Terms and Conditions

This prepaid card is issued by Heritage Bank Limited ABN 32 087 652 024 AFSL/ACL 240984. Heritage Bank deals with any funds loaded onto the card in accordance with its arrangements with Universal Gift Card Pty Ltd ABN 25 092 828 772.


Acceptance of these terms

You signify your acceptance of the Terms and Conditions by signing the back of the card, or by activating or using the card.



Your card must be activated by the date shown on the accompanying letter or it will be cancelled. To activate your card, please visit www.universalgiftcard.com.au and enter the card number and four-digit authentication code which is your birthday in the format ddmm (e.g. if your birthday is 5 March, the code will be 0503). Once the card is activated, the funds will be available within one business day.


Expiry and cancellation

The expiry date is shown on the front of the card. After its expiry, or cancellation for non-activation, any balance will be forfeited and the card will be declined when presented for use.

If your card is reloadable (card numbers beginning with 4365 or 5290) and active, upon expiry any remaining balance is rolled over automatically to your new card. If a reloadable card has had no purchase transactions for twelve months, the card account will be closed and any remaining balance will be forfeited.

No notice will be given of expiry or cancellation.


Your PIN

To make purchases with a reloadable card (card numbers beginning with 4365 or 5290), you need a PIN. When activating your card online, you will be prompted to set a PIN. You can change your PIN online at any time. Your PIN is not the same as your four digit authentication code.

Single-load cards (card numbers beginning with 4249 or 5227) do not have a PIN.


Where you can use the card

The card can be used anywhere a VISA or MasterCard prepaid card is accepted via electronic processing.

If you have a problem with a purchase, you must contact the merchant and not Universal Gift Card. The merchant’s own policies in respect of refunds or returns will apply.

The card cannot be used for mail or telephone orders, for gambling transactions or, with the exclusion of some reloadable cards, at ATMs. 

Universal Gift Card is in no way liable if the card is declined unless as a result of our willful act or omission.


Checking your transaction history and balance

You are responsible for checking your transaction history and balance which you can do at any time by visiting www.universalgiftcard.com.au and entering your card number and your four-digit authentication code (not your PIN). Alternatively, you can phone 1800 174 239 (24/7). Enquiries to the web site are free but a fee will be charged to your card if you speak to a live operator.


No cash advances or refunds

Your card cannot be used for cash advances, cannot be redeemed for cash and you cannot return the card for a refund. The card is not linked to a bank account or any similar account in your name and the balance on the card is not your property.


Lost, stolen or damaged card

The card is to be treated as if it were cash. If your card is lost, stolen or damaged, you must phone 1800 174 239 immediately so that the card can be disabled. We will not reimburse you for any transactions conducted by an unauthorised person prior to your informing us of the card's loss. You will be protected from any subsequent loss if you satisfy certain conditions, further details of which can be found in the Product Disclosure Statement.

Any claim for an apparently fraudulent transaction on a card, must be lodged within 90 days of the date of the disputed transaction. All claims after this date will be denied. 



To the extent permitted by law, we will not be liable to you for any loss or damage (whether direct or consequential), nor be in default under these Terms and Conditions for failure to observe or perform any of our obligations under these Terms and Conditions for any reason or cause. We accept no liability for any failure to authorise a purchase transaction (even if the balance exceeds the purchase amount at the time of the authorisation request) if this results from the application of prudent risk management tools or if the terminal or system was not working properly.

There are other limitations on our liability as set out in the Product Disclosure Statement.



Foreign currency conversion: if you use the card overseas, a foreign currency conversion fee of 3% of the value of the transaction will be charged to the card.

Lost, stolen or damaged card: if the balance on the lost, stolen or damaged card exceeds $15 when you notify us, you may order a replacement card at a cost of $15 which will be charged to the new card.

Calls to the Contact Centre: a fee of $4.40 will be charged to your card if you speak to a live operator. If you access the Interactive Voice Response, the first instance is free and any subsequent access incurs a $1.10 fee which will be charged to your card.

ATM Access fees: reloadable cards with ATM access incur a $2 fee for each withdrawal and a $1 fee for each balance enquiry. There is an additional $1 fee for each withdrawal declined for insufficient funds and for each incorrect PIN attempt.


Privacy and confidentiality

We do not disclose personal details except for the purpose of managing and processing this prepaid card or as required by law. Information may be disclosed to contractors or third party service providers who supply administrative, telecommunications, processing or other services in connection with prepaid cards. Those contractors or third party service providers may be outside Australia and you consent and agree that information may be disclosed to those parties for the purpose of managing and processing this prepaid card.


Changes to Terms and Conditions

We reserve the right to change the Terms and Conditions at any time. Further information can be found in the Product Disclosure Statement provided to the entity funding your card.