FAQ

To activate a Plastic Card, please visit www.universalgiftcard.com.au and enter the proxy number (PN number on the back of your card), your 4-digit code which is enclosed in the letter you received with your card and the 3-digit CVV on the back of the card.

To activate a Virtual Card (email delivered), please click on the ACTIVATE NOW button in the email you received with your card and enter the 16 digit card proxy number and your 4-digit code which are in the first email you received with your card and the 3-digit CVV, which for security purposes, arrives in a second email.

To activate a Digital Prepaid Card, follow the instructions and use the link provided in your SMS message to:
1. Open the Universal Gift Card app and enter your mobile number and activation code.
2. Tap “Add to Wallet” to add to your preferred phone wallet.
It’s that simple! Your Digital Mastercard will be added to your Apple Pay, Google Pay or Samsung Pay wallet, ready to Tap and Pay and/or use online.

Yes. It will expire at the end of the month shown on the front of the card. This means that most cards have a life of about 12 months. Whatever value is left on the card after its expiry will not be available to you. We encourage you to use your card before it expires.

Phone 1800 174 239 immediately to report a stolen card, so we can stop any subsequent transactions from being authorised. If the balance on the card exceeds $15 at the time you report its loss, you may order a replacement card, which will be loaded with the balance of the lost / stolen / damaged card at the time its loss was reported, less an administration fee of $15.

Corporate Prepaid Cardss can be spent in about 500,000 stores in Australia or 25 million stores overseas or for internet purchases — wherever Visa Prepaid Cards are accepted, provided the merchant can process it electronically.

The card can not be used for mail or telephone orders, and we suggest it not be used at automated fuel bowsers.

For single load Prepaid Visa Gift Cards there are no hidden costs:

No monthly account fees
No inactive card fees
No fee to activate the card online or over the phone

However;

There may be a small fee to access your balance over the phone
If you use a Corporate Prepaid Cards overseas, a foreign currency conversion fee of 3% of the transaction value will apply

Only reloadable Visa Cards can be used at ATM’s

You will need to supplement the spending power on the card with cash or other payment method accepted by the merchant.

There are several possibilities:

1. Your card has not been activated
2. The amount of the purchase exceeds the available balance. (Please refer to the following two questions and answers too.)
3. Your card has expired
4. Your card has been reported lost or stolen or has been suspended
5. Reserved funds have not yet been released
6. The signature panel on the back of the card has not been signed, or your signature on the purchase receipt does not match the signature on the back of the card

By visiting www.universalgiftcard.com.au or by phoning the number shown on the card. Merchants can not do a balance enquiry through their point-of-sale system.

Yes – by visiting www.universalgiftcard.com.au.

There are no fees for using your card. Visiting the web site is free – to check your card balance or transactions or for any other purpose. Reporting a lost / stolen card is free, but other phone calls will generally attract a small fee – but you will be advised of that fee and given the chance to hang up before any amount is charged to your card balance. Reloadable cards have a nominal monthly fee, but this is usually paid by our corporate clients, not each cardholder.

If your card is a singleload card (4249 xxxx):
No. Your card does not have a PIN. But to check your card balance or transaction history, you will need to enter your 4 digit authentication code, generally the dd mm part of your date of birth.
If your card is a reloadable card (4365 xxxx):
Yes. You will need to enter your PIN when making purchases. (Your PIN is NOT the same as your 4 digit authorisation code for logging into our website.) You can reset your PIN on our website at any time.

Each merchant has its own policy about accepting returned items. If a merchant does accept the return of goods purchased with a prepaid card, then the merchant can process a negative transaction so the spending power of the card is restored. However such credits are not immediate – please check your transaction history on www.universalgiftcard.com.au

Please see the terms and conditions on www.universalgiftcard.com.au

Like all payment cards, prepaid cards should be safeguarded, treated like cash. However Corporate Prepaid Cardss are more secure than cash, because your signature (or a PIN for reloadable cards) is required for a purchase. And if your card is lost or stolen, you can report its loss so it can be disabled and replaced, unlike many store cards.

We adhere to the National Privacy Principles. We will not disclose your personal details to anyone except for the purpose of operating these prepaid card programs, or as required by law. All data transmitted via the internet is encrypted.