Contactless FAQs

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 on the reverse.


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 how 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 any charge you don’t 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, there’s no risk of making a payment without realising it.
  • 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 is requested that you enter a PIN or sign for a charge, please follow the prompts on the terminal.

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 can not 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 the transaction.

Where can I use Contactless?

Contactless technology is gaining momentum and American Express are 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 symbol on the terminal you may still be able to use your Card by swiping or inserting it into the terminal.

Will contactless transactions be affected post August 1, 2014?

Contactless transactions under $100 will not be impacted.