Cardholders' Responsibilities:  
 

  1. Abide by the terms and conditions for the use of the credit / debit card.
  2. Take reasonable steps to keep the credit / debit card and PIN secure at all times, including at your place of residence. Take note of the following:
    1. do not disclose the credit / debit card details or PIN to any other person;
    2. do not write down the PIN on the credit / debit card, or on anything kept in close proximity with the card;
    3. do not use a PIN selected from the cardholder's birth date, identity card, passport, driving license or contact numbers; and
    4. do not allow any other person to use the credit / debit card and PIN.
  3. Notify the Bank as soon as reasonably practicable after having discovered that the credit / debit card is lost, stolen, an unauthorised transaction has occurred or if the PIN may have been compromised.
  4. Notify the Bank immediately upon receiving a Short Message Service (SMS) transaction alert if the transaction was unauthorised.
  5. Notify the Bank immediately of any change in the cardholder's contact number.
  6. Use the credit / debit card responsibly, including not using the credit / debit card for unlawful activity.
  7. Check the account statement and report any discrepancy without delay.
  8. Do not entertain calls from any person requesting your credit / debit card information or PIN. If in doubt, call the number at the back of your card immediately (+603 8317 5000).
 
  Cardholders' Liabilities:  
 

  1. You will be liable for PIN-based unauthorised transactions if you have:
    1. acted fraudulently, or
    2. delayed in notifying OCBC Bank as soon as reasonably practicable after having discovered the loss or unauthorised use of your credit / debit card, or
    3. voluntarily disclosed your PIN to another person, or
    4. recorded your PIN on the credit / debit card, or on anything kept in close proximity with your credit / debit card, and could be lost or stolen with the credit / debit card.

  2. You will be liable for signature-based unauthorized transactions if you have:
    1. acted fraudulently, or
    2. delayed in notifying OCBC Bank as soon as reasonably practicable after having discovered the loss or unauthorized use of your credit / debit card, or
    3. left your credit / debit card or item containing your credit / debit card unattended, in places visible and accessible to others; or
    4. voluntarily allowed another person to use your credit / debit card.