What is Visa’s Zero Liability Policy?

All Visa card holders are also protected by Visa’s Zero Liability policy, so you won’t be held responsible for fraudulent charges or unauthorised purchases made with your card or account information. The policy covers you when you:

  • Transact using payWave;
  • Complete a transaction online or over the phone;
  • Select credit option and enter PIN; or
  • Make an overseas and/or domestic transaction and select the credit option.

The policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions.

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