Cardholder Visa Terms and Conditions
This Prepaid Visa Gift Card ("Card") is issued by Heritage Bank, a trading name of Heritage and People’s Choice Ltd ABN 11 087 651 125, AFSL and Australian Credit Licence 244310 (“we/us/our”) pursuant to license by Visa. In these conditions 'you' are the Card purchaser or user. EML Payment Solutions Limited (“EML”) ABN 30 131 436 532, AFSL 404131 has developed the Card and authorised Edge Loyalty Systems Pty Ltd ABN 96 138 299 288 (“Edge”), to distribute the Card.
By using the Card, you agree to be bound by these Terms and Conditions. All users of the Card must be provided these conditions.
Activation, Using the Card and Expiration
Your Card is a Visa Prepaid Card that must be activated within the time specified on the correspondence you receive with your card.
To activate the Card you must go online to the website on the back of the card and enter in the card details. Once activated, funds are available by 12 pm the following day.
The Card is valid until the expiry date shown on the front of the card. The Card can be used for purchasing goods and services wherever Visa Prepaid cards are accepted for electronic transactions (excluding transactions at ATMs or over the counter at financial institutions).
A 2.99% foreign exchange conversion fee applies to transactions in any currency other than Australian dollars and is calculated on the Australian dollar transaction amount. This will be included in the total transaction amount debited to the Card.
The card cannot be used after expiry and cannot be replaced. At expiry, the remaining balance will be forfeited. We will not give you any notice before this happens.
To check the card balance, card expiry and full conditions of use, go to the website on the back of the card.
Limitations of the Card
This Card is not reloadable.
The Card is not a credit card and nor is it linked to a deposit account with EML.
The Card cannot be used to make transactions that exceed the available balance. For such a transaction, you need to pay the difference by another method, if the merchant agrees.
The Card cannot be used to obtain or redeem cash and cannot be used for making direct debit, recurring, or regular instalment payments.
Authorisations may be declined at some merchants (such as gambling merchants or merchants who choose not to accept Visa Prepaid cards).
We are not liable in any way if/when a payment authorization is declined for any particular transaction except where the authorisation has been declined because of an act or omission on our part.
The Card is like cash. Therefore, We have no obligation to replace or refund value for misused, lost, stolen or damaged Cards except where we have breached any condition or warranty implied under consumer protection legislation that cannot be excluded in these terms and conditions (for example, warranties as to the exercise of due care and skill in providing services and as to fitness for purpose of materials we provide).
Any replacement gift card will have the same expiry date and unused value. Apply by calling 1300 079 267 (8am-6pm Monday to Friday AEST, 9am-5pm Saturday AEST) .
The card will be void if it is defaced, mutilated, altered or tampered with in any way.
You are responsible for all transactions on the Card, except where there has been fraud or negligence by our staff or agents. If you notice any error relating to the Card, you should notify Edge immediately on 1300 079 267 (8am-6pm Monday to Friday AEST, 9am-5pm Saturday AEST) or alternatively you can send an email to email@example.com.
Any refunds on Card transactions are subject to the policy of the specific merchant.
Refunds may be in the form of a credit to the Card, cash refund or in-store credit. In such circumstances, you must be aware of the expiry date of the Card prior to processing any refund to ensure that no funds are forfeited and deal with the merchant directly to identify an alternative process.
Disputes & Complaints
If you have a problem with a purchase made with the Card, or a dispute with a merchant, you must deal directly with the merchant involved. If you cannot resolve the dispute with the merchant, you can contact Edge immediately on 1300 079 267 (8am-6pm Monday to Friday AEST, 9am-5pm Saturday AEST) or alternatively you can send an email to
If you wish to make a complaint about your Card you can send an email to firstname.lastname@example.org. If you want to escalate your complaint you can do that by sending an email to email@example.com.
The Card remains the property of EML and we may restrict or stop the use of the Card if suspicious activities are noticed. To check full conditions of use go to the website on the back of your card.
You are responsible for checking your transaction history online and knowing your available balance by viewing transaction activity online at the website on the back of your card or by phoning 1300 079 267 (8am-6pm Monday to Friday AEST, 9am-5pm Saturday AEST).
All fees will be deducted directly from the available Card balance.
We reserve the right to change these Terms and Conditions at any time if we consider it is reasonably necessary to protect our legitimate interests. Any changes to the Terms and Conditions can be viewed at the website on the back of your card.