PIN or sign to verify your Contactless purchases.

What happens if I tap my Card against the terminal more than once?

Even if your Card touches the reader more than once, only one payment per transaction will be taken.

What if I don't want to use Contactless? Can I turn it off?

The Contactless feature on your Card cannot be turned off. However if you'd prefer not to pay with this option simply swipe or insert your Card in the terminal and enter your PIN to complete your transaction.

Where can I use Contactless?

Contactless technology is gaining momentum and we're working with more and more Merchants to ensure you can take full advantage of Contactless. You can use Contactless wherever you see the Contactless symbol and the American Express logo on a checkout reader.
If you don't see the Contactless logo on the terminal you may still be able to use your Card by swiping or inserting it into the terminal.