Chip & PIN and Contactless payments

If you have a new Card or have not set up your PIN yet, you can do so by logging into your Account. If you want to change your PIN please please log into Online Services or call the number on the back of your Card. 

A Chip Card contains a small embedded microchip, which encrypts your Account information, making it difficult to duplicate, copy or access. Transactions can be completed when your Card is inserted into a chip-enabled terminal and you enter your unique PIN – a number that identifies you as the rightful holder of your Card and replaces your signature. This technology is more advanced than magnetic stripe technology, and it will make an already safe payment system even more secure.

Don’t worry, we’ll aim to get a new Card to you within 48 hours. Call us anytime, day or night, on 1300 132 639 (from Australia) or +612 9271 8666 (from overseas).

Yes. If you are enrolled for cash advances, your existing PIN on your Card will work for both purchases and cash access. To request a PIN reminder, please log into Online Services.

To view your PIN, please log into Online Services. If you are still experiencing problems, please call the number on the back of your Card.

There are no limitations on the combination of the 4 numeric digits you can select across your Cards. We encourage you to select a PIN that you can easily remember, but difficult for someone to guess.

• Never reveal your PIN to anyone, including friends, family members, Merchants or American Express customer service representatives; you will never be asked to provide your PIN by an American Express customer service representative.
• Do not write your PIN down anywhere, including on your American Express Card.
• Shield the keypad with your hand or body when you are entering your PIN at an ATM or at a store.