Back to Credit cards

Keeping online purchases secure

When you're shopping online, make sure the sites you visit have the following features:

  • their website address begins with https, i.e., https://www.bnz.co.nz and/or shows a key or closed padlock in your browser
  • they have a security and privacy statement on their website
  • they have a returns policy

If the site has all these features, you could be covered by our protection policies, NetPledge and NetPromise. 

NetPledge

NetPledge covers you for online transactions you didn’t make on your credit card, i.e. if someone uses your credit card to shop online without your permission (including someone who has stolen your card).

You won’t have to pay for those purchases as long as you have followed your credit card terms and conditions. This includes telling us straightaway of the theft, selecting a suitable PIN, and protecting your PIN properly at all times.

NetPromise

NetPromise means that if you buy something online and don’t receive your purchases, or you return the items you bought and don't get a refund, we can help you to get your money back. Make sure you let us know within 30 days of getting your statement that you charged that purchase to.