What is Visa Zero Liability?

By pressing credit when you use your Visa card, you gain access to all Visa’s security benefits such as Visa’s Zero Liability Policy which protects against unauthorised transactions. Visa’s Zero Liability Policy is a guarantee from Visa that Visa cardholders will not be liable for an unauthorised transaction made as a result of card fraud or stolen cards.*

Review your monthly account statement and report fraudulent charges
Take the time to look at your monthly Visa statement, and let us know if anything appears incorrect so we can take action as quickly as possible.

* Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please consult your issuer for additional details.

Information sourced from Visa Australia.

Related FAQs

What are card controls?

Card controls are a feature available in internet banking or the Mobile App, giving you extra security on your credit and debit cards, by blocking certain types of card transactions.

You can block transactions in Australia and overseas:

Tap and Go (Visa payWave)
In-store purchases
Online purchases
ATM withdrawals
Digital wallet purchases.

You can access card controls by logging into to internet banking or the Mobile App and going to Card Management > Card Controls.

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What is a digital wallet?

A digital wallet gives you the freedom to carry all your cards in one place, on your smartphone. Both our Visa Debit and Visa Credit cards can be added to your digital wallet using Apple Pay, Google Pay or Samsung Pay.

Find out more about digital wallets.

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What is PayWave?

Our cards are enabled with Visa PayWave, so you can simply tap your card against the PayWave reader to almost instantly pay for your goods. For purchases under $100, you don't even need to enter your PIN, and the card never leaves your hand.

If your purchase is more than $100, you can still use Visa payWave - you'll simply need to enter your PIN, the same way you normally would.

Visa payWave cards have multiple layers of security in place to make sure your money and transactions are safe, and payWave transactions also have Visa's Zero Liability protection, which ensures you are not responsible for fraudulent or unauthorised transactions, subject to the terms and conditions and provided you did not contribute to the loss incurred.

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What about my card's security?

Queensland Country works with Vigil, a card security monitoring service, to monitor and report any suspicious transactions. This means we can work quickly to protect your funds in the event your card is compromised.

Find out more about card security.

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What happens if my card has been used fraudulently?

If you think your card has been used fraudently it's important you take action quickly. See how to cancel your card (also referred to as marking it lost or stolen) here.

If you are concerned about transactions that have occured on your account, it is important you contact us as soon as possible. Please call your nearest branch or our Contact Centre on 1800 075 078 during business hours.

If you need assistance outside business hours, please phone the Visa lost or stolen cards hotline on 1800 648 027 or +61 2 8299 9101 if you are overseas.

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