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Chip & PIN

 

Technology is fast changing the way we pay for items, both at the checkout and online. As a result American Express® Cards are continuously evolving to give you more security, speed and convenience when making transactions. It's all thanks to a few special features that let you do some pretty clever things both here and overseas.

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.

When you receive your new chip Card you will be required to select a 4-digit Personal Identification Number (PIN). It's quite easy and can be completed in a few simple steps. Your PIN will replace your signature as the verification method for domestic point of sale purchases beginning 1 August 2014. Please be aware that if you are travelling overseas you may still be required to sign for some purchases.

How does this benefit me
  • Chip technology makes it difficult to duplicate or access data stored on your Card. As a result, chip Cards provide enhanced protection against fraud from lost, stolen or counterfeit Cards
Contactless

Breeze through checkouts with Contactless

Contactless is fast, easy and convenient. Simply look for the following symbol  and the American Express logo on a checkout reader, then hold your Card against it and you're done. For most transactions, there is no signing, no PIN.

Contactless technology is gaining momentum and we're working with more and more Merchants to ensure you can take full advantage of Contactless.

If you don't see the Contactless and American Express logos on the terminal you can still use your Card by swiping or inserting it into the terminal.

As always, security is our first priority and no matter whether you're using Contactless, your PIN or signing, you will be safeguarded by our Fraud Protection Guarantee.

How does this benefit me
  • Chip technology makes it difficult to duplicate or access data stored on your Card. As a result, chip Cards provide enhanced protection against fraud from lost, stolen or counterfeit Cards
A note on safety

 

You'll be pleased to know that security is still our number one priority. We're taking all the steps necessary to ensure our standards remain unchanged. No matter whether you're using Contactless, your PIN or signing, you'll be safeguarded by our Fraud Protection Guarantee.

Ultimately, we want you to use your Card with confidence, and the additional technology on all chip-enabled Cards provides this extra reassurance.

How does this benefit me
  • Chip technology makes it difficult to duplicate or access data stored on your Card. As a result, chip Cards provide enhanced protection against fraud from lost, stolen or counterfeit Cards