The American Express® Credit Card

Blue Credit Card

My life is about enjoying every moment.  My card is the ideal shopping companion.

'CHIP & PIN' Cards

 ‘CHIP & PIN’ CARDS: INCREASING THE SECURITY OF CARDMEMBERS’ TRANSACTIONS

  • ‘CHIP & PIN’ Cards will increase security by reducing the number of disputed transactions between merchants and Cardmembers.
  • ‘CHIP & PIN’ technology authenticates the Cardmember at the point-of-purchase – increasing the security of transactions.
  • Online transactions are highly secure, and all online transactions made with a ‘CHIP & PIN’ Card will be verified by the issuing bank.
  • Unlike magstripe Cards, ‘CHIP & PIN’ Cards are virtually impossible to copy.
  • For offline transactions, the ‘CHIP & PIN’ Card  uses new encryption technology that authenticates the Card at the point-of-purchase, thus safeguarding Cardmembers against unauthorised transactions, and increasing the security of all card transactions.

AMERICAN EXPRESS CARDS ARE MIGRATING TO ‘CHIP & PIN’; ENSURING MORE SECURE TRANSACTIONS

In future, all American Express Cards issued in South Africa will be ‘transaction secure’ ‘CHIP & PIN’ cards. Point-of-sale terminals provide step-by-step instructions or ‘prompts’ on how to complete your secure transaction. This will safeguard you against card fraud and disputed transactions. Instead of signing, Cardmembers will key in a four -digit PIN.

TIPS ON HOW TO SUCCESSFULLY CONCLUDE A SECURE ‘CHIP & PIN’ TRANSACTION

When purchasing at a retailer who has a chip-enabled point-of-sale device, your ‘CHIP & PIN’ Card will be inserted into the chip reader, not swiped. It will remain in the point-of-sale device for the duration of the secure transaction. The cashier will enter the sales transaction.

You will be requested to type in your Card PIN when you see the prompt ‘ENTER CLIENT PIN’. If you make a mistake, press ‘Clear’ and enter your PIN again. No signature is required; however, the merchant may request such.

For added security, remember to shield the PIN pad so that no one can see you entering your PIN.
Remember never share your PIN with anyone.

Don’t write down your PIN.

Don’t let anyone enter your PIN on your behalf.

WHAT IF YOUR CARD IS BLOCKED OR YOU HAVE FORGOTTEN YOUR PIN:

If your Card is blocked, Pay by using another payment method and contact the nearest Nedbank branch.
If you have forgotten your PIN, please contact the nearest Nedbank branch.

WHAT HAPPENS IF YOU ENTER THE INCORRECT PIN?

If you enter the incorrect PIN once or twice, you will be prompted to try again. However, if you enter it incorrectly a third time, even if at separate locations, your Card usage will be blocked as a security measure.

Eligibility

We welcome you to apply for the American Express Credit Card, providing the following criteria are met:

  • You are over 18 years of age;
  • You have a good credit rating;
  • You are a South African resident; and
  • You have an annual income of R36,000 or more.