Visa Card FAQs

To activate your Visa card, simply login to Online Banking and select Card Activation from the Services & Help menu. Enter the card number and expiry date, then select Activate.

You can easily change your PIN by doing any of the following:

1. Log in to Online Banking then select My Preferences > Change PIN.
2. Log in on the Horizon mobile app. Go to the Cards menu and select Change PIN.
3. You can change your PIN at any rediATM.

Note* You do not need to know your existing PIN if changing it through Online Banking or the Horizon app.

You may request us to reduce the limit of your Visa Card or cancel your Visa Card or cancel an additional cardholder's Visa card at any time by contacting your local branch.

Visa payWave is a contactless method of payment. Featuring a distinctive contactless symbol your Visa payWave card has a tiny antenna embedded into the chip which securely transmits purchase information.

Your Visa payWave card is an easier, more convenient way to pay for everyday purchases. It saves you time due to shorter transaction times and shorter queue times. You don’t need to enter a PIN for purchases under $200 and it’s more convenient as you no longer have to carry around cash.

Look out for the participating retailer displaying the contactless symbol and Visa logo at the point of sale. Let the retailer know you’d like to pay using your Visa payWave card when the transaction amount is shown on the terminal, wave your Visa payWave card in front of the contactless terminal.

You should hold your Visa payWave card within 4cm of the contactless terminal.

A message will be displayed on the terminal along the lines of “transaction approved” and/or your transaction is confirmed by illumination of four green indicator lights.

Visa payWave cards are just as secure as any other Visa chip card and carry the same multiple layers of security protection, including Visa’s Zero Liability1, which ensures you are not responsible for fraudulent or unauthorised transactions. Because your Visa payWave card doesn’t leave your hand during the transaction you remain in control of your card at all times, which reduces the risk of fraud.

Visa payWave terminals are designed to only make one transaction at a time per card. Each transaction must be complete or void before another one can take place.

You can tap and go with your Visa payWave card without entering your PIN for any amount up to $200.

For purchases exceeding $200 you can still use your Visa payWave card by entering your PIN to authorise the transaction.

The retailer will ask if you require a receipt. If you do not require a receipt, please advise the retailer and a receipt will not be given.

Any participating retailer who displays the contactless symbol in Australia or around the world can accept contactless payments. The number of participating retailers is always growing. You can still use your Visa payWave card for non-contactless transactions wherever you see the Visa sign, including over the counter, online, overseas or over the phone.

No. With your Visa payWave card the transaction is automatically routed to the transaction account or line of credit linked to you card.

The Visa payWave feature on your card will not affect how you normally use your card at ATM’s.