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Mastercard SecureCode

Discover how you can help keep your card protected online with Mastercard SecureCode.

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If you have a Mastercard credit card, you can add a layer of protection to your online shopping with Mastercard SecureCode. This service asks you to verify online purchases you make with participating online retailers. Here, we explain everything you need to know about SecureCode, including how it works, who can use it and what retailers are involved.

What is Mastercard SecureCode and how does it work?

SecureCode is designed to help protect your Mastercard credit card or debit card account from unauthorised transactions by providing an additional layer of security to online payments.

When you register for SecureCode, any transaction you make with a participating merchant will require you to enter a unique code or password before the payment can be processed. This helps verify that it is you making the purchase.

Who can use Mastercard SecureCode?

SecureCode is an optional, complimentary service that’s offered through your bank or credit card provider. In most cases, you can activate and start using SecureCode by following the steps below:

  1. Go to your card provider’s website. This will have a link to SecureCode enrolment for your card or cards.
  2. Setup your verification method. The most common verification options are SMS codes or passwords. Depending on your provider, you may be prompted to enter your mobile phone number or create a password that you will use for the service.
  3. Shop online. After completing this process, just look for retailers that display the Mastercard SecureCode logo and begin shopping online.

Note that some financial institutions may automatically enrol you in SecureCode as an added layer of protection. When that’s the case, there may be times when your bank will request additional information during the online checkout process to validate your purchase and ensure you are the person making the transaction.

How do I know if a merchant participates in SecureCode?mastercard-securecode-200x100

While Mastercard doesn’t currently offer a complete list of merchants that offer SecureCode, some examples include the following:

  • Harvey Norman
  • Officeworks
  • The Good Guys
  • Ikea
  • Levi’s
  • Emirates

Participating merchants often display the Mastercard SecureCode logo on their website. When you shop with them, you will be prompted to verify your transaction via SecureCode.

It’s important to note that the information you provide via SecureCode is not shared with the merchant and stays between you and your card provider. Of course, you’ll still be able to make purchases with your card at other merchants that accept Mastercard but don’t offer SecureCode.

Other security services and features

Depending on the retailer and your card issuer, you may also have access to the following security features and services:

  • Mastercard Global Service. This complimentary service is designed to help you if you need to report a lost or stolen card, organise a replacement card or if you have questions about your account. You can contact Mastercard Global Service by calling 1800 120 113 in Australia. Alternatively, the Mastercard website provides a list of global contact numbers so you can call this service from anywhere in the world.
  • Tokenisation. Tokenisation is the process of substituting the 16-digit number on your Mastercard credit card or debit card with a temporary, unique number or “token” and is often used for mobile point-of-sale transactions, in-app purchases or online purchases. If you use your Mastercard credit card or debit card via a mobile wallet service such as Apple Pay, Google Pay or Samsung Pay, for example, you can gain protection through this process.
  • Online store security. Online retailers use secure web pages to help protect your details and keep them private. If you’re unsure of the protection a retailer offers, check the privacy and security policies to find out more, or contact the customer support team.
  • Card CVC. When you shop online, you’ll be asked to enter your card’s CVC number. Usually this detail is only available on the back of your actual card, so it can help protect you against card-not-present fraud.
  • Account locking service. Some card providers will allow you to temporarily lock your account if you’ve lost or misplaced your card and want to find it.
  • Emergency replacement. Most providers will offer an emergency replacement service if your card is lost, stolen or damaged anywhere in the world. The terms and conditions of emergency replacement vary between providers, with some offering these services at no cost and others charging a fee.
  • Fraud monitoring. Depending on your card provider, you may have the protection of a 24-hour fraud-monitoring service that helps keep your account safe from suspicious activity.
  • Zero liability. Mastercard offers a zero liability policy against unauthorised transactions on eligible accounts. This means you can get refunded for any fraudulent transactions that occur when your card’s been compromised.

Mastercard SecureCode is just one of many security features that helps protect your card details online. Understanding how it works will allow you to get the most out of this service. Not every online retailer offers SecureCode verification, so it’s a good idea to learn about other security features offered by Mastercard, retailers and your card provider so that you can keep your accounts as secure as possible.

Compare Mastercard credit cards

Data indicated here is updated regularly
Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
Coles No Annual Fee Mastercard
19.99% p.a.
Up to 55 days on purchases
$0
0% p.a. for 18 months with 1.5% balance transfer fee
Earn Flybuys points for your spending and save with an ongoing $0 annual fee and 0% p.a. on balance transfers for 18 months.
Citi Rewards Card - Exclusive Offer
21.49% p.a.
Up to 55 days on purchases
$49 annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 30 months
Finder Exclusive
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.
Bankwest Zero Platinum Mastercard
17.99% p.a.
Up to 55 days on purchases
$0
2.99% p.a. for 9 months
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
Up to 55 days on purchases
$99 annual fee for the first year ($199 p.a. thereafter)
0% p.a. for 12 months
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
Bankwest Breeze Classic Mastercard
0% for 15 months, reverts to 10.99% p.a.
Up to 55 days on purchases
$49
2.99% p.a. for 9 months
Save with an introductory rate of 0% p.a on purchases for 15 months and 2.99% p.a. on balance transfers for 9 months.
Qantas Premier Platinum
19.99% p.a.
Up to 55 days on purchases
$199 annual fee for the first year ($299 p.a. thereafter)
0% p.a. for 18 months with 1% balance transfer fee
Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).
Citi Clear Card
0.9% for 15 months, reverts to 14.99% p.a.
Up to 55 days on purchases
$99
0.9% p.a. for 15 months
Save with 0.9% p.a. for 15 months on purchases and balance transfers. Plus, complimentary purchase insurance cover. Ends 16 November 2020.
Westpac Low Rate Card
13.74% p.a.
Up to 55 days on purchases
$59
0% p.a. for 20 months with 1% balance transfer fee
A low rate card offering 0% p.a. interest on balance transfers for the first 20 months and a $200 cashback offer.
Coles Low Rate Mastercard
12.99% p.a.
Up to 55 days on purchases
$58
0% p.a. for 6 months
Save with a low purchase interest rate, earn Flybuys points as you spend, and get up to 55 days interest-free.
Coles Rewards Mastercard
19.99% p.a.
Up to 55 days on purchases
$99
0% p.a. for 18 months with 1.5% balance transfer fee
Earn 2 Flybuys points / $1 spent and save with a 0% balance transfer offer. Plus, 0% international transaction fees on purchases.
Bendigo Bank Low Rate Credit Card
0% for 15 months, reverts to 11.99% p.a.
Up to 55 days on purchases
$45
13.99% p.a.
Get 0% p.a. interest on purchases for 15 months and a $150 Woolworths Supermarket gift card when you spend $1,000 in the first 90 days.
Westpac Altitude Platinum Card
20.49% p.a.
Up to 45 days on purchases
$99 annual fee for the first year ($150 p.a. thereafter)
0% p.a. for 18 months with 1% balance transfer fee
Earn 80,000 bonus Altitude Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a long-term balance transfer offer.
Citi Rewards Card - Flybuys Offer
21.49% p.a.
Up to 55 days on purchases
$49 annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 15 months with 1% balance transfer fee
Receive 75,000 bonus Flybuys points and a $100 Kmart eGift Card when you meet the spend requirement. Plus, a reduced first-year annual fee.
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Images: Shutterstock and Mastercard

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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card - Exclusive Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.
Coles No Annual Fee Mastercard
19.99% p.a.
0% p.a. for 18 months with 1.5% balance transfer fee
$0
Earn Flybuys points for your spending and save with an ongoing $0 annual fee and 0% p.a. on balance transfers for 18 months.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au 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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