Frequently Asked Questions – Using An Eftpos Gift Card

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1. How does my eftpos Gift Card work?
The eftpos gift card works just like your bank card, you simply swipe at the terminal, select savings and key in the PIN as printed on the back of the card. The transaction amount should be the same as or less than the value of the available funds on the card. If the transaction amount is more than the value, see question 9 for how to complete the sale.

2. Where can my eftpos gift card be used?
Quite handily, they can be used wherever eftpos is accepted right across Australia. Unfortunately, it is not possible to use eftpos gift cards outside of Australia. Some retailers, at their discretion, may decline gift cards that are not their own but these are few and far between.

3. How do I know how much money is on my eftpos Gift Card?
To check the balance of your card, you can go to to view the balance online at any time or call our Card Services team on 1800 446 347 Monday to Friday between 9 am and 5 pm AEST/AEDST.

4. What is the expiry period on my card?
Your Expiry Date is printed on the back of your card. However, you must also ACTIVATE YOUR CARD prior to use by visiting Once activated, the card will be ready to use within 1 business day.

If you fail to activate your card prior to the Activation End Date all funds on the card will be forfeited without exception. You can find both the the Activation End Date and Expiry Date (see below for where to locate these dates on a typical card, and a typical card wallet).

Once activated your card can be used until all funds are spent off the card or the card expiry date has passed.

Example typical card*:

*individual cards may vary

Typical card wallet*:

See Question 14 for further information about card expiry.

5. Are there any fees on purchases made with my eftpos Gift Card
None! Activation and balance checks are fee-free and we cover all fees associated with purchases so you can get the most out of your reward amount.

6. Is an eftpos Gift Card a Credit or Debit card?
An eftpos Gift Card is neither a Credit nor a Debit card. Eftpos gift cards are similar to gift vouchers or store cards whereby they are issued with a fixed, pre-paid, stored value amount as determined at the time of purchase. Eftpos gift cards differ from store cards in that they can be used anywhere eftpos is accepted, which is about 650,000 locations across Australia. The value of any purchases made is deducted from the available amount until the card reaches a $0 balance.

7. Can my eftpos Gift Card be used for online purchases?
At this point in time, unfortunately, it is not possible to make online purchases with eftpos gift cards.

8. Can my eftpos gift card go into a negative balance?
No, eftpos gift cards can only be spent up to the value issued on the card. If you try to spend more than the available amount on the card, the transaction will be declined and a fee may be issued. See question 9 for more information on how to use the card on transactions greater than the stored value of the card.

9. What if the purchase transaction is more than the balance of the funds on the card?
If the purchase value is more than the value of the eftpos gift card, you simply need to ask the cashier to split the payment and pay the difference first, either with cash or another card. For example, if your gift card is valued at $50 but you want to use it towards a transaction amount of $70, you would ask to pay the difference ($20) first and then pay the remaining amount ($50) with the eftpos gift card.

10. Can funds be transferred from one card to another?
Funds are fixed to the specified eftpos gift card and cannot be transferred.

11. Can my eftpos Gift Card be used to withdraw cash at an ATM or store?
In short, no. The card can only be used to make a purchase at an eftpos terminal and cannot be used for taking cash out either at an ATM or as an addition to an in-store purchase. For example, if the value of the purchase is $20 and the card is valued at $50, you cannot make the purchase and request the remaining $30 as cash back. Any attempts to withdraw cash will incur a fee.

12. Can more funds be added to my eftpos Gift Card?
No, your eftpos gift card is what’s known as a ‘single load’ card, meaning the card can be loaded once and can only be used while within the expiry dates or until the loaded funds are depleted. See Question 6 for further information.

13. Does my eftpos card have a PIN?
It certainly does. The PIN is printed on the back of the card alongside the card number and the expiry date.

14. What happens when my eftpos Gift Card expires?
The funds on a prepaid eftpos or visa gift card are only valid until the Expiry Date as printed on the back of the card (see below). The card must also be activated before the Activation End Date. Any remaining funds at the time of expiration of either of these dates are forfeited. So we strongly encourage recipients to spend all available funds before expiration.

15. What happens if an eftpos Gift Card is lost or stolen?
If a card is lost or stolen, this should be reported to Card Services on 1800 446 347 as immediately as possible. A replacement card may be reissued but fees and conditions apply.

16. What happens if an item was purchased with my eftpos Gift Card and needs to be returned?
Each merchant will handle returns as per their own policies and may issue a cash refund or store credit. Please be aware that Rewards Come True is not responsible for returns or credits off of purchases.

17. Can my eftpos Gift Card be used at restaurants?
If the restaurant accepts eftpos payments, then the card can absolutely be used there. We’d recommend checking with the restaurant either before being seated or at the time of booking. If the dining bill exceeds the amount on the card, the payment will need to be split (see question 9 for more information). Again, it is a good idea to check with the restaurant if split payment is possible.

18. Can my eftpos Gift Card be used for direct debit bill paying, like a phone or internet bill?
No, eftpos gift cards cannot be used for recurring payments or direct debit bills. However, if it is a once-off payment and is made in person, for example, at the post office, where the store accepts eftpos payments, you may then be able to use the card for this.

19. How do I know where and how to use the eftpos Gift Card I’ve received?
The back of the eftpos gift card (and the gift card wallet if you received one) have information on how to activate and use the card along with information on how to get in touch with us if you require more details.