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CVV number in Debit and Credit Card: Where to find it?
When you get access to a Debit Card or Credit Card, you want to be sure that you can use it securely. The verification of your card’s CVV is an important step for online transactions. Let us understand what is the full form of CVV and the role it plays in keeping your card safe.
Decoding CVV
Let us understand the meaning of CVV in Credit / Debit Cards. CVV stands for Card Verification Value. This is a unique three or four-digit number on the back of your Credit or Debit Card. You will need it to complete online transactions done via your cards. Though your bank issues your card, the payment network partner powers the CVV.
Locating CVV
Now that you know what a CVV number is, let us understand how to find it. There is a magnetic strip on the back of your Credit / Debit Card. The CVV number is located right below the strip. Your CVV is embossed and clearly visible.
Also Read: 6 benefits of using a Credit Card
Components in a CVV
Your CVV number has two major components:
- A CVV code that is visible on the back of your card. You must share it to complete online transactions.
- The invisible CVV is in the magnetic strip. It contains unique data regarding your Debit or Credit Card. It is recovered when you swipe your card in a card machine at a store, restaurant or other offline establishments.
Difference between CVV and PIN
| CVV | PIN |
|---|---|
It stands for Card Verification Value. | It stands for Personal Identification Number. |
It usually has 3-4 digits. | It can have 4 or more digits. |
It enables online transactions. | It is used for ATM cash withdrawals. |
It is permanent and can't be changed. | It can be changed periodically. |
Purpose of a CVV
Your CVV is a unique number that enables the banking system to keep track of every online transaction made by you using your Debit / Credit Card. It provides trackability and enhanced security for card use. You need to furnish your CVV along with other details to complete an online transaction. For instance, if you are shopping on an eCommerce platform, you will need to provide such details at the PoS.
Also Read: 6 Credit Card Mistakes to Avoid
CVV protects you from fraud
By using your CVV code, the banking system instantly validates your card. It prevents hackers and other scammers from using it.
Top steps to protect your CVV
- Keep your card with you at all times, in a secure place.
- Be alert to any unauthorised activity by keeping a tab on all transactions. Instantly alert your bank and block your card in case of fraudulent activity.
- Always use a secure Wi-Fi connection when conducting online transactions. Avoid public networks, which are at greater risk of hacking.
- Authenticate the website / app being used to make online transactions. For instance, do not transact on websites without ‘https’.
- Install antivirus software on your laptop and mobile to keep your devices safe from hackers.
- Do not share your card details with anyone. Do not post images or screenshots of card information online, as they can be easily shared and misused.
- If possible, memorise your CVV number. Avoid writing it anywhere.
To summarise
CVV protects your Credit / Debit Cards from being misused. A CVV code is a secure three or four-digit number that is enabled by banks to keep track of your card's activities.
Now that you have understood the meaning of CVV in Credit / Debit Cards, you can consider applying for a Credit Card and benefiting from its advantages. Axis Bank offers a wide range of Credit Cards, which come with multiple benefits. Your Credit Card empowers you to build a healthy credit score and take advantage of cashback, reward points, air miles, fuel waivers and airport lounge access.
Also Read: Credit Cards: Six reasons why you should have a credit card
Disclaimer: This article is for information purpose only. The views expressed in this article are personal and do not necessarily constitute the views of Axis Bank Ltd. and its employees. Axis Bank Ltd. and/or the author shall not be responsible for any direct / indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information. Please consult your financial advisor before making any financial decision
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