Credit Card Security Tips, Credit Card, Dah Sing Bank, Personal Banking

Security Tips

Identify the Official Domain Name or URL of WebsitesLearn More

Use AutoFill One Time Password (OTP) cautiouslyLearn More

Bogus calls / Money Transfer or Remittance InstructionsLearn More

Phishing ScamLearn More

Private Deal Offer Outside Shopping PlatformLearn More

Trick

Fraudulent email / SMS purporting to be from telecommunications service providers, bonus points redemption platform or government authority may entice you that gift can be redeemed at discounted price, the bonus points were to be expired or outstanding fees need to be settled, by requesting you to click the embedded link resembling the official website domain and steal your credit card information.

Tips

Verify the URL embedded in the email / SMS with website official's domain name
Verify the email / SMS with corresponding organisations through official channels
Do not click on any links or open any attachments embedded in suspicious email / SMS, and input personal or credit card information

Reminder: Keep your credit cards safe and do not provide your personal or credit card information to others for protecting yourself from fraud scam.

Trick

Fraudsters may entice you by rewards, online transaction details or add card to mobile payment service instruction and to input One Time Password (OTP) with "AutoFill" function before verifying the SMS information.

Tips

DO NOT authenticate the relevant transaction precipitately, be careful when using AutoFill function to input OTP
Verify the SMS information, e.g. merchant name, instruction of adding card to mobile payment service, transaction amount, currency and credit card number last 4 digits before inputting OTP

Reminder: Please verify the message content with your instruction when inputting the OTP. Do not input or reveal the OTP if you did not authorise any transaction, and please call 28288159 or else you shall be responsible for the transaction.

Trick

Fraudsters claiming to be bank staff calling or making pre-recorded voice calls about banking products or services, or requesting money transfer or remittance to steal your personal or credit card information.

Tips

Do not disclose personal information or follow any instructions
Call the bank to verify the incoming callers' identity

Reminders:

Keep your credit cards safe and do not provide your personal or credit card information to others for protecting yourself from fraud scam.
Please verify the message content with your instruction when inputting the OTP. Do not input or reveal the OTP if you did not authorise any transaction, and please call 28288159 or else you shall be responsible for the transaction.

Trick

Scammers may send out phishing emails / SMS to deceive people and steal your personal or credit card information (e.g. date of birth, online banking account or login information, etc.) by requesting you to click the embedded link in email or SMS to a fraudulent website.

Tips

Do not click on any links or open any attachments embedded in suspicious email or SMS
Do not input personal information, credit card details and security codes on any suspicious websites

Trick

Fraudulent buyers or sellers may entice you to contact them directly outside of shopping platform to prevent conversation and orders recorded within the platform to obtain your personal information.

Tips

Make transaction in shopping platforms with encryption technologies to protect personal information
Avoid making contact outside of shopping platforms so as to keep the transaction records
Do not disclose your personal banking details, such as OTP, e-banking password, CVV security code, etc.

Reminder: Keep your credit cards safe and do not provide your personal or credit card information to others for protecting yourself from fraud scam.

Latest Information

Credit Card Transaction Protection - What You Need to Know

Hong Kong Association of Banks
"Credit Card Transaction Protection"Learn More

Hong Kong Monetary Authority
"Protect your Personal Digital Keys. Beware of fraudulent links."Learn More

Hong Kong Monetary Authority
"Anti-Scam Consumer Protection Charter" Learn More

Reminders

Keep your credit cards safe and do not provide your personal or credit card information to others for protecting yourself from fraud scam.
Please verify the message content with your instruction when inputting the OTP. Do not input or reveal the OTP if you did not authorise any transaction or in any doubt, and please call 28288159 or else you shall be responsible for the transaction.
After you confirmed to opt for using the over-the-limit facility, an overlimit handling charge may be levied when the outstanding balance of your credit card account exceeds the available credit limit and you shall be liable for all transactions under the over-the-limit facility.
You may bear the consequences for ignoring pre- and post- card transaction related communications from the Bank.
Cardholder must report to the Bank as soon as reasonably practicable after his / her Dah Sing Credit Card (including both the Principal Card and / or the Supplementary Card) or authentication factors (including but not limited to One-Time Password and / or Security Passcode) have been lost or stolen, or disclosure of Credit Card information and / or authentication factors to any unauthorized person. Otherwise the Principal Cardholder shall be responsible for all transactions, costs and damages effected or caused by the use of the Card whether or not authorized by the Cardholder (including either the Principal Cardholder or the Supplementary Cardholder). Provided that the Cardholder has not acted fraudulently, with gross negligence or has not otherwise failed to inform the Bank as soon as reasonably practicable after having found that his / her Credit Card or authentication factors have been lost or stolen, or disclosure of Credit Card information and / or authentication factors to any unauthorized person, the maximum liability of the Cardholder shall not exceed HKD500. The application of this limit is confined to loss specifically related to Credit Card Account and does not cover cash advances.

Scameter App

An anti-fraud search engine "Scameter" is released and able to be downloaded in App Store / Play Store. Once having suspicious findings, can enter the account name or number, phone number, FPS number, website of the seller to the app in order to assess the risk of dealing with the seller before payment, or call the anti-deception consultation hotline "Anti-Scam Helpline 18222" of the Anti-Deception Coordination Centre (ADCC) of the Hong Kong Police Force.