These are your ME Bank Gift Card Holder Terms and Conditions. Please read them carefully.
Upon receipt of your Card, please activate your card immediately by calling iGODirect on 1800 446 347. iGODirect are the managers of the Gift Card. You will be asked to confirm your first name, surname and address.
In these Terms and Conditions, ”Card" and "Cards" means the ME Bank Gift Card, issued by EMERCHANTS Ltd ABN 30 131 436 532, referred to as "the issuer". "You" and "Your" means the person who has received the Card. "We", "Us" and "Our" means Members Equity Bank Pty Ltd ABN 56 070 887 679.
By accepting and using your Card, you are agreeing to these Terms and Conditions.
The Gift Card is not a credit card; it is a gift card and will be loaded with value only once. EMERCHANTS Ltd reserves the right to issue or refuse to issue or cancel a card at their discretion.
We reserve the right to issue or refuse to issue or cancel a Card at our discretion.
Card Access: The Card is a prepaid Gift Card that can be used at tens of thousands of locations, anywhere EFTPOS cards are accepted at point-of-sale.
Card Limitations: You must have sufficient, available funds to pay for all Card transactions at merchants. If the purchase amount is greater than the available funds, the difference may be paid for with cash, cheque, and credit or debit card, subject to the policy of the merchant. If the merchant attempts to process the Card for more than the available funds, the transaction will be declined and a transaction attempt fee will apply. You may confirm your available balance 24 hours a day, seven days a week by visiting mebank.com.au/rewards and clicking on the “MY ACCOUNT” button on the left hand side of the page, selecting “Check Balance” and following the prompts or by phoning iGODirect on 1800 446 347 (between 9:00am and 5:00pm AEST/AEDST Monday to Friday). You may only use your Card in the manner and for the purposes described in these Terms and Conditions. Your Card may not be used for illegal transactions or for any type of pre-authorised transaction such as recurring monthly payments, dues or fees.
Important things you need to know about your Card:
You MUST activate your Card before use by phoning 1800 446 347.
- If your Card does not have enough funds to pay for the amount of a transaction, your transaction will be declined.
- When making a purchase greater than the face value of the card, alert the cashier to use the following payment method; First: Utilise other form of payment to cover amount greater than what is available on the Card. Second: Cashier to use remaining balance on the Card as the second form of payment.
Documentation of Transactions: At the time of purchase, you will receive a receipt for the transaction. Retain the receipt for your records. You will also have access to your balance and transaction history, which is accessible online - click the “Check Balance” button on the left hand side of the page and follow the prompts to do so.
Disputes with Merchants: You agree to make a good faith effort to settle all disputes about purchases you make using your Card with the merchant who accepted the Card. If receiving a refund for goods or services purchased at a merchant, the refund cannot be loaded to your Gift Card. The refund must be provided in another form of payment as agreed with the merchant.
Disclaimer of Liability: In providing the Card service to you, we disclaim any duty or responsibility other than those expressly set forth in these Terms and Conditions: The issuer is not liable expressly for the following:
- If through no fault of ours, the cardholder does not have enough money on the Card to cover the transaction; or
- If the transaction exceeds the cardholder's available funds; or
- If the terminal or system was not working properly; or
- If circumstances beyond our control (such as flood or fire or other natural disaster) prevent the transaction, despite reasonable precautions that we may have taken; or
- If there are other exceptions stated in these Terms and Conditions or provided by law.
Expiration: Your Card expires on the expiration that appears on the back of the Card, except where prohibited by law. After the Card has expired, it is no longer valid: All transactions will be declined and any remaining balance is forfeited.
Termination: The Card shall remain our property: We may, at any time and without prior notice, cancel your Card and have you return it to us: Termination of the Card will not affect prior transactions or obligations existing at the time of termination. Upon termination, we will waiver the remaining balance.
Amendment: The issuer may amend these Terms and Conditions, and we will notify you by publishing the change on this website, or emailing a notice to you at the most recent email address on our records at least 21 days prior to the effective date of any amendment that results in an increased fee or charge, an increase in your liability, a reduction in Card services, or stricter transaction limitations.
Assignment: You may not transfer or assign your Card rights to any other person. We may assign our obligations to you under these Terms and Conditions without your consent or notice to you.
Severability/No Waiver: If any provision of these Terms and Conditions shall be deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms and Conditions and shall not affect the validity and enforceability of any remaining provisions. Our failure to enforce the strict performance of any provision of these Terms and Conditions will not constitute a waiver of our right to subsequently enforce such provision or any other provisions of these Terms and Conditions.
Governing Law: These Terms and Conditions, the Card and all transactions hereunder are subject to the laws of the Commonwealth of Australia and the Financial Services Acts rules and regulations.
Notice of Errors: If you think a receipt is wrong or you have a question concerning a Card transaction, call iGoDirect on 1800 446 347, as soon as you can. We must hear from you no later than 15 days after the transaction date and you must provide the following information: a) your name and Card number; b) a description of the error or the transaction you are unsure about, and an explanation as to why you believe it is an error or why you need more information; c) the dollar amount of the suspected error. If you tell us verbally, we may require that you send us your complaint or question in writing within 10 business days.
Other important information
- Your Card cannot be used at an ATM or to take cash out at a retailer. If this is attempted, a fee of $1.75 will be deducted from the remaining balance of your Card.
- If the cardholder attempts to make a transaction at an EFTPOS terminal and the transaction is declined due to insufficient funds, a fee of $0.75 will be deducted from the residual value on the Card.
- Any residual value on the Card after expiry will not be refunded to the cardholder or card purchaser.
Card usage fees
| Card usage fees are deducted from the residual value on the card account | Cost |
Balance enquiry via the website |
Nil |
Payment denial fee from EFTPOS terminal for insufficient funds |
$0.75 |
Attempt to take cash out at point of sale or ATM |
$1.75 |
ME Bank is a trademark of Members Equity Bank Pty Ltd ABN 56 070 887 679.
