How to shop online safely with your credit card

Information verified correct on October 28th, 2016
how to shop online safely

10 ways to protect your finances when using your credit card to shop online

Using your credit card for online shopping is a convenient and (usually) safe way to make purchases online. While the majority of online shopping goes off without a hitch, credit card fraud and cybercrime does exist. Use this guide for 10 tips on how to shop online safely to help protect your finances.

How to shop online safely with your credit card in 10 tips

Shop with peace of mind, understand what to look out for and who to contact if your card is used for a fraudulent transaction with these 10 tips for shopping safely online.

  1. Make sure you’re using a secure server.

    You should only provide your credit card details if the website is using a SSL payment processing system. SSL stands for Secure Sockets Layer. It’s a method of encrypting your information that websites use when they’re communicating with your credit card issuer. You can check a website has this by looking at the website’s URL. It should read ‘HTTPS’ rather than ‘HTTP’ and should see a padlock icon in the bottom right-hand corner of your Internet browser.

  2. Input the address of the website rather than searching for it.

    Manually enter the website URL if you know it from experience. This reduces the chance of clicking a fraudulent link and ending up on a dodgy website. Phishing is a common scam where thieves get you to open emails by pretending to represent a trusted institution such as a telecommunications provider.

  3. Ensure the legitimacy of the website before making a purchase.

    There are so many merchants selling all types of goods and services, it’s difficult to tell the good from the bad. Fraudsters use deviant tactics to get your personal and financial details.

    Using a site with an established reputation for online commerce such as Amazon reduces the risk of fraud. If you’re unsure about whether to trust a website with your credit card details, look for the webmaster’s contact information and business details. Website owners can list their information as a trust signal to customers.

  4. Don’t give out your credit card details online or store them on your computer.

    Don’t use public computers at computer cafes or libraries for online shopping. Internet browsers often save your personal and financial information by default, so it’s always best to use a personal device. With this in mind, you still shouldn’t store your credit card details on your personal computer, smartphone or tablet. Thieves and hackers can easily get at your personal information if they access your machine using malicious software, for example. If you can, try to memorise your details rather than writing them down anywhere.

  5. Connect your credit card to PayPal.

    Many online merchants accept PayPal and it’s an alternative to entering your credit card details each time you make an online payment.  You can credit your PayPal account with funds by transferring money from your bank account or linking it with an eligible debit or credit card. Thieves can only access the money you’ve credited to your PayPal account, which mitigates any potential losses if you’re the victim of fraud.

    As well as buyer’s protection, which ensures you get what you pay for, PayPal monitors your account to prevent identity theft and unauthorised transactions.

  6. File and keep track of your online payment receipts.

    Create a special email inbox or folder on your device to store confirmation emails for online purchases. You may need to provide proof of purchase for items if you make a claim for an unauthorised transaction, so it’s wise to have these stored in one place to save you time in the future.

  7. Regularly check your credit card statement.

    Review your credit card statement on a regular basis so you can identify any fraudulent charges. You can either review it when you receive your bill each month or you can view your account activity in real time through online banking. If you do this, you’ll have a higher chance of spotting fraudulent transactions or incorrect charges on your account. If you do spot any errors in your account, you should contact your card issuer immediately.

  8. Notify your card issuer immediately if you notice an error.

    Contact your credit card issuer immediately if you discover unauthorised transactions. It can take weeks or months for a credit card issuer to investigate these cases and return the funds to you. So, the sooner you report it, the sooner you’ll receive your refund. If you’re the victim of a scam, notify the proper agency so they know about the illegal activity.

    Credit card issuer Emergency contact details
    American ExpressCall the number on the back of your card
    ANZ13 22 73
    Bankwest1300 765 515
    Bank of Melbourne1800 772 266
    Bank of Queensland1300 55 72 72
    BankSA1800 028 208
    Citibank13 24 84
    Commonwealth Bank13 22 21
    HSBC132 152
    NAB13 22 65
    St.George1800 028 208
    Suncorp Bank13 11 75
    Westpac1300 130 961
    Woolworths1300 10 1234
  9. Take advantage of your bank’s purchase and online security covers

    Verified by Visa and MasterCard SecureCode are complimentary layers of security that protect your account details when you’re shopping online. Both security services require you to enter an SMS code to complete an online purchase.

    Visa and MasterCard also operate no liability fraud guarantees. So, if you’re the victim of credit card fraud, the card scheme will give you a full refund provided you didn’t contribute to the loss.

  10. Dispute any fraudulent transactions.

    If you have found unauthorised transactions using your credit card, you’ll need to contact your credit card issuer to dispute the transaction. Before you make the dispute, double check the product disclosure statement to confirm that you have been incorrectly charged and collect any relevant receipts or documents that could help your case.

Online shopping is only growing in popularity, so luckily this means that security procedures designed to protect online purchases are also advancing. However, there are still some steps you should take each time you make an online purchase. While victims of fraud or incorrect charges are entitled to a refund, taking the time to make sure the site you’re using is secure beforehand will save you a lot of time and stress in the long run.

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Credit Cards Comparison

Rates last updated October 28th, 2016
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Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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