Visa Gift Card Terms & Conditions

IMPORTANT: KEEP YOUR VISA CARD SECURE. LOST OR STOLEN VISA CARDS MAY NOT BE REPLACED OR REFUNDED. If your Visa Card is lost or stolen, we may be able to stop your Visa Card value being used, but require the card number, original balance and expiry date.

These Conditions of Use govern the use and operation of your Visa gift card (“Visa Card”). Your Visa Card is issued to you by iGoDirect Group Pty Ltd ABN 17 110 897 320 (“the Distributor”).

By acquiring this Visa Card, you accept these Conditions of Use. If you give this Visa Card to some-one else, you must tell them that by accepting the Visa Card, they will be accepting these Conditions of Use.

In these Conditions of Use, “you” refers to the person who acquires the Visa Card, whether by purchasing the Visa Card or receiving the Visa Card as a gift, and “us”, “we” or “our” refers to Novatti.

The Distributor is the distributor and promoter of your Visa Card. The Distributor is also responsible for providing certain cardholder services to you. These services include providing you with your Visa Card, providing lost and stolen services and assisting you with any enquiries you may have regarding the use of your Visa Card.

After acquiring your Visa Card, you will be required to activate it before being able to use it. To activate your Visa Card you will need to go online at and follow the prompts.

The Card must be activated by the ‘Activation End Date’ printed on the sleeve that contains the card which is mailed to you. To activate the Card you must go online to and enter your details. If the Card is not activated by the ‘Activation End Date’ it will immediately expire and the funds will be forfeited. Once activated, the value on the Card will be available to use within 1 business day. Provided it is activated, the Card is valid to the Expiry Date shown on the front of the Card.

After activation of your Visa Card, your Visa Card can be used to make purchases and payments at Eftpos devices, telephone and online, wherever Visa gift cards are accepted, if sufficient value is stored on your Visa Card.

Your Visa Card cannot be used to withdraw cash at ATMs, redeem cash or be used to make direct debit or recurring or regular installment payments. Such attempted unauthorised use may result in your Visa Card being suspended or cancelled and any remaining value on your Visa Card being forfeited.

Some merchants may choose not to accept your Visa Card. You should always check with the merchant that it will accept your Visa Card before you attempt to purchase any goods or services.

Your Visa Card is not reloadable. This means that additional funds cannot be added onto your Visa Card.

Visa gift cards are not legal tender, credit cards, account cards, debit cards or securities. All Visa gift cards remain the property of Novatti. As at the date of these Conditions of Use, the value stored on your Visa Card will not be protected by any deposit guarantee that is currently offered by the Australian Government.

To redeem value by using your Visa Card:

  • For EFTPOS transactions: swipe the Visa Card through the EFTPOS equipment, select “CREDIT” or “Cr” and then either provide your signature to the merchant or enter your PIN code.
  • For online or telephone transactions: enter or provide your card number, expiry date and the 3 digit code provided to you upon activation of your Visa Card.

Your PIN code can be obtained by referring to scatch panel on reverse of card.

You do not need to use the whole Visa Card value in one transaction.

Before using your Visa Card, check the balance of your Visa Card online at You should ensure there is sufficient value available on your Visa Card for the cost of the purchase plus any fees that may apply (refer to “Fees” section below).

Change will not be given by merchants for purchases using your Visa Card. You cannot make transactions that exceed the available balance of your Visa Card. You must check with the merchant if and how you can make a purchase that exceeds the available balance by paying for the difference using other means.

Merchants may impose their own restrictions on the use of your Visa Card, such as minimum payment amounts.

All transactions conducted overseas will be converted into Australian dollars. Transactions will either be converted directly into Australian dollars or will be first converted from the currency in which the transaction was made into US dollars and then converted to Australian dollars by Visa Worldwide PTE Ltd (“Visa”). The conversion rate used is either:

  • a wholesale market rate selected by Visa from the range of wholesale rates available in wholesale currency markets for the applicable processing date, which may vary from the rate Visa receives; or
  • the government-mandated rate in effect for the applicable processing date.

A Currency Conversion Fee is payable by you when you make a transaction on your Visa Card in a currency other than Australian dollars. A Currency Conversion Fee may also be payable if you make a transaction on your Visa Card in any currency (including AUD) that is processed by a card scheme or financial institution or billed by the merchant outside of Australia. It may not always be clear, particularly when purchasing online, that the merchant, financial institution or card scheme processing is located outside of Australia.

Note: Refunds in currencies other than Australian dollars are converted to Australian dollars as at the date they are processed by Visa using exchange rates determined by them. This may lead to the refund being converted using an exchange rate different from the one used to convert the original purchase. The converted Australian dollar amount appears on your transaction history as the transaction amount.

You must not use your Visa Card for any unlawful purpose, including the purchase of goods or services prohibited by the laws of Australia and/or the laws of the location where the Visa Card is used or where the goods or services are provided. Should your Visa Card be used for unlawful purposes, we may restrict you from accessing any value available on your Visa Card.

The following standard fees and charges apply. You agree to pay to Novatti all fees and charges that are set below. Novatti will deduct these fees and charges from your Visa Card by debiting (deducting) the amount of the fee and charge as specified below. All fees and charges are inclusive of any GST.

If you consider that Novatti has incorrectly charged you a fee or charge, you may dispute this by contacting the Distributor in the first instance. Any incorrectly charged fee or charge will be reversed by Novatti.

Currency Conversion Fee: 3.5% of the total amount of each relevant transaction. This fee includes an amount payable by us to Visa. The fee is a percentage of the converted AUD amount shown on your transaction history, payable and deducted from your Card at the same time you make a transaction using your Card in a currency other than Australian dollars, or you make a transaction using your Card in any currency (including AUD) that is processed by a card scheme or financial institution or billed by the merchant outside of Australia.
Fees and charges cannot be described as exclusive of GST. The below fee should be described as $16.50 (inclusive of GST).

In addition to the above, in the event you are issued a replacement Visa Card, a replacement card fee of $16.50 (inclusive of GST) will be charged by and payable directly to the Distributor. Further details are set out below.

Your Visa Card will expire on the date shown on the front of your Visa Card. On the expiry of your Visa Card, any balance that remains after the expiry date will not be available for use and will be forfeited by you and become the property of the Distributor.

Ensure you keep your Visa Card secure. Anyone holding the Visa Card can use its value to make purchases. You are responsible for all transactions on your Visa Card, except those that are as a result of Novatti or the Distributor’s employees or agent’s fraud or negligence. If your Visa Card is lost or stolen, or you suspect an unauthorised transaction, immediately report this to the Distributor by calling 1800 446 347.

We may (at our discretion) replace a faulty, lost or stolen Visa Card. Any replacement Visa Card will have the same unused value at the time of replacement and expiry date as the original Visa Card. Replacement cards will be charged at a fee of $15 exclusive of any GST. This fee is charged by and payable to the Distributor iGoDirect Group Pty Ltd and not Novatti.

If you have any enquiries or complaints in relation to your Visa Card, you should, in the first instance, contact the Distributor. If you cannot resolve the complaint with the Distributor, you should contact Novatti. The contact details for the Distributor and Novatti are set out below.

We have the ability in certain circumstances to investigate disputed transactions which occur on your Visa Card and attempt to obtain a refund for you. In accordance with the Visa scheme rules, our ability to investigate a disputed transaction on your behalf is limited to the time frames imposed pursuant to the Visa scheme rules. The maximum timeframes vary between 75 days and 120 days so it is important that you notify us as soon as you become aware of a disputed transaction.

Overseas countries should be updated to include the United States, Israel and Spain, in addition to the United Kingdom and the Netherlands.

You acknowledge that information and details relating to use of your Gift Card may be processed in countries outside of Australia. As at the publishing of these Conditions of Use, such countries may include the United Kingdom and the Netherlands. Your use of your Gift Card signifies your agreement to the fact that your card and transaction details may be processed outside Australia.

Novatti may assign its rights or transfer these Conditions of Use to another person where such assignment is to a related party or third party where such third party has similar or more fair dispute resolution procedures than Novatti. If Novatti transfers or assigns the rights under these Conditions of Use, it will provide you with at least 60 days notice on the website These Conditions of Use will apply to the transferee or assignee as if it were named as Novatti.

We may only change, add to or delete the terms and conditions set out in these Conditions of Use if we provide you with at least 60 days notice of the change or variation. Such changes will be published on

If you provide personal information to Novatti, you consent to Novatti disclosing your personal information to third parties that: (a) facilitate transaction investigation and assist with identification of suspicious or fraudulent transactions; (b) are our outsourced service providers (for example, data switches); (c) are regulatory bodies, government agencies, law enforcement bodies and courts; and (d) are participants in the payment system and other financial institutions for the purpose of resolving disputes, errors or other matters arising from your use of your Visa Card.
For details on how you may access and seek correction of any personal information Novatti holds about you, please refer to Novatti’s Privacy Policy available at This contains details on how Novatti deals with any personal information it collects in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. For details on how you may complain about a breach of the Australian Privacy Principles and how Novatti deals with complaints, please refer to the Privacy Policy. If you would like a copy of the Policy to be sent to you, please contact Novatti on the phone number below.



Level 3,

461 Bourke St,

Melbourne Vic 3000


IGoDirect Group

PO Box 1070
South Melbourne
VIC 3205

*Subject to peak periods and program requirements.