Welcome to the State Bank. Foreign Travel Card FIND OUT HOW TO; USE YOUR CARD OVERSEAS MANAGE YOUR BUDGET RELOAD YOUR CARD AND MUCH MORE...

Size: px
Start display at page:

Download "Welcome to the State Bank. Foreign Travel Card FIND OUT HOW TO; USE YOUR CARD OVERSEAS MANAGE YOUR BUDGET RELOAD YOUR CARD AND MUCH MORE..."

Transcription

1 Welcome to the State Bank TM Foreign Travel Card FIND OUT HOW TO; USE YOUR CARD OVERSEAS MANAGE YOUR BUDGET RELOAD YOUR CARD AND MUCH MORE...

2 Welcome to your new State Bank PREPAID MASTERCARD FOREIGN TRAVEL CARD Here are some easy to follow instructions on using your Card Reload your Card Before you go this bit s important! Please sign the back of your Card as soon as you get it, then memorise your Personal Identification Number (PIN). Please note that you cannot change your PIN. For a PIN reminder, call Card Services on one of the numbers on the back of your Card or in this User Guide. How to use your State Bank Foreign Travel Card Just like a debit card, you can use your State Bank Foreign Travel Card at ATMs worldwide# displaying the MasterCard Acceptance Mark. Simply enter your PIN and how much you want to withdraw. After that, all you have to worry about is what to spend the money on. You can also use your Card at merchants worldwide# (including restaurants, shops and online) displaying the Disputed Transactions MasterCard Acceptance Mark. Simply enter your PIN or sign the receipt as usual. Due to FEMA regulations, the State Bank Foreign Travel Card cannot be used at cash machines or merchants in India, Nepal and Bhutan, or for internet purchases where the website is registered in India, Nepal or Bhutan, or at websites accepting payment in Indian Rupees or the currencies of Nepal and Bhutan. In addition, the Card is also unable to be used in countries subject to economic sanctions, including: Cuba, Iran, Myanmar (Burma), North Korea, Sudan and Syria. The list of sanctioned countries is subject to change from time to time. # Checking your balance Simply go to My Account at register your State Bank Foreign Travel Card and you ll be able to see your balance and any recent transactions. Alternatively, you can phone Card Services to use the automated balance service. Some cash machines also provide balances, however, if the local currency of the cash machine is not the same as the currency on your Card, the exchange rate used by the cash machine to calculate your balance may be different to that applied when viewing your balance through My Account. That s why it is recommended that you use the online or telephone balance enquiry services. It is recommended that you check your transaction history and balance of your State Bank Foreign Travel Card at least once a a fortnight. If you have any queries about your State Bank Foreign Travel Card balance or you notice a Card transaction that you do not recognise, please notify the 24 hour Card Services team without undue delay, and in any event no later than 30 days after the debit date. They will be happy to check and confirm the transaction details for you. If there is a transaction which is not correct, Card Services can start the dispute process on your behalf and may request you to provide additional written information concerning any unrecognised transaction, or to complete a dispute form (see terms and conditions for further information). Please help them to assist you, by providing as much information as you can.

3 Manage your budget method. In some countries, there may be daily or weekly withdrawal limits set by cash machine operators, which may be lower than the limit on your State Bank Foreign Travel Card. For more information, visit Should you pay in your own currency or local currency? Dynamic Currency Conversion (DCC) is an optional service that is sometimes offered by retailers and ATM operators abroad, giving cardholders the choice of paying in either the currency of the country they are visiting or their own domestic currency. You should not make a purchase or ATM withdrawal in Indian Rupee (as you are prohibited from doing so by law) and you should choose to pay in the local currency. Please note that there will be an additional cost if the point of sale transaction or ATM withdrawal is in a currency other than the currency of the Card. Please refer to the table of Fees and Limits for further information. Contact details If you have any general State Bank Foreign Travel Card queries, or want to pass on any comments about using your Card, please get in touch at sbitravelcard@ accessprepaidww.com If you have a specific query relating to your State Bank Foreign Travel Card please contact Card Services. Want to put more money onto your State Bank Foreign Travel Card? Just take your State Bank Foreign Travel Card, valid passport and Form A2 (available at branches) to any participating branch of State Bank. What if there isn t enough money on your State Bank Foreign Travel Card to make a payment? Sometimes you might see something that costs more than you ve got available on your State Bank Foreign Travel Card. That s OK; if the merchant supports partial payments, you may be able to pay the difference with another MasterCard or some other form of payment. Just make sure you tell the cashier before paying and confirm the amount you want to be deducted from your State Bank Foreign Travel Card. The cashier should process your State Bank Foreign Travel Card payment first, and then accept the remainder of the balance, however you want to pay it. Pre-authorisation Using your State Bank Foreign Travel Card to hold a purchase or payment It is not recommended that you use your State Bank Foreign Travel Card as a guarantee of payment (usually for hotels, car hire and cruise lines). These companies may estimate the bill, and if you use your Card as a guarantee for the estimated amount, the funds will be temporarily unavailable to access or spend. You can, of course, use your State Bank Foreign Travel Card to settle your final bill. What if your State Bank Foreign Travel Card is declined? Normally, the only time this will happen is if you don t have enough funds on your Card to cover the cost of a purchase. You may be able to use the balance on your State Bank Foreign Travel Card for part payment and complete the purchase with another payment Useful telephone numbers for 24/7 assistance, Card Services, lost or stolen Cards. If your State Bank Foreign Travel Card is lost or stolen, please contact Card Services immediately, so that they can cancel it and offer assistance, including emergency cash replacement up to the available balance on your Card (subject to availability ). Country Freephone Number Australia Germany Hong Kong India Japan New Zealand Singapore South Korea Switzerland Thailand UK USA/ Canada A full list of freephone numbers from over 70 countries is available on Alternatively, you can use the number below ( Other Countries ) to contact Card Services. Other Countries The emergency cash service may not be available in every country depending on the availability of the money transfer network. There may be a charge for calls to these numbers, if phoning from a hotel or mobile phone. Please remember to add the international prefix of the country you are in at the beginning of this number (in most cases this is 00, for example Calls to this number are not free of charge.

4 Fees and Limits Please note that the State Bank Foreign Travel Card Fees and Limits are subject to variation, in accordance with the terms and conditions. FEES AND LIMITS TABLE FEES (All fees are plus applicable taxes) USD EUR GBP SGD Initial purchase and load fee^ Reload fee^ ATM fee per withdrawal^ ATM Balance Inquiry fee Purchase from merchant (e.g. shops and restaurants)* INR 100 INR Free Free Monthly inactivity fee - debited from your Card if it has not been used for 12 months Shortfall fee Cash over the counter fee^ Additional Card linked to the same funds^ Replacement Card fee INR 100 Free Cash out fee INR 100 LIMITS USD EUR GBP SGD Minimum amount you can load on your Card Maximum load/reload and maximum balance allowed on your Card(s) at any one time Maximum load over 12 month period ** As prescribed by the Reserve Bank of India/FEMA guidelines from time to time, for the purpose of the visit abroad. As prescribed by the Reserve Bank of India/FEMA guidelines from time to time, for the purpose of the visit abroad. Maximum amount you can withdraw from ATMs in any 24 hours* Maximum amount that you can spend at merchants in any 24 hours Maximum amount you can withdraw as cash over the counter at banks in 24 hours* All fees, limits and Service Tax charges are subject to change, which will be displayed on ^ Service Tax as applicable shall be charged. * Some ATM operators and merchants may charge a fee or set their own limits. Please confirm whether any fees or limits apply, before making a withdrawal or purchase. + Such fee will be waived if your Card has a zero (0) balance or if there is no remaining balance following the debit of any monthly inactivity fee (if the balance is less than the fee). Subject to the limits prescribed for the purpose of travel as per FEMA or other regulations from time to time. ** The total amount you may load onto all prepaid cards issued to you by us during any twelve (12) month period. Merchant transactions and ATM withdrawals in a currency other than the currency of the Card will be exchanged to the currency on the Card at an exchange rate determined by MasterCard on the day the transaction is processed, increased by 3%. State Bank Foreign Travel Card is issued by State Bank of India, pursuant to license by MasterCard International. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. For more information, visit and register your Card on My Account to check your balance and view your transactions. Alternatively, call Card Services on one of the (freephone) numbers provided, to access the automated service.

5 Terms and Conditions By accepting and using the State Bank Foreign Travel Card (the Card ), you agree to comply with these Terms and Conditions and the Fees and Limits Table in the User Guide (together the Agreement ). The issuance of the Card is also subject to the Card applicant complying with all provisions of applicable laws, including the Foreign Exchange Management Act (FEMA), 1999, rules, regulations and directions as issued by The Reserve Bank of India or other appropriate authority under any law in force from time to time. This is a copy of the Agreement for you to keep. A further copy is available on request (see Contact details ). 1. In these Terms and Conditions: 1.1. Card Services means any services, including call centre services, provided by us, or our third party service provider, Access Prepaid Worldwide Limited (the Programme Manager ), in connection with the Card. 1.2 Purchase Location means any branch of State Bank of India, or the authorised agent appointed by State Bank of India from which you purchased the Card, within India. 1.3 we, us, our means The State Bank of India 1.4 you, your means the purchaser of the Card. 1.5 Any reference in this Agreement to the Card should be read as including any Additional Card or Replacement Card, issued to you, as applicable. 2. Your State Bank Foreign Travel Card 2.1 State Bank Foreign Travel Card is a prepaid currency card, which can be loaded in the currency of the Card. Payment will be in Indian Rupees and the exchange rate will be determined by the Purchase Location. 2.2 At the time of purchase, you may request an additional Card ( Additional Card ), subject to a fee, which can be used by you in the same way as the Card. 2.3 The Additional Card is for backup (for security/emergency purposes) and only you can use it. 2.4 There is no interest payable to you on the Card balance, and the Card funds do not amount to a deposit with us. 2.5 Except as otherwise set out in this Agreement, any liability we have to you is equal to the balance on the Card at any given time and is in the currency of the funds loaded onto the Card. Card loads or reloads will only be credited to the Card balance, once we, or our authorised agent, have received cleared funds from you. The Card balance will be debited and will decrease as a result of transactions and any applicable fees, as set out in this Agreement, as soon as we authorise the relevant transaction. Where a fee applies, that fee will be deducted from the balance on the Card at the relevant time and the Card balance will decrease accordingly. Please see clause 8 for an explanation of how to redeem any unspent balance on the Card. 2.6 The Card is not a credit Card and all use is limited to the amount pre-loaded and standing to the balance on the Card and any other limits referred to in this Agreement. 3. Using the Card 3.1 There may be a delay of up to four (4) business hours (or as advised by the Purchase Location) before you are able to use the Card. 3.2 The Card can be used worldwide (other than in India, Nepal and Bhutan or for payment of goods in Indian Rupees or the currencies of Nepal and Bhutan), wherever you see the MasterCard Acceptance Mark at ATMs and MasterCard merchants, including shops, restaurants and online (except where the website is registered in India, Nepal or Bhutan, or at websites accepting payment in Indian Rupee or the currencies of Nepal or Bhutan), providing there are sufficient funds available on the Card for the transaction, including any applicable fees. 3.3 The amount of each transaction and any associated fees will be deducted from the balance on the Card. Merchants that accept the Card are required to seek authorisation from us for all the transactions that you make, and we cannot stop a transaction once authorised. Some merchants may not be able to authorise your transaction if they cannot obtain an online authorisation from us; examples include some in-flight purchases, car park vending machines and toll booths. 3.4 There are circumstances when using the Card at certain merchants, including hotels and restaurants, where you may be required to have an available balance on the Card greater than the value of the transaction you wish to make. This amount will be reserved to cover tips/gratuities, temporarily reducing the balance available on the Card. This is required as the merchant may need to access more funds than you initially planned to spend. You will only be charged for the actual and final amount of the transaction you make. 3.5 We do not recommend using the Card as a guarantee of payment, for example as a deposit for hotels, cruise lines or car rental, as merchants such as these may estimate the final bill and this amount will be placed on hold by the merchant and become temporarily unavailable to access or spend. Only the actual amount of the final bill will be deducted from the Card. 3.6 The Card is only for your use and expires on the date on the front of the Card; however, you will still be able to obtain a refund of the balance after the expiry date. 3.7 You will be responsible and liable for all transactions made using the Card. You are also responsible for ensuring that every Card is used only in accordance with these Terms and Conditions. 3.8 If you notice a transaction on the Card that you do not recognise, you must notify Card Services immediately and in any event within thirty (30) days of the transaction being made. 3.9 You are not permitted to use the Card for money transfers (i.e. the sending of funds to a third party) or to access money transfer services, or for accessing or purchasing goods from adult or gambling locations or internet sites and the Card must not be used for any unlawful activity. You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card, in the country of purchase and/or use. We may suspend the Card or end the Agreement when you attempt to use the Card in violation of, or your use of the Card is restricted under, such laws and regulations You can only use the Card if it has a positive balance. In the unlikely event that the balance on the Card drops below zero (0), you agree to reload the Card to bring the balance back to zero (0) or above, within thirty (30) days of the request, and pay the applicable Shortfall fee. We recommend that you check your transaction history and balance at least once a fortnight. You should also ensure that you comply with the authorised limits set out by the Reserve Bank of India in the Foreign Exchange Management Act, 1999 and regulations thereunder We are entitled to set off any sum of money on the Card, due from you to us, against any positive balance on any other card held by you with us. 4. Keeping the Card and PIN secure 4.1 You cannot change the PIN issued with the Card. For a PIN reminder, you can phone Card Services or go to My Account at at any time. 4.2 You must sign the back of the Card as soon as you receive it. 4.3 You must do all that you reasonably can to keep the Card safe and your PIN and other security details secret at all times. 4.4 You must never allow anyone else to use the Card, PIN or other security information. 4.5 You must never write down or record your PIN or any other security information with the Card. 4.6 We will never ask you to reveal your PIN. 4.7 The PIN may be disabled if an incorrect PIN is entered three (3) times. If the PIN is disabled, please contact Card Services for assistance. There may be a twenty-four (24) hour delay in reactivating the PIN, and we may not be able to reactivate the PIN whilst you are abroad. If the PIN is disabled, or if a merchant does not accept chip and PIN, you will be required to sign for any transactions at merchants, provided that this is supported by and acceptable to the merchant. 4.8 You must call Card Services immediately and without undue delay if you lose the Card or the Additional Card or believe the Card or Additional Card could be misused or you suspect that someone else may know the PIN or any other security details. We will suspend the appropriate Card to prevent further use. If a lost Card is subsequently found, it must not be used, unless Card Services confirm it may be used. 4.9 You will be required to confirm details of the loss, theft or misuse to Card Services in writing/by and you must assist us and the police in any enquiries We may suspend the Card, with or without notice, if we think the Card has been or is likely to be misused; if you have breached the Agreement; or if we suspect any illegal use of the Card If you are entitled to a refund for any reason, for goods or services purchased using the Card, this will be made to the Card You should check your Card balance regularly so you can notify Card Services within thirty (30) days, of any unauthorised transactions. 5. Liability for unauthorised transactions 5.1 You will be liable for all Card transactions which you have authorised. You will also be liable for transactions which you have not authorised (a) if you have acted fraudulently; (b) if you have failed to use the Card in accordance with the Agreement; (c) if you have failed to notify Card Services in accordance with clause 4.8 on becoming aware of the Card loss, theft, or misuse; (d) if you have failed to take all reasonable steps to keep the Card s security features safe; or (e) if you have failed to notify Card Services in accordance with clause 3.8 on becoming aware of a transaction on the Card that you do not recognise. 5.2 You must notify Card Services of any dispute without undue delay and in any event within thirty (30) days of the relevant transaction. 5.3 Subject to clauses 5.1 and 5.2, you will not be liable for any unauthorised Card transactions. Where you are not liable for an unauthorised transaction, we will refund the value of that transaction, including any fees charged and will have no further liability to you for any other losses you may suffer. However, if our investigations conclude that the transaction you have disputed has been authorised by you or on your behalf, we may charge you an investigation administration fee of up to INR 4,500 or foreign currency equivalent. 6. Fees and Limits 6.1 Fees apply to the Card. Please note that fees apply to the purchase of the Card, loading of funds to the Card, Card usage (for example ATM withdrawals), cashout of unspent funds and when you use the Card to make a purchase or withdrawal in a currency other than that loaded onto the Card. Service Tax on the fees, as applicable, shall also be charged. For details on the fees that apply to the Card, please refer to the Fees and Limits Table in User Guide or on From time to time, we may limit the amount you can load on the Card, or the amount you can withdraw from ATMs or spend at merchants over certain time periods. Some ATM operators may also impose their own limits on the amount that can be withdrawn over a specific time period.

6 7. Foreign currency transactions 7.1 There are three (3) instances where a foreign exchange rate will apply: i) Initial load or in branch reload of a foreign currency Card; ii) ATM withdrawals, point of sale transactions or internet transactions, where the local currency is different from the Card currency; and iii) When you close a foreign currency Card. The method for calculating the exchange rate for each scenario is as set out below. 7.2 (i) The foreign exchange rate used for initial loads and in-branch reloads of a foreign currency Card is set by us and may vary depending on the location where you load the Card. You can ask the Purchase Location for the exchange rate beforehand. Foreign exchange rates are subject to variation and the rate that applies one day will not necessarily be the same on any other day. (ii) If an ATM withdrawal, point of sale or internet transaction is made in a currency other than that loaded onto the Card, the amount will be converted into the currency of the Card. The exchange rate used is the rate determined by MasterCard to be the wholesale market rate or the government mandated rate in effect the day the transaction is processed by MasterCard, increased by a foreign exchange margin of 3.00% plus any applicable Service Tax. For example, if you use a USD Card to withdraw money from an ATM in France, the ATM fee applies, as well as a currency conversion margin. If a USD Card is used at an ATM in the United States, a flat ATM withdrawal fee applies, with no foreign exchange margin. See example below*. (iii) The foreign exchange rate used for closing a foreign currency Card is set and determined by us and varies each day. *Example of foreign currency margin, applied to ATM withdrawals, point of sale or internet transactions. Suppose you make a purchase or an ATM withdrawal in France for EUR with a USD Card, and the prevailing exchange rate, set by MasterCard, is (USD1.00 = EUR 0.70). Before the foreign exchange margin charged by us, applies, this would equate to USD (EUR / 0.70). After the foreign exchange margin of USD 2.14 is applied (i.e. USD x 3.00%), this would equate to USD ( ), plus applicable Service Tax. 8. Redeeming unspent funds You may redeem any unspent funds on the Card through the Purchase Location. Payment will be in Indian Rupees (INR) and the exchange rate will be determined by the Purchase Location. In most cases the Purchase Location will not pay you in cash when you redeem your funds and will instead arrange for the relevant funds to be credited to your account with any bank in India. If you request the Purchase Location to cash out the Card and to refund any balance on the Card, the balance will be paid no later than one (1) working day after your request, less any applicable fee, as set out in the Fees and Limits Table. If you experience any difficulty closing the Card through the Purchase Location, or if the Card has expired, please contact Card Services. 9. Ending the Agreement 9.1 The Agreement continues until the Card expires or until we end it in accordance with these terms and conditions, or if you ask us to end it by writing to, or ing, Card Services. 9.2 We may end the Agreement by giving you at least thirty (30) days written notice by letter or , to the address you have provided us. 9.3 We may ask for the return of the Card and end the Agreement, with or without notice, if you materially breach any of these terms and conditions. 9.4 The ending of the Agreement will not affect your right (if any) to redeem unspent funds, in accordance with clause Changing the terms 10.1 We may change the Agreement (including bringing in new terms and fees or changes in the fees and services we offer) at any time, at our discretion, by giving you at least thirty (30) days notice. We will notify you of changes to the Agreement by , or in writing, to the contact details you have provided Card Services We will notify you of any changes at least thirty (30) days before the change is implemented. If you are dissatisfied with any change, you can end the Agreement by contacting Card Services. 11. Personal Data 11.1 We may contact you by telephone, letter or at the contact details you provide us. You must let Card Services know immediately if you change your name, address, phone number or address By purchasing the Card and using it, you consent to us and our service providers processing the information we collect about you ( Personal Information ), in connection with the Card Services, under the Agreement Your Personal information may be disclosed by us to third parties, to enable us to provide the Card Services and for data analysis, anti-money laundering, detection of crime, legal compliance, law enforcement and fraud prevention purposes Your Personal Information may be processed outside of the country of purchase, but all service providers are required to have adequate safeguards in place to protect your Personal Information If you opt in to receiving promotional messages, you agree we may contact you about other products and services provided by us or our affiliates. If you no longer wish to receive this information, please contact us You can contact Card Services for a copy of the Personal Information we hold about you, pursuant to our privacy policy and other rules. A fee may be charged for this service To aid us in the provision of the Card Services and improve our service, telephone calls may be recorded and/or monitored. By using this service, you consent to this recording and/or monitoring. 12. Our liability to you 12.1 Unless otherwise required by law or as set out in the Agreement, we will not be liable to you in respect of any losses you or any third party may suffer in connection with the Card, except where such losses are due to a breach by us of the Agreement, or due to our gross negligence ATMs and point of sale terminals may not be owned or operated by us and we are not responsible for ensuring that they will accept the Card or the way in which a merchant processes a transaction. We will not be liable to you for any disputes concerning the quality of goods or services purchased with the Card or any additional fees charged by the operator of these terminals. 13. Additional information The Card is an unsecured prepaid Card facility, issued by the State Bank of India. 14. Law and Jurisdiction The Agreement is governed by, and will be construed according to, the laws of India and the Courts in Mumbai will have the exclusive jurisdiction to adjudicate any dispute between the parties. 15. Third Party Rights Except for any party referred to in clause 16, nothing in the Agreement gives any third party any benefit or right (including any enforcement right). 16. Transferring our rights We may assign any of our rights and obligations under the Agreement to any other person or business, subject to such party continuing the obligations in the Agreement to you. 17. Contact details 17.1 If you have any queries regarding the Card, please refer to If you have any further queries, are dissatisfied with the standard of service, you think we have made a mistake in operating the Card or you require information about your Personal Information, please contact Card Services We can be contacted by using the details in the Contact details section in the User Guide or by writing to: MC-FTC Helpdesk, State Bank of India, 12th Floor, State Bank Bhavan, Madame Cama Road, Nariman Point, Mumbai , India We will try to resolve any problems as quickly as possible and in accordance with the complaints procedure, which can be found on or is available on request.

7 State Bank Foreign Travel Card is issued by State Bank of India, pursuant to license by MasterCard International. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. CP10309/V1/0912

TRAVELLING SHOULDN T COST YOU THE EARTH USER GUIDE

TRAVELLING SHOULDN T COST YOU THE EARTH USER GUIDE TRAVELLING SHOULDN T COST YOU THE EARTH USER GUIDE Travelling shouldn t cost you the earth. Cash Passport Globe the smart card for savvy travellers Here you will find everything you need to know about

More information

ATM HAVE A SAFE TRIP! FREE SAFE EASY CHIP & PIN ACCEPTED AT 32 MILLION. prepaid MasterCard currency card

ATM HAVE A SAFE TRIP! FREE SAFE EASY CHIP & PIN ACCEPTED AT 32 MILLION. prepaid MasterCard currency card Prepaid MasterCard Currency Card HAVE A SAFE TRIP! USER GUIDE FREE SAFE EASY ATM WITHDRAWALS CHIP & PIN NO LINKS TO YOUR BANK ACCOUNT ACCEPTED AT 32 MILLION LOCATIONS worldwide Making the most of your

More information

POSTFX CURRENCY CARD USER GUIDE

POSTFX CURRENCY CARD USER GUIDE POSTFX CURRENCY CARD USER GUIDE Find out how to: Use your PostFX Currency Card Report your Card lost or stolen Reload your Card And much more... Welcome to your new PostFX PREPAID MASTERCARD CURRENCY CARD

More information

FEDERAL BANK CASH PASSPORT FREQUENTLY ASKED QUESTIONS (FAQS)

FEDERAL BANK CASH PASSPORT FREQUENTLY ASKED QUESTIONS (FAQS) FEDERAL BANK CASH PASSPORT FREQUENTLY ASKED QUESTIONS (FAQS) 1. How does Cash Passport work? Federal Bank Cash Passport is a prepaid currency card, which can be used abroad, to withdraw local currency

More information

EVERYTHING YOU NEED TO KNOW ABOUT: USING YOUR CARD MANAGING YOUR CARD TOPPING UP YOUR FUNDS USER GUIDE AND TERMS & CONDITIONS

EVERYTHING YOU NEED TO KNOW ABOUT: USING YOUR CARD MANAGING YOUR CARD TOPPING UP YOUR FUNDS USER GUIDE AND TERMS & CONDITIONS EVERYTHING YOU NEED TO KNOW ABOUT: USING YOUR CARD MANAGING YOUR CARD TOPPING UP YOUR FUNDS USER GUIDE AND TERMS & CONDITIONS 1 PROTECTED ADAPTABLE CONVENIENT Welcome to the Multi-currency Cash Passport

More information

Prepaid MasterCard Currency Card EVERYTHING YOU NEED TO KNOW ABOUT: USING YOUR CARD OVERSEAS MANAGING YOUR CARD. TOPPING UP YOUR funds USER GUIDE

Prepaid MasterCard Currency Card EVERYTHING YOU NEED TO KNOW ABOUT: USING YOUR CARD OVERSEAS MANAGING YOUR CARD. TOPPING UP YOUR funds USER GUIDE Prepaid MasterCard Currency Card EVERYTHING YOU NEED TO KNOW ABOUT: USING YOUR CARD OVERSEAS MANAGING YOUR CARD TOPPING UP YOUR funds USER GUIDE 1 Welcome to the Multi-currency Cash Passport Prepaid MasterCard

More information

NAB Traveller Card User Guide Effective 20 January 2014

NAB Traveller Card User Guide Effective 20 January 2014 NAB Traveller Card User Guide Effective 20 January 2014 Welcome to the NAB Traveller Card When you re travelling, it s reassuring to know your NAB Traveller Card is packed with travel friendly features,

More information

NAB Traveller Card User guide Including Terms and Conditions Effective 7 June 2014

NAB Traveller Card User guide Including Terms and Conditions Effective 7 June 2014 NAB Traveller Card User guide Including Terms and Conditions Effective 7 June 2014 i Welcome to the NAB Traveller Card When you re travelling, it s reassuring to know your NAB Traveller Card is packed

More information

www.fpcu.org RELOADABLE PREPAID CARD

www.fpcu.org RELOADABLE PREPAID CARD www.fpcu.org RELOADABLE PREPAID CARD terms AND CONDITIONS Effective 5.1.12 The following are your Financial Partners Credit Union MASTERCARD Reloadable Prepaid Card Terms and Conditions. Except as the

More information

Actorcard Prepaid Visa Card Terms & Conditions

Actorcard Prepaid Visa Card Terms & Conditions Actorcard Prepaid Visa Card Terms & Conditions These Terms & Conditions apply to your Actorcard prepaid Visa debit card. Please read them carefully. In these Terms & Conditions: "Account" means the prepaid

More information

Cash Passport User Guide. Including Terms and Conditions

Cash Passport User Guide. Including Terms and Conditions Cash Passport 24 Hour Helpline If your Cash Passport is lost or stolen, or you require assistance using it, call us toll free using the appropriate number listed below. From: Call: Australia 1800 889 040

More information

Prepaid Card Terms and Conditions

Prepaid Card Terms and Conditions Prepaid Card Terms and Conditions These terms and conditions apply to your Prepaid Card. You must read them carefully. In these terms and conditions "you" means the named Prepaid Cardholder and the authorised

More information

TERMS AND CONDITIONS for the Select Retailer Group Prepaid Virtual Card and the Spend Anywhere Prepaid Virtual Card

TERMS AND CONDITIONS for the Select Retailer Group Prepaid Virtual Card and the Spend Anywhere Prepaid Virtual Card TERMS AND CONDITIONS for the Select Retailer Group Prepaid Virtual Card and the Spend Anywhere Prepaid Virtual Card This Agreement applies to Your Virtual card. You must read it carefully. By applying

More information

ipayu TM Prepaid MasterCard FREQUENTLY ASKED QUESTIONS

ipayu TM Prepaid MasterCard FREQUENTLY ASKED QUESTIONS ipayu TM Prepaid MasterCard FREQUENTLY ASKED QUESTIONS What is the ipayu Prepaid The ipayu Prepaid MasterCard provides parents with a convenient, safe way to send money to their students. Students can

More information

ANZ Credit Cards CONDITIONS OF USE 20.07.2015 CONSUMER CREDIT CARDS

ANZ Credit Cards CONDITIONS OF USE 20.07.2015 CONSUMER CREDIT CARDS ANZ Credit Cards CONDITIONS OF USE 20.07.2015 CONSUMER CREDIT CARDS Containing terms and conditions for: ANZ Consumer Credit Cards ANZ Internet Banking ANZ Phone Banking ANZ Mobile Banking BPAY ANZ Contacts

More information

T s And C s. Credit card. It s Ours. Effective 28 May 2015

T s And C s. Credit card. It s Ours. Effective 28 May 2015 T s And C s. Credit card terms Effective April and 2012 conditions Effective 28 May 2015 It s Ours. 1 What s Inside Here. Kiwibank Credit Card Terms and Conditions 2 1. Responsibility for your use and

More information

KARATBARS PREPAID MASTERCARD TERMS AND CONDITIONS

KARATBARS PREPAID MASTERCARD TERMS AND CONDITIONS KARATBARS PREPAID MASTERCARD TERMS AND CONDITIONS DEFINITIONS Agreement means these Terms and Conditions. Available Funds means at any given time any unspent funds loaded onto Your Card which is available

More information

David Jones Storecard and David Jones American Express Card Member Agreement, Financial Services Guide and Purchase Protection. Terms and Conditions

David Jones Storecard and David Jones American Express Card Member Agreement, Financial Services Guide and Purchase Protection. Terms and Conditions David Jones Storecard and David Jones American Express Card Member Agreement, Financial Services Guide and Purchase Protection Terms and Conditions Issued May 2016 DAVID JONES STORECARD AND DAVID JONES

More information

Terms and conditions The TUI Travel Prepaid MasterCard Terms and Conditions 1. DEFINITIONS Account Account Number Agreement Available Balance Card

Terms and conditions The TUI Travel Prepaid MasterCard Terms and Conditions 1. DEFINITIONS Account Account Number Agreement Available Balance Card Terms and conditions The TUI Travel Prepaid MasterCard Terms and Conditions Please read this agreement carefully before you use your Card. This information forms the terms and conditions of your Thomson

More information

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE PERSONAL CHECK and/or ATM CARD

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE PERSONAL CHECK and/or ATM CARD ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE PERSONAL CHECK and/or ATM CARD This agreement and disclosure applies to payment orders and funds transfers governed by the Electronic Fund Transfer Act.

More information

1.2 Business Day means any day other than a Saturday, a Sunday or a public or bank holiday in England and Wales.

1.2 Business Day means any day other than a Saturday, a Sunday or a public or bank holiday in England and Wales. Skrill Prepaid MasterCard Terms and Conditions These Terms and Conditions apply to your Skrill Card in addition to the Terms of Use and Privacy Policy governing your Skrill Account Terms of Use (https://www.skrill.com/en/siteinformation/terms-conditions/).

More information

Reloadable Visa Debit Card. These are your Reloadable Visa Debit Card Terms and Conditions.

Reloadable Visa Debit Card. These are your Reloadable Visa Debit Card Terms and Conditions. Reloadable Visa Debit Card These are your Reloadable Visa Debit Card Terms and Conditions. "Agreement" means these Visa Prepaid Card Terms and Conditions."We" "us" and "our" refer to Del Norte Credit Union.

More information

JETSTAR TRAVEL CARD PRODUCT DISCLOSURE STATEMENT

JETSTAR TRAVEL CARD PRODUCT DISCLOSURE STATEMENT JETSTAR TRAVEL CARD PRODUCT DISCLOSURE STATEMENT 6 MARCH 2014 CONTENTS Product Disclosure Statement 01 Information about the Card Account 02 Terms and Conditions 11 1. Definitions and interpretation 11

More information

How To Use Anz Credit Card

How To Use Anz Credit Card ANZ Credit Cards CONDITIONS OF USE 25.05.2015 CONSUMER CREDIT CARDS Containing terms and conditions for: ANZ Consumer Credit Cards ANZ Internet Banking ANZ Phone Banking ANZ Mobile Banking BPAY ANZ Contacts

More information

credit card Conditions of Use

credit card Conditions of Use VISA credit card Conditions of Use EFFECTIVE FROM 20 MARCH 2013 a refreshing attitude to banking QUEENSLAND COUNTRY CREDIT UNION VISA CREDIT CARD 1 Contents 1. Introduction 3 2. Additional Cards 3 3. Application

More information

MyNetCard Visa Card Terms and Conditions

MyNetCard Visa Card Terms and Conditions MyNetCard Visa Card Terms and Conditions MYNETCARD VISA CARD TERMS AND CONDITIONS OF USE Please read these terms and conditions (the "Terms and Conditions") carefully and keep a copy for your records.

More information

THE ABCUL CREDIT UNION PREPAID CARD SUMMARY BOX

THE ABCUL CREDIT UNION PREPAID CARD SUMMARY BOX SUMMARY BOX The information in these tables summarises key product features and is not intended to replace any terms and conditions. ON APPLICATION Card fee 3.50 Other up-front fees 0.50 to load the card

More information

Travel Money Card Plus

Travel Money Card Plus money Travel Money Card Plus Terms and Conditions November 2013 Your travel money card plus Handled with care Travel Money Card Plus Terms and Conditions November 2013 Please read this Agreement carefully

More information

ANZ EFTPOS card and ANZ Visa Debit card

ANZ EFTPOS card and ANZ Visa Debit card ANZ EFTPOS card and ANZ Visa Debit card Conditions of Use Where to find things in this document What you need to know about these Conditions of Use...1 How to contact us...1 A glossary of the terms we

More information

Great Wall International. Debit Card (GWI Debit Card)

Great Wall International. Debit Card (GWI Debit Card) Great Wall International Debit Card (GWI Debit Card) Product Disclosure Statement and Conditions of Use Dated at 24 January 2013 Prepared by Bank of China (Australia) Limited ABN 28 110 077 622 AFS Licence

More information

MASTERCARD PREPAID CARDHOLDER TERMS & AGREEMENT

MASTERCARD PREPAID CARDHOLDER TERMS & AGREEMENT MASTERCARD PREPAID CARDHOLDER TERMS & AGREEMENT This MasterCard Prepaid Cardholder Terms & Agreement (this agreement ) is the terms and conditions governing our issuance and your use of the First National

More information

The American Express GlobalTravel Card

The American Express GlobalTravel Card The American Express GlobalTravel Card Product Disclosure Statement (including Cardmember Agreement) Dated 1 January 2011 This PDS does not take into account your personal objectives, financial situation

More information

True Rewards Card Conditions of Use

True Rewards Card Conditions of Use True Rewards Card Conditions of Use True Rewards ASB Bank Limited 55930 1300 0315 Hello and welcome! These are the conditions of your agreement with ASB Bank Limited, PO Box 35, Shortland Street, Auckland

More information

Escape Travel Money MasterCard Prepaid Card Terms and Conditions

Escape Travel Money MasterCard Prepaid Card Terms and Conditions These terms and conditions apply to your Prepaid Card. You must read them carefully. In these terms and conditions: Additional Cardholder means the person you have authorised to use a prepaid card connected

More information

Hang Seng Credit Card Benefits Directory

Hang Seng Credit Card Benefits Directory Hang Seng Credit Card Benefits Directory Content 1. Important Points to Remember Page 1 2. Customer Privileges - Hang Seng Credit Card Rewards Programme Page 2 - Online Shopping Security Page 3 - Greater

More information

Visa Company Card CONDITIONS OF USE

Visa Company Card CONDITIONS OF USE Visa Company Card CONDITIONS OF USE This guide is current as at April 2015. This document is a legal contract between you and ANZ Bank New Zealand Limited in respect of the issue, and use of, Visa Company

More information

How To Pay A Money Card On A Microsoft Money Card

How To Pay A Money Card On A Microsoft Money Card IDT FINANCIAL SERVICES LIMITED MOMENTUM PREPAID MASTERCARD TERMS AND CONDITIONS DEFINITIONS Agreement means these Terms and Conditions. Available Funds means at any given time any unspent funds loaded

More information

LOVE2SHOP ONLINE and ANYWHERE PREPAID CARD TERMS AND CONDITIONS

LOVE2SHOP ONLINE and ANYWHERE PREPAID CARD TERMS AND CONDITIONS LOVE2SHOP ONLINE and ANYWHERE PREPAID CARD TERMS AND CONDITIONS This Agreement applies to Your Card. You must read it carefully. By applying for or using the Card, You are agreeing to the terms set out

More information

American Express. Credit Card Conditions, Financial Services Guide and Credit Guide. December 2010 AU027108E

American Express. Credit Card Conditions, Financial Services Guide and Credit Guide. December 2010 AU027108E American Express Credit Card Conditions, Financial Services Guide and Credit Guide December 2010 AU027108E Postal Address American Express Australia Limited Cardmember Services GPO Box 1582 Sydney NSW

More information

TERMS AND CONDITIONS FOR THE ICICI BANK INDIAN RUPEE TRAVEL CARD

TERMS AND CONDITIONS FOR THE ICICI BANK INDIAN RUPEE TRAVEL CARD TERMS AND CONDITIONS FOR THE ICICI BANK INDIAN RUPEE TRAVEL CARD The following terms and conditions ( Terms and Conditions ) apply to the ICICI Bank Travel Card facility provided by ICICI Bank. For your

More information

Effective, 1 December 2015, the Travel Money Card Product Disclosure Statement and Conditions of Use dated 25th October 2014 are amended as follows.

Effective, 1 December 2015, the Travel Money Card Product Disclosure Statement and Conditions of Use dated 25th October 2014 are amended as follows. Travel Money Card. Important Notice to Commonwealth Bank Customers Effective, 1 December 2015, the Travel Money Card Product Disclosure Statement and Conditions of Use dated 25th October 2014 are amended

More information

Credit Card Contract

Credit Card Contract Credit Card Contract Credit Card Booklet Cardholder enquiries & Lost and stolen cards Telephone : (679) 321 4300 Facsimile : (679) 330 3738 BSP/SecDocTemp006 Page 1 of 21 Template Issue No.3 reviewed 19032012

More information

Credit Card Conditions of Use. Credit Guide.

Credit Card Conditions of Use. Credit Guide. Credit Card Conditions of Use Credit Guide. Effective Date: September 2015 This document contains the terms and conditions that apply to St.George Bank Business Visa Debit Card cardholders and to all transactions

More information

ING Vysya Bank Forex Travel Card is a pre-paid foreign currency card that offers you a safe, secure and

ING Vysya Bank Forex Travel Card is a pre-paid foreign currency card that offers you a safe, secure and Forex Travel Card FAQs: What is ING Vysya Bank Forex Travel Card? ING Vysya Bank Forex Travel Card is a pre-paid foreign currency card that offers you a safe, secure and convenient way to meet all expenses

More information

360 Federal Credit Union Reloadable Prepaid Card Terms and Conditions

360 Federal Credit Union Reloadable Prepaid Card Terms and Conditions 360 Federal Credit Union Reloadable Prepaid Card Terms and Conditions These are your Prepaid Card Terms and Conditions: "Agreement" means these Visa Prepaid Card Terms and Conditions. "We" "us" and "our"

More information

ONPOINT COMMUNITY CREDIT UNION International Prepaid Card Terms and Conditions

ONPOINT COMMUNITY CREDIT UNION International Prepaid Card Terms and Conditions ONPOINT COMMUNITY CREDIT UNION International Prepaid Card Terms and Conditions International Prepaid Card These are your International Prepaid Card Terms and Conditions. "Agreement" means these VISA Prepaid

More information

ATM/Debit Terms and conditions

ATM/Debit Terms and conditions ATM/Debit Terms and conditions www.bankofireland.com Bank of Ireland is regulated by the Central Bank of Ireland. 37-1108R (11/11) Terms and Conditions ATM Card and Visa Debit Card 1.0 Definitions of Terms

More information

7-Eleven Prepaid Visa Card

7-Eleven Prepaid Visa Card 7-Eleven Prepaid Visa Card TERMS AND CONDITIONS 03.2013 Terms & Conditions of the Card Australia and New Zealand Banking Group Limited ABN 11 005 357 522 ( ANZ ), AFSL 234527 is the issuer of this 7-Eleven

More information

Visa Student Card Terms and Conditions. These are your Student Card Terms and Conditions.

Visa Student Card Terms and Conditions. These are your Student Card Terms and Conditions. Visa Student Card Terms and Conditions These are your Student Card Terms and Conditions. "Agreement" means these Visa Student Card Terms and Conditions. "We" "us" and "our" refer to Bank-Fund Staff Federal

More information

AA Travel Currency MasterCard Prepaid Cards Terms and Conditions

AA Travel Currency MasterCard Prepaid Cards Terms and Conditions These terms and conditions apply to your Prepaid Card. You must read them carefully. In these terms and conditions: Additional Cardholder means the person you have authorised to use a prepaid card connected

More information

Diners Club Corporate Travel System Terms and Conditions

Diners Club Corporate Travel System Terms and Conditions Diners Club Corporate Travel System Terms and Conditions Contents 1 Definitions 4 2 Accepting these Terms and Conditions 7 3 Authorised Users and Authorised Cardholders 7 4 Authorised Travel Agents 7

More information

2. SCOPE OF THIS AGREEMENT

2. SCOPE OF THIS AGREEMENT The TUI Travel Prepaid MasterCard Terms and Conditions (October 2009) Please read this Agreement carefully before you use your Card. This information forms the Terms and Conditions of your Thomson Travel

More information

Visa Debit Card Conditions of Use.

Visa Debit Card Conditions of Use. Visa Debit Card Conditions of Use. Your Visa Debit Card gives you all the benefits of an EFTPOS card and more. That s because now you can shop everywhere you would with EFTPOS and anywhere VISA is accepted.

More information

Debit MasterCard. Conditions of Use. These are the conditions of use that apply to your Rabobank Debit MasterCard. You must read and retain them.

Debit MasterCard. Conditions of Use. These are the conditions of use that apply to your Rabobank Debit MasterCard. You must read and retain them. Debit MasterCard Conditions of Use These are the conditions of use that apply to your Rabobank Debit MasterCard. You must read and retain them. May 2013 Contents 1. Signing your card... 3 2. Ownership

More information

card account Terms and Conditions Handled with care Your account credit card

card account Terms and Conditions Handled with care Your account credit card card account Your account Handled with care credit card Contents These tell you about the services that are available with your Post Office card account. Please read this booklet carefully as a Post Office

More information

PREPAID CURRENCY CARD DEBIT CARD PRODUCT DISCLOSURE STATEMENT SECURE CONVENIENT RELOADABLE. www.cashpassport.com.au

PREPAID CURRENCY CARD DEBIT CARD PRODUCT DISCLOSURE STATEMENT SECURE CONVENIENT RELOADABLE. www.cashpassport.com.au PREPAID CURRENCY CARD DEBIT CARD PRODUCT DISCLOSURE STATEMENT SECURE CONVENIENT RELOADABLE www.cashpassport.com.au ! "#$ % & ' & ( ) * +, - ',. ), # / 0 $ / 0 $ 1 2 / 1 1 3 4 5 1 12 1 / / 6 7 4 5 4 5 '

More information

Woolworths Everyday Money Reloadable Prepaid MasterCard

Woolworths Everyday Money Reloadable Prepaid MasterCard Woolworths Everyday Money Reloadable Prepaid MasterCard Product Disclosure Statement ( PDS ) dated April 2013 This PDS sets out the Terms and Conditions for the operation and use of the Woolworths Everyday

More information

Credit Card Conditions of Use. Credit Guide.

Credit Card Conditions of Use. Credit Guide. Credit Card Conditions of Use. Credit Guide. Effective Date: 20 May 2016 This document does not contain all the terms of this agreement or all of the information we are required by law to give you before

More information

The Community Mutual Group Visa Credit Card Conditions of Use

The Community Mutual Group Visa Credit Card Conditions of Use The Community Mutual Group Visa Credit Card Conditions of Use The Community Mutual Group, Hunter Mutual, New England Mutual and Orana Mutual are trading names of Community Mutual Ltd: ABN 21087650360 :

More information

ANZ Commercial Card TERMS AND CONDITIONS 11.2015. ANZ Corporate Card ANZ Visa Purchasing Card ANZ Business One

ANZ Commercial Card TERMS AND CONDITIONS 11.2015. ANZ Corporate Card ANZ Visa Purchasing Card ANZ Business One ANZ Commercial Card TERMS AND CONDITIONS 11.2015 ANZ Corporate Card ANZ Visa Purchasing Card ANZ Business One Containing Terms and Conditions for: Facility Terms and Conditions Electronic Banking Conditions

More information

ASB Visa Platinum Credit Card. Conditions of Use and Travel Insurance Policy Wording.

ASB Visa Platinum Credit Card. Conditions of Use and Travel Insurance Policy Wording. ASB Visa Platinum Credit Card. Conditions of Use and Travel Insurance Policy Wording. Part 1 Credit Card Conditions of Use Section Pg 01. Definitions............................. 1 02. Your Card and PIN........................

More information

Terms and Conditions. Purchasing Card Virtual Purchasing Card

Terms and Conditions. Purchasing Card Virtual Purchasing Card Terms and Conditions Purchasing Card Virtual Purchasing Card 1 DEFINITIONS Capitalised terms in the Agreement have the meaning set out at the end of the Agreement. 2 OPENING ACCOUNTS 2.1 What happens when

More information

BANK OF BARODA (NEW ZEALAND) LIMITED (BOBNZ) VISA CLASSIC DEBIT CARD. User Guide

BANK OF BARODA (NEW ZEALAND) LIMITED (BOBNZ) VISA CLASSIC DEBIT CARD. User Guide BANK OF BARODA (NEW ZEALAND) LIMITED (BOBNZ) VISA CLASSIC DEBIT CARD User Guide Table of Contents Page No Welcome 2 Know your Visa Classic Debit Card 3 Important Information 4 Keeping your Visa Card safe

More information

Cumberland Business Debit Card. Terms & Conditions

Cumberland Business Debit Card. Terms & Conditions Cumberland Business Debit Card Terms & Conditions These Conditions apply to the use of business debit cards issued by Cumberland Building Society ( the Society ) by which you can: withdraw money, or obtain

More information

Visa Debit card product Conditions of Use

Visa Debit card product Conditions of Use Visa Debit card product Conditions of Use Valid from 1 July 2014. These Conditions of Use apply to the Visa Debit Card as issued by Police Financial Services Limited ABN 33 087 651 661 AFSL 240293 Australian

More information

Hang Seng enjoy Card Benefits Directory

Hang Seng enjoy Card Benefits Directory Hang Seng enjoy Card Benefits Directory Content Important Points to Remember Page 1 Customer Privileges - Hang Seng enjoy Card Rewards Programme Page 2 - Online Shopping Security Page 4 - Maximum Financial

More information

ING Vysya Bank Forex Travel Card is a pre-paid foreign currency chip card that offers you a safe, secure and

ING Vysya Bank Forex Travel Card is a pre-paid foreign currency chip card that offers you a safe, secure and Forex Travel Card FAQs: What is ING Vysya Bank Forex Travel Card? ING Vysya Bank Forex Travel Card is a pre-paid foreign currency chip card that offers you a safe, secure and convenient way to meet all

More information

Cumberland Valley National Bank & Trust Cash Card (Reloadable) Prepaid Card Terms & Conditions

Cumberland Valley National Bank & Trust Cash Card (Reloadable) Prepaid Card Terms & Conditions Rev 6/2015 Cumberland Valley National Bank & Trust Cash Card (Reloadable) Prepaid Card Terms & Conditions Cumberland Valley National Bank Prepaid Reloadable MasterCard Agreement This prepaid Reloadable

More information

UNIVERSITY FEDERAL CREDIT UNION ABILITY CARD TERMS AND CONDITIONS

UNIVERSITY FEDERAL CREDIT UNION ABILITY CARD TERMS AND CONDITIONS UNIVERSITY FEDERAL CREDIT UNION ABILITY CARD TERMS AND CONDITIONS Please keep these Terms and Conditions handy and refer to them when you need to. And remember, whenever you have a question, you can call

More information

Visa Debit & Prepaid Card Access Terms and Conditions As at 1 August 2015

Visa Debit & Prepaid Card Access Terms and Conditions As at 1 August 2015 As at 1 August 2015 VISA Card Conditions of Use These Conditions of Use take effect immediately except as otherwise advised in writing and replace all VISA Debit Card Conditions of Use previously issued.

More information

COMMBANK CREDIT CARD CONDITIONS OF USE.

COMMBANK CREDIT CARD CONDITIONS OF USE. COMMBANK CREDIT CARD CONDITIONS OF USE. How you can use your account. For all CommBank Personal Credit Cards and Business Credit Cards. 1 January 2015 CONTENTS Conditions of Use 1 Your contract with us

More information

Business Vantage Visa Credit Card. Conditions of Use. Effective Date: 20 May 2016

Business Vantage Visa Credit Card. Conditions of Use. Effective Date: 20 May 2016 Business Vantage Visa Credit Card Conditions of Use 1 Effective Date: 20 May 2016 Business Vantage Visa Conditions of Use Bank of Melbourne This document does not contain all the terms of this agreement

More information

American Express. Business Credit Card Conditions

American Express. Business Credit Card Conditions American Express Business Credit Card Conditions Effective 1st June 2006 Postal Address American Express Australia Limited Cardmember Services GPO Box 1582 Sydney NSW 2001 Lost or Stolen Cards In Australia

More information

Expect to know where you stand with your Visa Debit Card

Expect to know where you stand with your Visa Debit Card Expect to know where you stand with your Visa Debit Card VISA DEBIT CONDITIONS OF USE Acceptance of Conditions of Use 1.1 By using your Debit Card, you agree that these Conditions of Use are binding on:

More information

first direct credit card terms

first direct credit card terms first direct credit card terms 1 Definitions These are the definitions used in this Agreement: : a transfer to the Account of an amount you owe to another lender (who is not a member of the HSBC Group)

More information

IDT Prime Instant Non- Reloadable Prepaid Card - Consumer Terms & Conditions 15 November 2014

IDT Prime Instant Non- Reloadable Prepaid Card - Consumer Terms & Conditions 15 November 2014 IDT Prime Instant Non- Reloadable Prepaid Card - Consumer Terms & Conditions 15 November 2014 1. Your Card 1.1 Your Card is a prepaid electronic money ( e-money ) payment card. It is not a credit card.

More information

ANZ Credit Cards CONDITIONS OF USE

ANZ Credit Cards CONDITIONS OF USE ANZ Credit Cards CONDITIONS OF USE EFFECTIVE 5 OCTOBER 2015 ANZ Credit Cards Conditions of Use These Conditions of Use (as amended from time to time) govern the use of your ANZ Visa card, ANZ Visa Gold

More information

Amplify Business of Conditions of Use

Amplify Business of Conditions of Use Amplify Business Conditions Credit Card of Conditions of Use Effective: 25 September November 2015 2014 This document does not contain all the terms of this agreement or all of the information we are required

More information

Agcess Visa Card Terms and Conditions

Agcess Visa Card Terms and Conditions You should read carefully these Terms and Conditions and the Finance Conditions for the relevant Linked Facility and retain them for future reference. Copies of each of the documents can be made available

More information

Amplify Business Credit Card Conditions of Use.

Amplify Business Credit Card Conditions of Use. Amplify Business Credit Card Conditions of Use. Effective: September 2015 This document does not contain all the terms of this agreement or all of the information we are required to give you before the

More information

AAE Travel Card Terms and Conditions

AAE Travel Card Terms and Conditions www.aaetravelcard.com AAE Travel Card Terms and Conditions Welcome to AAE Travel Card Your use of your AAE Travel Card is governed by these AAE Travel Card Terms and Conditions between you and Abu Dhabi

More information

2. What currencies can be loaded on multi currency travel card?

2. What currencies can be loaded on multi currency travel card? 1. What is SIB Multi Currency Travel Card? It is a prepaid card which can be loaded with multiple currencies on a single card. It acts as a replacement to single currency denominated Travel Currency Cards.

More information

ANZ Credit Card Conditions of Use CREDIT CARDS

ANZ Credit Card Conditions of Use CREDIT CARDS ANZ Credit Card Conditions of Use CREDIT CARDS Effective AUgust 2014 Fiji Edition Important Notice This document does not contain all the pre-contractual information required to be given to you. Contact

More information

How does the EMV Travel Prepaid Card work?

How does the EMV Travel Prepaid Card work? How does the EMV Travel Prepaid Card work? The EMV Travel Prepaid Card is a reloadable prepaid Visa Reloadable EMV Travel Prepaid Card, which means you can spend up to the value placed on the card anywhere

More information

Gem Visa Conditions of Use

Gem Visa Conditions of Use Gem Visa Conditions of Use gemvisa.co.nz Disclosure Statement Financial Advisers Act 2008 The information provided in this statement is important and may assist you in selecting a financial services provider,

More information

Replacement Card Fee (SVC CHG REPLACE CARD): $5.00 (applies when card is replaced for any reason)

Replacement Card Fee (SVC CHG REPLACE CARD): $5.00 (applies when card is replaced for any reason) AUDI PREPAID VISA LOYALTY CARD CARDHOLDER AGREEMENT IMPORTANT PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION.

More information

YOUR BANKING RELATIONSHIP WITH US. Personal Banking terms and conditions

YOUR BANKING RELATIONSHIP WITH US. Personal Banking terms and conditions YOUR BANKING RELATIONSHIP WITH US Personal Banking terms and conditions July 2015 Changes to your Bank Account or Savings Account Conditions We are making some changes to the conditions that apply to our

More information

Yes, your card will expire at a given date, which is printed on the front of your card.

Yes, your card will expire at a given date, which is printed on the front of your card. What is the Debenhams Prepaid Card? Debenhams Prepaid Card works in a similar way to a pay as you go mobile phone. You top up what you need, when you need it. You top the card up with money which can be

More information

BENEFITS GUIDE. BMO Prepaid Travel. MasterCard. Your travel payment card

BENEFITS GUIDE. BMO Prepaid Travel. MasterCard. Your travel payment card BENEFITS GUIDE BMO Prepaid Travel * MasterCard Your travel payment card WELCOME! GET READY TO USE YOUR CARD WITH COMPLETE PEACE OF MIND. You ve just received your new BMO Prepaid Travel MasterCard the

More information

Money Manager Account Terms And Conditions

Money Manager Account Terms And Conditions General Terms and Conditions For EBS MoneyManager Accounts The EBS MoneyManager Account is designed to enable accountholders to manage their day-to-day financial transactions. Conditions 1. These Conditions

More information

CARDMEMBER AGREEMENT RATES AND FEES TABLE INTEREST RATES AND INTEREST CHARGES FEES

CARDMEMBER AGREEMENT RATES AND FEES TABLE INTEREST RATES AND INTEREST CHARGES FEES Purchase Annual Percentage Rate (APR) Balance Transfer APR Cash Advance APR Penalty APR and When It Applies Paying Interest Minimum Interest Charge Credit Card Tips from the Federal Reserve Board CARDMEMBER

More information

Bankwest Qantas Rewards Program for the Bankwest Qantas Transaction Account

Bankwest Qantas Rewards Program for the Bankwest Qantas Transaction Account Page 1 bankwest.com.au Bankwest Qantas Rewards Program for the Bankwest Qantas Transaction Account Terms and Conditions 30 November 2015 This booklet covers the terms and conditions that apply to the Bankwest

More information

Your Virgin Essential Current Account

Your Virgin Essential Current Account Your Virgin Essential Current Account The Terms July 2015 These are the Terms of your Virgin Essential Current Account. These Terms, along with our Welcome guide, make up our agreement with you. We give

More information

MANAGING YOUR CARD USING YOUR CARD OVERSEAS TOPPING UP YOUR FUNDS PRODUCT DISCLOSURE STATEMENT, APPLICATION FORM AND TERMS AND CONDITIONS

MANAGING YOUR CARD USING YOUR CARD OVERSEAS TOPPING UP YOUR FUNDS PRODUCT DISCLOSURE STATEMENT, APPLICATION FORM AND TERMS AND CONDITIONS Prepaid MasterCard Currency Card EVERYTHING YOU NEED TO KNOW ABOUT: USING YOUR CARD OVERSEAS MANAGING YOUR CARD TOPPING UP YOUR FUNDS PRODUCT DISCLOSURE STATEMENT, APPLICATION FORM AND TERMS AND CONDITIONS

More information

Low Rate Visa Card Terms and Conditions

Low Rate Visa Card Terms and Conditions Low Rate Visa Card Terms and Conditions This document forms part of your credit contract and should be read with the Credit Card Contract Schedule which also forms part of your credit contract. 1 Effective

More information

Sample Credit Card Agreement

Sample Credit Card Agreement Credit Cards Sample Credit Card Agreement Please note this is a sample credit card agreement. It does not contain a credit limit, any interest rates, an APR or the Total Amount Payable as this information

More information

FEDERAL ELECTRONIC FUND TRANSFER DISCLOSURES

FEDERAL ELECTRONIC FUND TRANSFER DISCLOSURES FEDERAL ELECTRONIC FUND TRANSFER DISCLOSURES IMPORTANT INFORMATION for our customers who have authorized electronic fund transfers: The Federal Electronic Fund Transfer Act and regulations adopted thereunder

More information

WORLD TRAVEL CARD TERMS & CONDITIONS

WORLD TRAVEL CARD TERMS & CONDITIONS WORLD TRAVEL CARD TERMS & CONDITIONS 1. PNB World Travel Card (hereinafter referred as the card) means the Card issued by the Punjab National Bank (hereinafter referred as the Bank), to the applicant (hereinafter

More information

T s And C s. On 28 May 2015, Kiwibank will be changing its Credit Card Terms and Conditions. View the new Credit Card Terms and Conditions here

T s And C s. On 28 May 2015, Kiwibank will be changing its Credit Card Terms and Conditions. View the new Credit Card Terms and Conditions here On 28 May 2015, Kiwibank will be changing its Credit Card Terms and Conditions. View the new Credit Card Terms and Conditions here T s And C s. Credit card terms Effective April and 2012 conditions Effective

More information

Basic cash account. This document can be made available in Braille, large print or audio upon request. Please ask any member of staff for details.

Basic cash account. This document can be made available in Braille, large print or audio upon request. Please ask any member of staff for details. Basic cash account www.bankofireland.co.uk This document can be made available in Braille, large print or audio upon request. Please ask any member of staff for details. Bank of Ireland UK is a trading

More information