Manage an existing credit card FAQs

If you are an existing cardholder, you can learn how to add cardholders, report lost or stolen cards, manage your credit card security, and more.

1.  How do I add another cardholder?

   You can add up to 3 additional cardholders depending on the card at no extra cost. Compare all BankSA credit cards to find out how many additional cardholders you can request on your card.
   
   The nominated additional cardholder must be at least 16 years old, and must also be an Australian resident.
   
   An additional card will be issued in the additional cardholder’s name. All transactions will be itemised on the one statement, which will be sent to you as the primary account owner, who is responsible for all transactions made by any additional cardholders.
   
   Apply for an additional cardholder by completing the Additional cardholder application form.

2.  How do I report a lost or stolen card?

   Please notify us immediately if your BankSA credit card is lost or stolen. To report a lost or stolen card, call us 24 hours a day 7 days a week:
   
   Australia 1800 028 208
   Overseas +61 2 9553 5883
   
   
   We recommend that you enter these numbers into your mobile phone and contact lists to ensure you have them with you at all times.

3.  How do I set up or change my PIN?

   You can set up or change your credit card PIN at any time. Using your existing credit card & PIN, you can use any BankSA ATM to change your PIN.If you have forgotten your PIN, simply visit one of our BankSA branches with your card and identification.
   For customers overseas, please phone our Customer Service Team on +61 2 9553 5883.

4.  What about credit card fraud?

   Protecting the security of your personal and financial data is an utmost priority at BankSA. We have numerous systems in place to help protect you and to minimise the risk of different types of fraud.
   
   There are many different forms of credit card fraud. At its simplest, someone obtains your credit card details and uses them over the phone or on the internet to make unauthorised purchases on your card.
   
   Another form of fraud is card skimming. Your card and PIN details may be illegally obtained through a skimming device concealed on an ATM or implanted within an EFTPOS machine. Once these details are captured, fraudsters attempt to withdraw funds from your account.
   
   BankSA protects your security and safeguards you against credit card fraud in a number of ways, including our 24/7 fraud detection service, and our Secure Online Shopping service.

5.  How is my card protected against fraud?

   At BankSA we use a sophisticated network of secure systems across all your accounts, including your credit cards. Together these levels of protection safeguard you against credit card fraud, and you can shop safely either on the spot or online knowing you are protected.
   
   BankSA’s fraud detection service operates 24/7, and operates on a number of fronts. One of these is the Falcon Fraud management system that provides 24/7 monitoring and detection of suspicious purchase transactions. Our card security experts monitor your credit card transactions in real time and can detect any unusual purchasing patterns that may occur as a result of fraudulent activity.
   
   This means we will call you to verify that transactions we are seeing on your card are genuine. If we suspect fraudulent activity, or if you call us to report a lost or stolen card, we will take action, such as cancelling your card to block any suspected fraud.
   
   We will protect you against unauthorised transactions to your credit card provided you have not caused or contributed to the loss.
   
   
   Find out more about how BankSA handles fraud prevention

6.  Is it safe to use my card for online shopping?

   If you register with Secure Online Shopping via Internet Banking you can be confident that the purchases and payments you make on the internet are as safe and secure as possible.
   
   Our Secure Online Shopping service is available to all BankSA credit cardholders when you register with Internet Banking. Under the Secure Online Shopping Service, you are protected by Verified by Visa^® and MasterCard^® SecureCode™ services.
   These cutting edge services use password verification to ensure it is you making the purchase. If you have registered for these services, when you make an online purchase, you will receive a Personal Assurance Message (PAM) on screen asking you to enter your password to secure your identity.
   
   For more information about credit card security visit visa.com.au or mastercard.com.au.
   
   For more information about how BankSA protects your security across all of your accounts, view our Security Centre pages.

7.  What do I do if I think someone has used my card for fraud?

   If you believe a fraudulent transaction has been made on your account, notify us immediately on 13 13 76.

8.  What can I do to keep my credit card secure?

   Here are some tips to help prevent fraud or unauthorised transactions on your account:
   1. Never tell anyone your PIN or carry it with you
   2. Keep your card safe at all times
   3. Check your statement when it arrives immediately and query any unknown purchases
   4. Save all receipts
   5. Report lost or stolen cards immediately
   6. Save the lost and stolen contact number into your mobile and in your diary or travel documents especially when travelling abroad 13 13 76
   7. Only shop from reputable or recommended online stores
   8. When a merchant is processing a payment with your credit card, make sure it is not swiped more than once
   9. Take care when divulging credit card information on the internet or the telephone when making a purchase using your card
   10.Don't leave credit card receipts at shop counters
   11.Never lend your card to anyone else
   12.Keep watch for signs that there might be a skimming device at an ATM or EFTPOS terminal
   13.Ensure your contact details with us are up to date so that we can contact you immediately if we suspect you are a victim of fraud.

9.  How do I apply for credit card protection?

   BankSA Credit Card Protect¹ is an optional insurance cover you can choose when opening a new BankSA credit card. This covers your credit card payments in the event that you pass away, fall ill, have an accident or lose your job, so you or your family do not have to worry about how you will make the credit card payment.
   
   For more information or to apply, call us on 13 13 76, or check out the policy details.

10.  How do I set up SMS and Email Alerts?

    You can set up SMS and Email Alerts to stay informed about your credit card balance.  You can choose from Balance Alerts, Authorisation or Withdrawal Alerts, Deposit Alerts, High Balance Alerts and Low Balance Alerts.
    Email alerts are free, and SMS alerts are charged at $0.25 each.
    You can keep ahead of fraud by choosing an Authorisation Alert so you are notified of each new credit card authorisation. You can help avoid Overlimit fees with a High Balance Alert to let you know when your credit card balance reaches your pre-determined limit.
    
    You can register for SMS and Email Alerts through Internet Banking.

11.  How do I increase or decrease my credit card limit?

    After your account has been open for 6 months, you can choose to apply for an increase to your card limit.
    To be eligible to apply for a BankSA credit card limit increase you must be the primary or joint cardholder, not an additional cardholder, and have not requested a credit limit increase in the last 6 months.
    You can decrease your limit at any time.
    
    To increase your limit:
    1. Apply online through Internet Banking
    2. Apply online
    3. Call us on 13 13 76 and say “Increase Card Limit” when prompted.
    
    To decrease your limit:
    1. Call us on 13 13 76 and say “Decrease Card Limit” when prompted.
    
    Find out more about increasing your credit limit.

12.  What should I consider when travelling?

    Travel with a greater peace of mind knowing that BankSA credit cards are accepted worldwide and give you access to over 1 million ATMs worldwide.
    When travelling with your credit card, you don’t need to carry traveller’s cheques or large amounts of cash as your credit card opens the door to convenient spending wherever Visa^® or MasterCard^®.
    
    Here are some tips to help you prepare for travelling:
    1. Add a PIN to your credit card before you travel so you can enter your PIN when making purchases and can withdraw cash advances from your credit card account
    2. If you haven’t already, register for Internet Banking so that you can access your accounts and make payments online while travelling.
    3. Register for Secure Online Shopping via Internet Banking to safeguard your online purchases
    4. If you think you will have trouble accessing your account overseas, you can set up an Automatic Payment Plan to ensure that you avoid a Late Payment fee by paying at least your minimum payment on time
    5. If your card is due to expire during your travels, it is best to organise a replacement card now before you leave by calling us on 13 13 76 and saying “Existing Card” when prompted
    6. Ensure your credit limit on your card is sufficient. See whether you qualify to apply for a credit limit increase.
    7. Consider setting up SMS and Email Alerts to verify purchases made and keep you posted on your account balances
    8. Consider purchasing your return flight ticket with your Platinum Visa^® Card or Gold Low Rate Visa^® Card or MasterCard^® to qualify for complimentary overseas travel insurance covers with these cards in accordance with the relevant policy¹.
    
    When budgeting, factor in the International Visa/MasterCard currency conversion fee of 3% of the amount of each foreign currency transaction (including ATM transactions) when using your BankSA credit card overseas.
    1. Report a lost or stolen card immediately. Keep these numbers handy while travelling. Australia: 1800 028 208. Overseas: +61 2 9553 5883.
    2. Your daily cash limits when overseas are the same as at home. You can withdraw A$2,000 from an ATM (or A$5,000 on your Platinum Visa^® Card or MasterCard^®).
    3. Your BankSA card is still acceptable to merchants in countries that have migrated to PIN/CHIP. If your card does get rejected at the merchant, please request a manual transaction.
    
    To find out more about using your credit card overseas, please call us on 13 13 76 and say “Existing Card” when prompted.

13.  How do I provide consent to receive Written Credit Limit Increases?

    From 1 July 2012 we will no longer be able to send you written credit limit increase invitations unless we have your consent. Provide your consent by calling 1300 307 080 or by contacting your Relationship Manager. You can provide or withdraw your consent at any time.

    For joint credit card accounts, you must both provide your consent before we can send you written credit limit increase invitations.

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