Mastercard® chip card

EMV cards are smart payment cards (also called chip cards or IC cards) which store data on integrated circuits rather than magnetic stripes. This creates dynamic data every time you make a transaction, making it nearly impossible for fraudsters to duplicate or clone your card. EMV cards are also capable of storing loyalty program information, allowing you to earn or redeem loyalty points at participating merchants.

This feature provides you with security protection on your everyday purchases. Find out more about consumer safety and security.

Safety tips to keep your card safe:

Your card’s EMV chip adds another layer of security to every payment you make. But there are a few important things you can do to help keep your card secure too.

  • Sign your new cards as soon as you receive them.
  • Keep your account information and PIN number a secret.
  • Every now and then, check to make sure none of your cards are missing.
  • Look through your bank and card statements when you receive them. Spot any transactions you’re not familiar with.
  • If you think there’s been suspicious alert your bank immediately.

How will you know if you have a chip card?

A chip card has a microchip embedded on the front as shown on the card on the left

You may also swipe your card to pay if the merchant’s terminal is not yet chip-enabled.