Credit Card Security Tips for Online Shopping

With holidays around the corner and most ecommerce sites throwing away huge offers and discounts, we have to be extra careful against online scams and frauds. In this post today, we have listed down some helpful tips that you can use for safe credit card usage on the Internet.

Credit Card Security Tips

A few days back Flipkart announced its “Big App Shopping Days” offer for users who use the Flipkart App. Amazon is another site that has been hosting ”Deals of the Day” offers. Now, while all such offers are popular amongst online shoppers, their fame is misused by scammers to trick users. For instance, a fake email might lure you with an unbelievable discount to visit a fake website that looks like Flipkart and steal all your information.

So, if you usually shop online with your credit card, here are some safety tips you must consider.

Choose Credit Cards Over Debit Cards
If you use your credit card most of the time for online shopping, then you are already following an important security tip. If any fraudulent charges occur on your credit card, you will still have time to report it to your bank and avoid paying for the transaction made on the card. On the other hand, for a debit card, ‘real money’ gets debited instantly, and it may take days before you can reclaim the money. Also, most banks offer zero liability on lost credit cards. If we take HDFC bank into consideration, it states, “If you lose your card, report it immediately to our 24-hour call centre. After reporting the loss, you have a zero liability on any fraudulent transactions made on your card.

Go a step further – Use a Virtual Credit Card
Another credit card security tip that works effectively, is using a virtual credit card. As the name suggests, this is not a ‘physical card’ and not issued physically. The following are the benefits of using a virtual credit card:

  1. A virtual credit card is mostly valid for 21 – 48 hours only, depending on the bank that has issued it.
  2. The card can be used for making one payment only.
  3. Any unused amount left in the card gets credited back to the customer’s account.
  4. A virtual credit card cannot be stolen or cloned, as it is an intangible property.

Know your Online Shoppe
Always go for trusted, well-known, reputable, online shopping sites. This is more important when you are purchasing expensive items. It is also wise to go through the privacy and security policy of the site that you are shopping from. You might come across a site that offers unbelievable deals; but odds are, the deals are fake or not what they appear to be.

Understand What Information Your Online Shoppe Needs
A standard checkout/payment page of most online shopping sites require you to give the following details:

  • Full name as printed on the card
  • Credit card number
  • Expiration date
  • CVV number
  • Shipping/Billing address

But, if the payment page asks for your ATM pin, net banking login ID and password, mother’s maiden name, etc., then you have enough reasons to treat this as a phishing attack. Immediately close the browser, and report the website to the right authority such as Google.

Avoid Public and Free Wi-Fi Networks
This credit card security tip also applies to all kinds of financial transactions that you do online. Avoid using your credit card over public computer network such as cyber cafes and free Wi-Fi. These networks are less secured or have no security against hackers who can spy on your information and misuses it for illegal purpose.

Look for “HTTPS” and pad lock symbol
Before giving away your credit/debit information on the checkout page of any site, always ensure that the URL in browser’s address bar begins with “https://” and is accompanied by a “locked padlock” symbol. If it is otherwise, then do not proceed with the purchase. Go for a safer option such as cash-on-delivery.

Quick Heal Safe Banking feature protects your online financial transactions. It lets you shop, bank, pay bills online, etc., in a virtual environment that blocks fraud and phishing websites from stealing your information.

Don’t Follow Links in Emails
If you receive an email from your online shopping site about a great offer, and asks you to follow a link to view it, then here’s what you should do. Go to the website by typing its URL in the browser or Google, and verify if it is really hosting any such offers. Never click such links in emails even if they seem to have come from your favorite or a popular retailer.

Have Anti-phishing Protection on Your Computer
Nowadays, it is impossible for normal users to differentiate a fake, phishing website from a real one. Even a professional, neatly done website that seems innocuous, can be a compromised site waiting for you to fall into its trap. Hence, having an anti-phishing protection on your computer can be extremely beneficial. This feature, as the name suggests, automatically restricts user from landing on a fraudulent or phishing website.

If you think you have some more credit card security tips to add to this post, please feel free to leave them in the comment box below. Stay safe!

Rajiv Singha

Rajiv Singha

Follow @Singha_Ra

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Kiran phalke
Kiran phalke
6 years ago

Hi Nice info. Where and how can i get a virtual credit card?

Dr Raj Pajgade
Dr Raj Pajgade
6 years ago
Reply to  Rajiv Singha

You can issue virtual credit card on your internet banking website on concerned bank for eg. SBI provides in on Internet banking

Raghunath Borado
Raghunath Borado
6 years ago

i will start now

Amir Ahmad
Amir Ahmad
6 years ago

mughe antivires prouduct chahiye

ramesh
ramesh
6 years ago

Thanks For the valuable information

Avinash Shukla
Avinash Shukla
6 years ago

Some of sites like a bank website give you a choice of virtual keypad. If you are working at a public place, prefer that keypan. It is more safe than the physical keyboard. This will make sure that nothing that capture your key strokes can work on the work you are doing.

Fakir Hyderabadwalla
Fakir Hyderabadwalla
6 years ago

THANKS FOR THE INFO.

Sampatraj Mehta
Sampatraj Mehta
6 years ago

Thanks for advise

Pankaj Bhamare
Pankaj Bhamare
6 years ago

Virtual keyboard secure online banking against keyloggers.

But some spywares may record screenshots.

So is it safe to use online banking with virtual keyboard in public use computers like cyber cafe?

john semson
john semson
6 years ago

i tried to update my quick heal total protraction 14.0 since 2 days but it cant comleate i also tried in 3G network but it cant done my total net pack is over but it is not done why?

Chandrashekhar Vaidya
Chandrashekhar Vaidya
6 years ago

Excellent piece of information, that too, for an occasional user or for that matter, any credit card user.

Satish Desai
Satish Desai
6 years ago

Thanks

sunil
sunil
6 years ago

keep it up. keep us imformed.

HK Chaudhuri
HK Chaudhuri
6 years ago

Allways type the URL on address bar for any https://***URL*** for purchasing or internet banking.
Regard

HK Chaudhuri
Ranchi

Chez
Chez
6 years ago

What about PayPal?? Wouldn’t that rank on the same safety level as those methods mentioned?

Chez
Chez
6 years ago
Reply to  Rajiv Singha

Thanks for the link reference for Paypal. I always use PayPal when paying for anything online. Furthermore, I only ever use a debit card specifically for online use i.e. this a/c only ever holds a low amount of money. I never, ever use my main a/c when paying online.

Srinath
Srinath
6 years ago

Thank u so much
Pls share information to all
Suggest to all bank customers, dont give any bank related information to any one through phone call, fraudsters are calling to customers and they are telling we are calling from …..bank customer care/atm customer centres and they collect all information. So becarefull……..

Monoj Mohanty
Monoj Mohanty
6 years ago

THANKS FOR THIS VERY VALUABLE INSIGHT; WE NEED TO FOLLOW THE PRECAUTIONS; PREVENTION IS THE BEST MEDICINE. THANKS FOR YOUR ADVICE.

DHARMESH
DHARMESH
6 years ago

thanks to q

pateldhaval
pateldhaval
6 years ago

thanks sir, for this kind of information

Bala
Bala
6 years ago

Hi,

It happens for me to notice the term “Malwares or attackers steals confidential and personal data from the infected machine” in many of the places while discussing on online shopping and virus issues.

What exactly does confidential/personal data represents. Is that my personal files in my machine?

Atish
Atish
6 years ago

Thank you for your valuable information.

rajesh
rajesh
6 years ago

cool……….

Niraj Kanani
Niraj Kanani
6 years ago

Thank you for the info.

PANKAJ GUPTA BHOPAL
PANKAJ GUPTA BHOPAL
6 years ago

Good information for online purchaing or trading.

Unnikrishnan Nair
Unnikrishnan Nair
6 years ago

When I open for Quick Heal Secure Browsing, I get a message “Please restart your system in order to use Quick Heal Secure Browse for the first time.” I have restarted repeatedly but the message always appear. Kindly suggest how to fix it.

ritu
ritu
6 years ago

one more thing emails are coming saying your card is compromised plz contact bank on following link , it even has a logo of paypal on the email , be careful

abdullah
abdullah
6 years ago

wonderfully good debit card users beware

Radhakrishnan
Radhakrishnan
6 years ago

a month back some fraudlent delhi based company introducing themselves as credit cards rewards related company told they are giving holiday packages, free gifts etc and I have to pay 6000 only as services charges. later they prompted me to do payment by telephone IVRS . at some point I felt is is fraud and in right time I declined the offer. I hope others reading this will be cautious

Joginder Khurana
Joginder Khurana
6 years ago

Thanks for such a valuable information.

jirs
jirs
6 years ago

good news

RAKESH SINGH
RAKESH SINGH
6 years ago

GOOD NEWS

Kinjal k purohit
Kinjal k purohit
6 years ago

Thanks for such important info.

Kamal
Kamal
6 years ago

Sir, does Quick Heal antivirus pro provides Anti-phishing protection ?

sreenath
sreenath
6 years ago

I have quick heal antivirus v26….
Whenever I open any site many ads open up vvvv fast.. I tried to fix it thru your antimalware but the problem continues.. Please advise.

Bandhavi
Bandhavi
6 years ago

Thank you for information keep posting

aerobed
aerobed
6 years ago

Honestly, the pleasure of approaching your blog!

Kesepe
Kesepe
5 years ago

Thank you….. This should work.

O2infosystems
O2infosystems
5 years ago

I just want to say that I like your posting. In fact I am using your site regularly. Your articles are very effective and i am very thankful to you for sharing this site with knowledgeable content .

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