MasterCard. all. you need to. know USER GUIDE AND TERMS & CONDITIONS

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "MasterCard. all. you need to. know USER GUIDE AND TERMS & CONDITIONS"

Transcription

1 Debit MasterCard all you need to know USER GUIDE AND TERMS & CONDITIONS 1

2 Debit MasterCard contents Benefits of your Debit MasterCard...5 Getting started...6 Understanding your card...6 Using your card...8 Card security Using your card overseas...12 Lost or stolen cards...13 Terms & Conditions

3 We re truly different from other banks because we re owned by our customers and we re built on the idea of giving back. In fact, we ve been giving back to New Zealanders since Because we re a co-operative our main purpose is to create prosperity for our customers, not create profit for anyone else. BENEFITS OF YOUR DEBIT MASTERCARD The Co-operative Bank is the only bank in New Zealand to share its profits with its customers Your Debit MasterCard is safer, faster and more widely accepted than an ATM card. And, because you re using your own money, it gives you more control over your spending than a credit card. Shop online, over the phone and at stores and ATMs around the world anywhere MasterCard is accepted. Tap & go and speed through purchases under $80, thanks to contactless payment technology. The encryption chip makes your information harder to copy. Transactions are monitored for fraud 24/7, so we can contact you if we ever see anything suspicious. Should your card fall into the wrong hands, you re protected under the MasterCard Zero Liability Policy, provided you ve taken the right steps to look after your card and account. Welcome to The Co-operative Bank and your new Debit MasterCard. Read on for full information about your card and everything you need to know to get started. 4 5

4 Getting started 1 Chip This encrypts your information, making it harder to copy. 4 Contactless symbol. This means you can Tap & go at stores that accept contactless payments. Sign your card now After reading this brochure, sign your card straight away. By signing your card and/ or using it, you agree to the terms and conditions, and any fees and charges associated with the use of your card. You can find our Debit MasterCard Terms and Conditions in this brochure. Activate your card For security reasons, you ll need to activate your Debit MasterCard. If your card already has a PIN, you can activate it by using it (with your PIN) at a store or ATM. If you ve requested a PIN to be mailed to you, it s on its way. If not, you can either load a PIN at a branch near you, or give us a call on and we ll send you one. 2 Your Debit MasterCard card number. 3 6 Your card s expiry date. We ll automatically send you a new card before this date. Call this number if you have any questions about your card. 5 7 MasterCard logo. Your card is accepted around the world, online and over the phone - anywhere you see this logo. Magnetic stripe. This stores information to validate your PIN so you can use your card at ATMs and EFTPOS terminals. Understanding your card 8 Here s what the numbers, logos, symbols and panels on your new card mean. Signature panel. Please sign your card here. 9 Card Security Code (CSC, CVP, CVN or CVV). You ll need to provide this number when making purchases online and over the phone. 10 Cirrus symbol. When you re overseas, you can use your card at any ATM displaying this symbol. Please note that fees apply to overseas transactions you can find further details about these fees on page

5 Using your card EFTPOS and ATMs Your Debit MasterCard is accepted worldwide at any merchant or ATM that displays the MasterCard, Cirrus or Maestro symbols. When you re in New Zealand, simply select CHQ or SAV to indicate which account you want the funds to come from. When you re overseas however, select CREDIT and enter your PIN or sign the receipt. The funds for overseas transactions will come from your nominated default account. Please note that fees apply to overseas transactions you can find further details about these fees on page 12. Tap & go If your card has a contactless symbol, you can use contactless payments to speed through purchases under $80, without using your PIN. At merchants that accept contactless payments, simply tap your card against the terminal to complete the transaction a status light will indicate that your payment has been made. Online and Phone To make purchases online or over the phone, use your Debit MasterCard just like a credit card. Select MasterCard and provide your card number, the expiry date and the Card Security Code on the back of your card. The funds for online or phone transactions will come from your nominated default account. MasterCard Privileges Indulge in a broad range of local and global experiences across dining, travel, retail and entertainment, available to all MasterCard holders. Visit mastercard.co.nz to check out the world of offers open to you as a MasterCard customer. For purchases over $80 you ll still need to use your PIN. Contactless transactions will draw funds from your nominated default account. You can use your Debit MasterCard to make purchases overseas at merchants that accept contactless payments. However, please note that different limits and requirements outside of our control may apply to overseas contactless purchases. 8 9

6 Card Security Your Debit MasterCard is more secure than an ATM card: Your card has a chip, rather than just a magnetic stripe. The chip encrypts your card information making it harder for fraudsters to copy your details. With contactless transactions your card never leaves your hand, so there is less risk of it being skimmed. When you Tap & go, you may be asked from time to time to enter your PIN or sign for security reasons. Debit MasterCard transactions are monitored for fraud 24/7. So we ll contact you if we notice any suspicious activity on your account. If your card should fall into the wrong hands, you re protected under the MasterCard Zero Liability Policy provided you ve taken the right steps to protect your card and have adhered to the Card s Terms & Conditions in this brochure visit mastercard.co.nz for full details. These simple rules will help you to keep your card safe: Sign your card straight away. Never give anyone your PIN, or store it near your card. Check your cards periodically to make sure none are missing. Destroy and dispose of copies of receipts, airline tickets, travel itineraries anything that displays your card number. When shopping online, look for sites with a web address that starts with https, a security and privacy statement, and a return policy

7 Using your card overseas Lost or Stolen cards You can use your Debit MasterCard around the globe anywhere that MasterCard is accepted. Here are a few things that you should know before you go: Be sure to load your PIN if you haven t already. You can do this in branch or call us on and we ll send you one. Check your card s expiry date to make sure it s valid for the length of your trip. Call us on to let us know where you ll be travelling. We ll make a note of it in case our fraud system picks up your overseas transactional activity as suspicious. Keep a separate record of your card number and the phone numbers to call if your card is lost or stolen. This will make it much easier should you find yourself without your card. It s a good idea to take a back-up form of payment just in case you have any trouble with your card while you re away. If your card is lost or stolen, please let us know straight away. As soon as you let us know, we can cancel your card to prevent fraudulent use. You will not be liable for any fraudulent use of your card if you contact us immediately and you have adhered to the Card s Terms & Conditions in this brochure. In New Zealand call: If you re overseas call: Or, you can call MasterCard Global Service on collect. Getting a replacement card We ll do our best to get a replacement card to you as soon as possible. If you re overseas, we can usually courier a new card to your location. MasterCard can also help you with emergency cash until your new card arrives. For more information about MasterCard Global Service, go to mastercard.co.nz Foreign Currency Transactions When you use your Debit MasterCard for transactions in a foreign currency, you ll be charged a currency conversion commission. The currency conversion commission is calculated as 2.5% of the New Zealand dollar value of the foreign currency transaction. Please refer to our Fees brochure for full information about overseas service fees that may apply to your account

8 Terms and Conditions These are your Co-operative Bank Debit MasterCard Terms and Conditions. Please read these Terms and Conditions and then keep this document in a safe place. Contents Requirements...15 Liabilities...18 Card transaction requirements Contactless transactions...23 Card acceptance & limitations Damaged or faulty Cards...25 Fees and charges...25 Terms & Conditions set by third parties...25 Card cancellation or change...25 Transaction disputes...25 Variations of Terms and Conditions...27 Definitions...28 As soon as you sign or use your Debit MasterCard you are deemed to have agreed to the Terms and Conditions in this document. Under our Terms and Conditions you are required to: keep your Personal Identification Number (PIN) secure, agree that your Card is the property of The Co-operative Bank, sign your Card as soon as you receive it. If you have any queries about your Debit MasterCard, you can call us on Receiving and signing your card When you receive your Card you must immediately sign it. You must not use your Card until you have signed it. You must not send your Card overseas or have any other person send your Card to you overseas. Please contact us to find out about sending a Card overseas or receiving a Card while you are overseas. Ownership of your card Your Card and Card number are the property of The Co-operative Bank. You must not copy or reproduce the Card. If we tell you to return or destroy your Card then you must do so. Selecting your PIN Your PIN enables you to use your Card in Electronic Funds Devices such as ATMs and EFTPOS terminals. When you select your PIN, you should choose a number that you will be able to remember easily as you must memorise it. You must not choose unsuitable numbers such as birth dates, months or years, parts of your telephone number, parts of your Card number, or sequential or easily identified numbers (e.g or 2222). You must also not use numbers from personal data such as your driver s licence or locker number, or other numbers easily connected with you

9 We recommend using different PIN numbers for different cards, other payment instruments or equipment, e.g. security alarms and lockers. From time to time we may replace/reissue you with a Card with your existing PIN, which means you do not need to visit a Branch to select a PIN unless you want to change it. Protecting your card and PIN For your security, your PIN must not be: written down, especially not on the Card, kept in any form with the Card, or disclosed to any other person, including the Police, family members or bank staff, or negligently or recklessly disclosed. You must ensure no one can see you enter your PIN at ATMs and EFTPOS terminals. You must exercise every possible care to ensure the safety of your Card and to prevent disclosure of your PIN. You must not allow others to use your Card, Card number or PIN. Always get your Card back after using it. Do not leave your Card in an unattended wallet, purse or vehicle or anywhere a thief could remove the Card without being noticed (particularly in night clubs, hotels or restaurants). If your Card is lost or stolen together with your PIN, it can be used for unauthorised transactions, which may result in a loss to you. Lost or stolen cards/pins You must notify us immediately if: your Card is lost or stolen, your PIN becomes known to someone else, or a record of your PIN is lost or stolen. You will be required to provide information on how the loss occurred. If you are outside New Zealand, please contact MasterCard Global Service : (US) (outside of US), or go to mastercard.co.nz for each country s number. There may be a charge to your Account if a replacement Card is required

10 Liabilities Your liability for losses which result from lost/stolen Cards/PINs Once you have told us that your Card has been lost or stolen, or your PIN disclosed, either in New Zealand or overseas, you will not be held responsible for any unauthorised use of your Card after that time, unless you have acted fraudulently or negligently. You will be deemed to have acted fraudulently or negligently if: you have failed to reasonably safeguard your Card, you have kept a written record of your PIN on or with your Card, you have kept your PIN in a form that can be readily identified as a PIN, you have selected an unsuitable PIN, you have disclosed your PIN to anyone, whether family or those in apparent authority including bank staff, or let them use your Card, you have unreasonably delayed notifying us that your Card has been lost or stolen, or that your PIN has been disclosed, you have failed to take all reasonable steps to prevent disclosure to any other person when keying in your PIN, or you have breached these Terms and Conditions. In the above instances, your maximum liability will be the lesser of: the actual loss at the time of notification, or the maximum amount that you would have been entitled to withdraw from your Account between the time your Card is lost/stolen and the time you notify us. On behalf of the Bank, Westpac New Zealand Limited ( Westpac ) provides a Fraud Monitoring Service in relation to the Debit MasterCard card. You consent to Westpac receiving personal information about you to provide this service and communicating with you directly if and when required concerning the screening, detection and investigation of any unauthorised access to, or potentially fraudulent transactions on your accounts. If your Card gives you access to an Account with a credit facility, failure to look after your Card and PIN could result in a substantial loss for which you could be held responsible. There may also be a charge to your Account if a replacement Card is required. Liability for transactions charged to your Account You are responsible for all transactions made with the use of your Card or Card number. You will be required to pay us the amounts on all: cash withdrawals and sales vouchers signed or authorised by you or another cardholder on your Account, mail, telephone, internet order or transactions and Cycle Payments authorised by you or another cardholder on your Account, EFT transactions carried out on your Account using your Card(s) or the Card of another cardholder on your Account, other transactions authorised by you or another cardholder on your Account and approved by us. There are risks involved if you or another cardholder on your Account initiate a transaction by mail order, telephone order, internet or by . You are giving authority to the merchant to process an EFT transaction or issue a sales voucher for the purchase amount which will be debited to your Account

11 You should consider the security and standing of the company or entity you are doing business with. If you or another cardholder on your Account initiate Cycle Payment transactions, i.e. if you agree with a merchant that an amount will be debited against your Account on a regular basis, then you are liable for meeting those transaction amounts even if you close your Account. In certain circumstances your agreement with the merchant may authorise the debiting of your Account with additional purchase amounts without the need for your signature. Provided these amounts have been incurred under the terms of that agreement they may be charged to your Account. Incorrect or unauthorised transactions If you think a transaction shown on your statement is incorrect, you can dispute it by following the procedures described in the section entitled Transaction disputes later in this brochure. In some situations, if you do not receive the goods or services you have ordered with your Card or by use of your Card number, or you have not authorised a transaction, you may be able to get a credit for the transaction from the merchant. Card transaction requirements Use of your Card constitutes an irrevocable order to us, and you may not stop payment of a transaction made using your Card. You may not stop payment of a Transaction made using your Card. There are limited circumstances under which we can reverse a transaction which will be subject to the rules of MasterCard. For example, we cannot reverse a transaction where there is a dispute with a merchant about the quality of goods and services. We will not be responsible for the goods and services supplied by any merchant, and any complaints you have with the merchant must be resolved by you with the merchant concerned. Electronic Funds Transfers will be debited to your Account on the day the transaction is made, or as soon as possible thereafter, subject to our right to vary the date of debiting due to circumstances beyond our control. When you use your Card in an Electronic Funds Device, the transaction will be processed as soon as we are notified by the bank that owns the Electronic Funds Device you used. Unless you are advised otherwise, when systems are fully operational, the daily transaction limits for EFT transactions made with your Card, subject to your available credit limit and available funds in your nominated Account(s) and any applicable limit imposed by a particular merchant, are a maximum of: $4,000 for EFT transactions from all Accounts that can be accessed by your Card, or $4,000 for ATM cash withdrawals from any Account, or combination of Accounts, that can be accessed by your Card, plus other EFT transactions from all Accounts that can be accessed by your Card, up to a maximum of $4,000, less the amount of any ATM cash withdrawals made in the same day

12 You will be obliged to pay any amounts debited to your Accounts which exceed the daily EFT transaction limits. In addition, there may be a daily limit on the number of EFT transactions you may make using your Debit MasterCard. In respect of Off-line Funds Transfers, any voucher signed or authorised by you shall be authority for us to process the transaction to your Account. The transaction will be processed as soon as we receive it. If you initiate a transaction with your Card by mail order, telephone order or via the internet you are authorising the merchant to process an EFT transaction or issue a sales voucher for the purchase amount, which will be debited to your Account. If you initiate Cycle Payment transactions i.e. if you agree with a merchant that an amount will be debited against your Account on a regular basis, then you are liable for meeting those transaction amounts even if you close your Account. The acceptance of an Electronic Funds Transfer or an Off-line Funds Transfer is not a representation by us that you have sufficient funds in your Account to cover the transfer of funds. Where a transfer overdraws your Account, normal overdraft charges will apply. Details of these overdraft charges are available from or by calling us on You are liable for meeting the transaction amount. If you wish to dispute a transaction on your Account, you may do so. See the section on Transaction disputes later in this brochure. In addition to these Terms and Conditions, the use of your Card is also subject to the conditions which apply to your Account(s). For example, you agree not to use your Card beyond your available funds on any nominated Account (including any overdraft limit). Contactless transactions Your Card has contactless payment technology built in. Contactless payments are available at terminals where you see the contactless logo. To pay for purchases under NZ$80 in New Zealand, you can simply tap your Card against a card reader on a Contactless Terminal without using your PIN or signature. Tapping your Card is you agreeing that the transaction amount is correct and authorising payment to be made from your nominated Account. For purchases over NZ$80, a PIN or signature will be required. A different threshold may apply in other countries. If an Off-line Funds Transfer is processed to an Account that has been closed or is open and there are insufficient funds to permit the transaction, we will not be deemed in any way to have consented to that transfer

13 Card acceptance & limitations In New Zealand, your Card will be accepted in any ATM or Electronic Funds Device or by any merchant displaying the MasterCard symbol. Overseas, your Card will be accepted at ATMs, banks and merchants displaying the MasterCard symbol and at any Electronic Funds Device displaying the MasterCard or Cirrus or Maestro symbol. However, we will not be held liable if any bank or merchant either refuses to accept the Card or will not allow the Card to be used to purchase particular types of goods and services available at the premises. We will not be responsible for the goods and services supplied by any merchant. Any complaints you have with the merchant must be resolved by you. The use of your Card for foreign currency transactions may be subject to exchange controls or other government requirements and additional costs may be incurred. MasterCard processes and converts into New Zealand Dollars, cash withdrawals, purchases and/or charges made in foreign currencies at the rate(s) of exchange fixed by MasterCard. Transactions made in United States Dollars are converted directly into New Zealand Dollars. MasterCard converts transactions made in any other foreign currency into United States Dollars before converting them into New Zealand Dollars. Certain transactions made in Australia may be converted directly into New Zealand Dollars. A foreign currency fee will be charged by us on any such foreign currency transaction in addition to any fee charged by the merchant. Damaged or faulty cards In the event that your Card becomes damaged or faulty, we will issue you with a new Card when you return the damaged/faulty Card to us, together with a description of how the damage or fault occurred. There may be a charge to your Account for this replacement Card. Fees and charges You agree to pay all fees and other charges relating to the use of your Card. Fees and charges that may be incurred and charged to your Account are subject to change, and are outlined at and in our Transaction and Service Fees brochure available from any Co-operative Bank branch. Terms & conditions set by third parties In addition to these Terms and Conditions, the use of your Card in an EFT terminal is subject to the conditions imposed from time to time by other financial institutions that are parties to any EFT system. Card cancellation or change We may cancel your Card at any time without prior notice. We may also change your Card to another scheme or branded Card at any time and, where we consider it necessary or appropriate, cancel the Card your new Card replaces. If you are notified that your Card has been cancelled, you are required to cut your Card in half and return it to any Branch. You may cancel your Card by notifying us in writing, cutting the Card in half and returning it to any Branch. Transaction disputes Where you have a dispute with a merchant regarding a transaction, we may require you to speak to the merchant first to try to resolve the situation and provide us evidence of this. Where you cannot resolve the situation with the merchant or you believe the transactions have occurred resulting 24 25

14 from either unauthorised access to, or potentially fraudulent transactions on your Account(s), you will need to notify us of a disputed transaction within the time period stated below. You are responsible for checking your transactions to ensure their accuracy, and advising us of any mistakes which can include, but are not limited to, incorrect, invalid or unauthorised transactions, even if you are not at the address to which you have requested us to send statements. If you do not notify us of a disputed transaction within the time period stated below then the charge or record of the transaction will remain on your Account. If you want to dispute any transaction recorded on your Account, you must notify us within 60 days of the transaction occurring. You ll be required to provide us details of the transaction you re disputing which may require you providing evidence of your attempt to resolve the dispute with the merchant directly. Once you have met the above disputed transaction notification requirements we will investigate the matter and acknowledge your complaint within five business days. Failure to report the incorrect, invalid or unauthorised transaction within 60 days will mean we cannot reverse the transaction and you will have to pay for it. investigation, we believe the charge or transaction should remain, we will contact you to inform you of our reasons and whether a transaction dispute service fee will be charged. If you have followed our internal complaints procedure and you are still not satisfied with the outcome of the investigation, you may refer the matter to the Banking Ombudsman. In respect of disputes between merchants and cardholders, refer to the Card transaction requirements section earlier in these Terms and Conditions. Variation of Terms and Conditions We reserve the right to vary these Terms and Conditions at any time. Notice of any such changes to these Terms and Conditions will be given at least 14 days in advance in accordance with the Code of Banking Practice. The Code of Banking Practice is available at any Co-operative Bank branch or online at Where it is established that an error did occur (whether it was the disputed transaction complained of, or not) it will be corrected, and you will be advised of any appropriate adjustments which will be made to your Account. If, as a result of our 26 27

15 Definitions Bank, we, us, our or Co-operative Bank means The Co-operative Bank Limited. you or your means the Account holder or cardholder, depending on the context. Account means your nominated Co-operative Bank account from which funds may be withdrawn by using your Card. Branch means any Co-operative Bank branch. Branch terminal means each of the computer terminals installed at the service counters at our branches. Card means your Co-operative Bank Debit MasterCard or, as the case may require, such other scheme or branded card as may be issued to you from time to time under these Terms and Conditions. Contactless Terminal means an EFT terminal which can be used to make Contactless Transactions. Cycle Payment means a payment which you authorise a merchant to debit against your Account on a regular basis. Electronic Funds Device in New Zealand, means any Branch Terminals, point of sale terminals or automatic teller machines (ATM) approved by us as a device in which the Card may be used in accordance with these Terms and Conditions within New Zealand. Overseas, Electronic Funds Device means any Electronic Funds Device displaying the MasterCard, Maestro or Cirrus symbols. Electronic Funds Transfer (EFT) means the process by which funds are withdrawn electronically from your Account. You authorise an Electronic Funds Transfer by using your Card with your associated PIN, and making Contactless Transactions under $80 (NZD) with no PIN, at an Electronic Funds Device. Off-line Funds Transfer means the process by which funds are withdrawn from your Account when an Electronic Funds Device is out of operation or a merchant does not have EFT facilities. You authorise an Off-line Funds Transfer by signing or authorising the issue of an off-line payment voucher. Contactless Transaction means a transaction made by holding your Card close to the card reader on a Contactless Terminal without having to insert or swipe the Card

16 want to know more or have any questions? Come and see us at your local branch, visit us at co-operativebank.co.nz or call us on

17 32 CS 79/05/15

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

Get the most from a Westpac Debitplus Visa card.

Get the most from a Westpac Debitplus Visa card. Get the most from a Westpac Debitplus Visa card. Debitplus, it s the easy way to buy things using your own money. Debitplus is the convenient way to buy products and services. You simply use it to access

More information

Conditions of Use for Westpac Debit. MasterCard and Westpac Airpoints Debit MasterCard.

Conditions of Use for Westpac Debit. MasterCard and Westpac Airpoints Debit MasterCard. Conditions of Use for Westpac Debit MasterCard and Westpac Airpoints Debit MasterCard. As at 26 September 2015 Debit card Conditions of Use These Conditions of Use apply to the Westpac Debit MasterCard

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

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

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

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

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

ANZ Credit Cards CONDITIONS OF USE

ANZ Credit Cards CONDITIONS OF USE ANZ Credit Cards CONDITIONS OF USE EFFECTIVE 9 DECEMBER 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

Westpac Airpoints TM Credit Card Conditions of Use

Westpac Airpoints TM Credit Card Conditions of Use Westpac Airpoints TM Credit Card Conditions of Use MasterCard Cards These are the conditions of use for your Westpac Airpoints TM MasterCard account. Please read this document carefully and then keep it

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

MasterCard and Visa Cards

MasterCard and Visa Cards Westpac Credit Card Conditions of Use MasterCard and Visa Cards These are the conditions of use for your Westpac MasterCard and Visa card accounts. Please read this document carefully and then keep it

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

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

Expect to know where you stand with your Visa Card

Expect to know where you stand with your Visa Card Expect to know where you stand with your Visa Card CONDITIONS OF USE Acceptance of Conditions of Use 1.1 By using your Credit Card, you agree that these Conditions of Use are binding on: a) You as the

More information

Visa Corporate Card and Visa Purchasing Card Guide

Visa Corporate Card and Visa Purchasing Card Guide Visa Corporate Card and Visa Purchasing Card Guide Contents Getting Started 1 Sign Your Card Now 1 2 Your Pin 1 3 Your Credit Limit 1 4 Transaction Limits 1 5 Fees 1 Using Your Card 1 Card Transactions

More information

ANZ Business Preferred MasterCard CARDHOLDER TERMS AND CONDITIONS

ANZ Business Preferred MasterCard CARDHOLDER TERMS AND CONDITIONS ANZ Business Preferred MasterCard CARDHOLDER TERMS AND CONDITIONS General Conditions ANZ Business Preferred MasterCard Cardholder Terms and Conditions These Terms and Conditions (as amended from time

More information

MasterCard and Visa Cards

MasterCard and Visa Cards Westpac Credit Card Conditions of Use MasterCard and Visa Cards These are the conditions of use for your Westpac MasterCard and Visa card accounts. Please read this document carefully and then keep it

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

Business Debit MasterCard

Business Debit MasterCard Business Debit MasterCard Terms and conditions. Effective as at 12 March 2014. ABN 99 003 719 319 1 Contents These Terms and Conditions 3 What you can do with your card 6 Issue of Business Debit MasterCards

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

BNZ Advantage Credit Card Terms and Conditions.

BNZ Advantage Credit Card Terms and Conditions. BNZ Advantage Credit Card Terms and Conditions. 1 May 2015 This document contains the terms and conditions that apply to BNZ Advantage credit card accounts operated by you, including the terms and conditions

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

ANZ Bank New Zealand Limited ANZ17881

ANZ Bank New Zealand Limited ANZ17881 ANZ Credit Card Conditions of Use Effective 9 December 2015 This document sets out your ANZ Credit Card s terms and conditions In this document we ve explained the terms and conditions applying to your

More information

CREDIT CARD. Our terms and conditions for. Your credit card

CREDIT CARD. Our terms and conditions for. Your credit card CREDIT CARD Our terms and conditions for Your credit card 1 Introduction and Definitions 1.1 Scope These Terms and Conditions are a contract between you and BNZ. They apply to the use of your Card, including

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

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

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

Credit Card. Conditions of Use.

Credit Card. Conditions of Use. Credit Card. Conditions of Use. Acceptance of Conditions of Use These are the conditions of an agreement between us, ASB Bank Limited, ASB North Wharf, 12 Jellicoe Street, PO Box 35, Shortland Street,

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

Westpac Credit Card Conditions of Use. MasterCard cards and Visa cards and hotpoints American Express Card(s)

Westpac Credit Card Conditions of Use. MasterCard cards and Visa cards and hotpoints American Express Card(s) Westpac Credit Card Conditions of Use MasterCard cards and Visa cards and hotpoints American Express Card(s) These are your Westpac credit card conditions of use. Please read these conditions of use and

More information

ASB Visa Platinum Credit Card

ASB Visa Platinum Credit Card Keep in touch Drop in to any ASB branch Call 0800 803 804 Visit asb.co.nz Visit us at facebook.com/asbbank Follow us on twitter.com/asbbank ASB Visa Platinum Credit Card Conditions of Use and Travel Insurance

More information

VISA DEBIT CARD CONDITIONS OF USE

VISA DEBIT CARD CONDITIONS OF USE GOLDFIELDS MONEY LTD VISA DEBIT CARD CONDITIONS OF USE Effective: 20 May 2015 These Conditions of Use take effect on and from 20/05/2015 except as otherwise advised in writing and replace all VISA Debit

More information

Private Clients Visa Platinum Card

Private Clients Visa Platinum Card Effective Date: 7 December 2013 Private Clients Visa Platinum Card Conditions of Use and Rewards Program Terms and Conditions This document does not contain all the terms of this agreement or all of the

More information

BNZ Platinum Visa credit card. Terms and conditions.

BNZ Platinum Visa credit card. Terms and conditions. BNZ Platinum Visa credit card Terms and conditions. 1. Introduction and definitions 1.1 These Terms and Conditions are a contract between you and BNZ. They apply to the use of your Card, including where

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

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

CONDITIONS OF USE. for GREATER BUSINESS VISA CREDIT CARDS

CONDITIONS OF USE. for GREATER BUSINESS VISA CREDIT CARDS Head Office: 103 Tudor Street, Hamilton NSW 2303 PO Box 173, Hamilton NSW 2303 Phone: 1300 651 400 Fax: (02) 4921 9112 Web: www.greater.com.au Email: webenquiry@greater.com.au ABN 88 087 651 956 Australian

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

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

Credit Card. Conditions of Use. Keep in touch.

Credit Card. Conditions of Use. Keep in touch. Keep in touch. Drop in to any ASB branch Call 0800 803 804 Visit asb.co.nz Visit us at facebook.com/asbbank Follow us on twitter.com/asbbank Credit Card. Conditions of Use. asb.co.nz ASB Bank Limited 13001

More information

BNZ Business First Visa Card

BNZ Business First Visa Card BUSINESS FIRST VISA CARD Helpful information about BNZ Business First Visa Card Putting your Business First BNZ Business First Visa card is the smart way to manage your day to day business expenses. It

More information

Access your bank account anywhere, anytime

Access your bank account anywhere, anytime Access your bank account anywhere, anytime The Butterfield Visa Debit Card offers the ultimate in convenience, whether you re shopping or need to access cash at home or abroad. Use it wherever Visa is

More information

BNZ credit card terms and conditions.

BNZ credit card terms and conditions. BNZ credit card terms and conditions. 11 September 2015 Important Information for new credit card customers When you first enter into your credit card contract with us, we are required to give you certain

More information

CONDITIONS OF USE for GREATER CREDIT CARDS

CONDITIONS OF USE for GREATER CREDIT CARDS Head Office: 103 Tudor Street, Hamilton NSW 2303 PO Box 173, Hamilton NSW 2303 Phone: 1300 651 400 Fax: (02) 4921 9112 Web: www.greater.com.au Email: webenquiry@greater.com.au ABN 88 087 651 956 Australian

More information

What you need to know about your HSBC Credit Card. effective 1 April 2016

What you need to know about your HSBC Credit Card. effective 1 April 2016 What you need to know about your HSBC Credit Card effective 1 April 2016 Visa Credit Cards Customer Service Centre For customer service, lost or stolen or PIN queries: Call 132 152 Within Australia 1800

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

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

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

Business MasterCard CONDITIONS OF USE

Business MasterCard CONDITIONS OF USE Business MasterCard CONDITIONS OF USE Contents 1 Definitions 2 2 When you receive your card 4 3 The cardholder s personal identification number (PIN) 4 4 Your business card account 5 5 Payments 6 6 Transferring

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

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

Visa Business Credit Card Guide

Visa Business Credit Card Guide Visa Business Credit Card Guide Contents Getting Started 1 Sign Your Card Now 2 2 Your PIN 2 3 Your Credit Limit 2 4 Spend Limits and Cash Advance Limits 3 5 Fees 3 6 Additional Cards 3 Using your Card

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. 25 March 2016 CONTENTS Conditions of Use 1 Your contract with us

More information

What you need to know about your HSBC Credit Card. effective 25 October 2014

What you need to know about your HSBC Credit Card. effective 25 October 2014 What you need to know about your HSBC Credit Card effective 25 October 2014 Visa Credit Cards Customer Service Centre For customer service, lost or stolen or PIN queries: Call 132 152 Within Australia

More information

YOUR GUIDE TO THE WAREHOUSE REWARDS MASTERCARD

YOUR GUIDE TO THE WAREHOUSE REWARDS MASTERCARD YOUR GUIDE TO THE WAREHOUSE REWARDS MASTERCARD your card As soon as your Rewards MasterCard arrives make sure you sign it straight away. If you applied online you ll also need to activate your card by

More information

Visa Classic Credit Card

Visa Classic Credit Card Visa Classic Credit Card GENERAL INFORMATION Initial Disclosure Statement... 3 Rates and Fees... 9 Conditions of Use... 13 Credit Card Insurance... 35 Effective 6 June 2015 1 2 Initial Disclosure Statement

More information

Welcome to the convenience of a Bank of Melbourne. Visa Debit Card.

Welcome to the convenience of a Bank of Melbourne. Visa Debit Card. Welcome to the convenience of a Bank of Melbourne Visa Debit Card. Everyday Purchases Type of transaction ATM cash withdrawal In-store purchase In-store cash-out Bill payment How to access funds in Australia

More information

Westpac Debit MasterCard. Terms and Conditions for Personal Customers

Westpac Debit MasterCard. Terms and Conditions for Personal Customers Westpac Debit MasterCard Terms and Conditions for Personal Customers Effective as at 3 February 2015 Your Bank The advisory services and the banking products you ll find in this booklet are provided to

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

credit cards Our terms and conditions for Your credit card

credit cards Our terms and conditions for Your credit card credit cards Our terms and conditions for Your credit card Contents PAGE 4 Introduction and Definitions Scope Agreement Read these Terms and Conditions Over-riding laws Guarantees as to service Interpretation

More information

1. DEFINITIONS. Big Sky Building Society. www.bigsky.net.au

1. DEFINITIONS. Big Sky Building Society. www.bigsky.net.au Big Sky Visa Credit Card Conditions of Use These Conditions of Use are effective from 1 June 2015 except as otherwise advised in writing and replace all VISA Credit Card Conditions of Use previously issued.

More information

Go Home Loan. Terms and Conditions HOME LOANS. Effective June 2014 THE FINE PRINT

Go Home Loan. Terms and Conditions HOME LOANS. Effective June 2014 THE FINE PRINT Go Home Loan Terms and Conditions Effective June 2014 THE FINE PRINT HOME LOANS CONTENTS PURPOSE OF THESE TERMS AND CONDITIONS 1 The purpose of these Terms and Conditions 4 Status of these Terms and Conditions

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

HSBC Visa Debit Card. Making the most of your card. HSBC Customer Service Centre. Go to hsbc.com.au/debit

HSBC Visa Debit Card. Making the most of your card. HSBC Customer Service Centre. Go to hsbc.com.au/debit HSBC Customer Service Centre Go to hsbc.com.au/debit Call 1300 308 008 from Australia +61 2 9005 8131 from Overseas 24 hours a day, 7 days a week ^Visa Zero Liability subject to investigation of unauthorised

More information

Effective 4 May 2015. Credit Cards. Terms and Conditions

Effective 4 May 2015. Credit Cards. Terms and Conditions Effective 4 May 2015 Credit Cards. Terms and Conditions For all Beyond Bank Australia Credit Cards Terms and Conditions, Information Statement and Credit Guide Contents: Important Information... 3 Terms

More information

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

General Information for Cardholder s on PIN & PAY

General Information for Cardholder s on PIN & PAY General Information for Cardholder s on PIN & PAY As part of our on-going initiative to enhance security, we are pleased to introduce the 6-digit PIN (Personal Identification Number) for validation, replacing

More information

Commonwealth Bank Personal Liability Business Credit Card

Commonwealth Bank Personal Liability Business Credit Card Commonwealth Bank Personal Liability Business Credit Card Conditions of Use Please note: You must use the Personal Liability Business Credit Card for business purposes only. You (the individual that applies

More information

Macquarie Credit Cards

Macquarie Credit Cards Macquarie Credit Cards Conditions Of Use EFFECTIVE NOVEMBER 2015 Important note: This booklet does not contain all the pre-contractual information we are required by law to give you before the agreement

More information

ACCOUNT TERMS AND CONDITIONS

ACCOUNT TERMS AND CONDITIONS ACCOUNT TERMS AND CONDITIONS Effective April 2013 Contents 1. Purpose of these Terms and Conditions The purpose of these Terms and Conditions... 1 Status of these Terms and Conditions... 1 Alteration of

More information

WOOLWORTHS MONEY CREDIT CARDS CONDITIONS OF USE EFFECTIVE 26 OCTOBER 2014

WOOLWORTHS MONEY CREDIT CARDS CONDITIONS OF USE EFFECTIVE 26 OCTOBER 2014 WOOLWORTHS MONEY CREDIT CARDS CONDITIONS OF USE EFFECTIVE 26 OCTOBER 2014 Important note This booklet does not contain all the pre-contractual information we are required by law to give you before the

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES Account Holder: Financial Institution: This Agreement and Disclosure is made in compliance with federal law regulating electronic funds transfer (EFT)

More information

Debit Card Conditions of Use

Debit Card Conditions of Use Debit Card Conditions of Use BOQ Specialist Banking Package Dated 1 August 2014 BOQ Specialist Banking Package Debit Card Conditions of Use BOQ Specialist Bank Limited ABN 55 071 292 594 Effective 1 August

More information

ANZ CashBack. programme guide

ANZ CashBack. programme guide ANZ CashBack programme guide CashBack rewards you for purchases you make with your CashBack card. Using your card CashBack Rewards CashBack rewards you for purchases you make with your CashBack card.

More information

Lombard Visa Card Account Conditions of Use

Lombard Visa Card Account Conditions of Use Lombard Finance Pty Limited Phone: 1300 132 302 PO Box 6227, Baulkham Hills NSW 2153 ABN 31 099 651 877 Australian Credit Licence 247 415 V0312 Lombard Visa Card Account Conditions of Use Your contract

More information

Investec Credit Card Conditions Of Use

Investec Credit Card Conditions Of Use Investec Credit Card Conditions Of Use Consumer Credit Only Investec Bank (Australia) Limited Abn 55 071 292 594 Effective 1 March 2014 Specialist Bank IMPORTANT NOTE This document does not contain all

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

Visa Credit Card Conditions of Use

Visa Credit Card Conditions of Use Visa Credit Card Conditions of Use Effective date: 31 March 2015 This booklet should be read in conjunction with the Terms and Conditions contained in the Financial Service Guide (FSG) for the Bank products

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

Bankwest. Account Access. Conditions of Use 19 May 2015. making banking easier

Bankwest. Account Access. Conditions of Use 19 May 2015. making banking easier Bankwest Account Access Conditions of Use 19 May 2015 making banking easier Product Disclosure Statement If you are opening a Bankwest-branded Investment and Transaction Account with us, or are applying

More information

Code of Banking. Practice. Code of. Banking FIFTH. nzba.org.nz EDITION

Code of Banking. Practice. Code of. Banking FIFTH. nzba.org.nz EDITION Code of Banking Code of Practice Banking FIFTH Practice 2012 EDITION FIFTH E D I T I O N 2012 nzba.org.nz Contents 1 introduction 3 1.1 This Code 3 1.2 Governing Principles and Objectives of the Code 4

More information

Business Charge Card and Business Credit Card Terms and Conditions

Business Charge Card and Business Credit Card Terms and Conditions Business Charge Card and Business Credit Card DECEMBER 2014 CONTENTS 1. Use of Your Business Credit Card or Business Charge Card 3 2. Making and Stopping Payments 4 3. Payments and Statements 4 4. Refunds

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

Card and Account Security. Important information about your card and account.

Card and Account Security. Important information about your card and account. Card and Account Security. Important information about your card and account. 2 Card and Account Security 1. Peace of mind As a Bendigo Bank customer you can bank with confidence knowing that, if you take

More information

Altitude Business Credit Cards

Altitude Business Credit Cards Altitude Business Credit Cards Conditions of Use Effective 1 July 2014 Your Credit Card Contract includes this Conditions of Use brochure, the letter which advises your credit limit and the precontractual

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Singapore Airlines Westpac Gold Credit Cards Conditions of Use

Singapore Airlines Westpac Gold Credit Cards Conditions of Use Singapore Airlines Westpac Gold Credit Cards Conditions of Use Effective 1 July 2014 Conditions of Use Your Credit Card Contract includes this Conditions of Use booklet, the letter which advises both your

More information

Debit MasterCard Application

Debit MasterCard Application Debit MasterCard Application This application is for a Devon Bank Debit MasterCard. In order to issue a personalized, individual card to either signer of a joint account, each owner must fill out a separate

More information

DEBIT MASTERCARD APPLICATION

DEBIT MASTERCARD APPLICATION DEBIT MASTERCARD APPLICATION Hickory Point Bank s Debit MasterCard - the only card you need Our Debit MasterCard gives you a fast, economical and convenient way to purchase the products and services you

More information

Visa Credit Card Terms and Conditions. Effective 1 March 2015

Visa Credit Card Terms and Conditions. Effective 1 March 2015 Visa Credit Card Terms and Conditions Effective 1 March 2015 Important information The credit limit and all cards are offered to you on the terms set out in this Visa Credit Card Credit Contract, which

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

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

JETSTAR MASTERCARD AND JETSTAR PLATINUM MASTERCARD

JETSTAR MASTERCARD AND JETSTAR PLATINUM MASTERCARD JETSTAR MASTERCARD AND JETSTAR PLATINUM MASTERCARD conditions OF USE EFFECTIVE 1 July 2012 Important note This booklet does not contain all the pre-contractual information we are required by law to give

More information

CONSUMER ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES

CONSUMER ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES CONSUMER ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES This Agreement and Disclosure is made in compliance with federal law regulating consumer electronic funds transfer (EFT) services. Consumer

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

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

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

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

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