You can use your Card:
- or Card Details anywhere in the world where MasterCard is accepted, including in person, online or by telephone, and
- at any ATM where MasterCard is accepted.
You must not allow your Card to be used by any other person.
In addition, you must not use your Card:
- after the expiry date printed on your Card
- when the Card is suspended or cancelled
- after you have requested closure of your Account or you have been notified that your Account is being closed in accordance with your Account terms and conditions, or
- for the purpose of conducting business transactions or unlawful activities (including, without limitation, the purchase of goods or services prohibited by laws applicable in your jurisdiction).
If your Card has expired or has been cancelled or if your Account is closed for any reason, you must destroy your Card by cutting it into pieces, ensuring that you cut across the chip and any magnetic strip on the Card.
Merchants and other financial institutions may impose fees and charges for your use of the Card.
Using your card in person
You can use your Card at merchants located in Australia by swiping or inserting the Card into an EFT terminal and selecting 'savings', 'EFTPOS savings', 'credit', 'MasterCard Debit' or 'CR'. You may also be required to enter your PIN.
At some merchants you may have the convenience of getting cash out of your Account at the same time you make a purchase transaction. To do so you will be required to select 'savings' or 'EFTPOS savings'.
You can use your Card at merchants overseas by swiping or inserting the card into an EFT terminal and selecting 'MasterCard Debit', 'credit' or 'CR'. You may also be required to enter your PIN or the merchant may require you to sign a transaction voucher.
Before entering your PIN or signing a transaction voucher you should check that the details of the transaction are correct.
At merchants with an EFT terminal that accepts contactless payments, you can make purchases of $100 or less by tapping your Card on the EFT terminal without entering your PIN or signing to complete the transaction.
For purchases over $100, you may still use contactless payments, however you will be required to enter your PIN.
Before tapping your Card on the EFT terminal you should make sure the correct transaction details are displayed on the EFT terminal.
Even if the merchant accepts contactless payments, you may still choose to swipe or insert your Card in the terminal and enter your PIN or sign to authorise the transaction rather than using the contactless functionality.
Using your card online or by telephone
You can also use the Card online or by telephone by providing your Card Details to the merchant.
Using your Card at an ATM
At any ATM where MasterCard is accepted, subject to the functionality of the ATM, you can use your Card in combination with your PIN to obtain cash and check the balance of your Account.
When using a rediATM, you will not be charged for the use of the ATM. For other ATMs, the ATM provider may charge you a fee for using this service. In Australia, the amount of the fee will be disclosed to you before you make a withdrawal or check your balance.
We may charge a fee if you make a cash withdrawal at an ATM overseas.
For further details regarding ATM fees, refer to section 4.
International transactions on your Card
An international transaction means any transaction made using a Card:
- in a currency other than Australian dollars with a merchant or financial institution located in Australia, or
- in Australian dollars or any other currency with a merchant or financial institution located outside Australia.
An international transaction in a currency other than Australian dollars will be converted by MasterCard to Australian dollars. Unless the foreign currency transaction is in United States dollars, the foreign currency may be converted to United States dollars before being converted to Australian dollars. The exchange rate used for conversion is either a government mandated exchange rate or a wholesale exchange rate selected by MasterCard for the applicable currency on the day the transaction is processed. That rate may differ from the rate on the date the transaction occurred, or the date when the transaction is posted to your Account.
All international transactions in a currency other than Australian dollars will be listed on your statement in Australian dollars with the corresponding foreign currency amount included in the transaction details.
Fees apply to certain international transactions. For further details regarding international transaction fees, refer to section 4.
MasterCard SecureCode is an enhanced security measure that is in place for your protection and ours. You will be automatically registered for MasterCard SecureCode based on information provided when you apply for an Account. MasterCard SecureCode uses information about you to confirm your identity in connection with an online transaction using your Card. You may be required to answer security questions when making a transaction at a participating online merchant.
Protection of MasterCard SecureCode
You must not do anything which may:
- damage, interfere with or disrupt MasterCard SecureCode or the way it is provided to other clients
- contravene the laws of any country, or
- breach any rules established by MasterCard for the operation of MasterCard SecureCode.
Card acceptance and our liability for goods or services purchased
To the extent permitted by law:
- we do not accept responsibility for the actions of a merchant or financial institution who refuses to accept your Card or who imposes limits or conditions on the use of your Card, and
- we will not be liable for goods or services supplied as a result of the use of your Card or Card Details. You must take up any complaints or concerns directly with the merchant. Any refund is a matter between you and the merchant.
You acknowledge MasterCard promotional material displayed on the premises or the electronic equipment of merchants or financial institutions is not a warranty by us that your Card will be accepted by those merchants or financial institutions.
Recurring Card transactions
If you provide a merchant with your Card Details, that merchant may be able to perform recurring transactions on your Card. We cannot stop a merchant from making recurring transactions with your Card Details.
If you wish to stop a merchant from making recurring transactions using your Card Details you should contact the merchant directly. If the merchant does not comply with your request, you must provide us with a copy of any correspondence between you and the merchant so that we can dispute the relevant transactions on your behalf.
Authorising Card transactions
Some Card transactions will need to be authorised by us before they can proceed. Some examples include if you use your Card Details to purchase goods or services over the phone or if you use your Card at an EFT terminal and select ‘credit’. The purpose of the authorisation is to confirm that there are sufficient available funds in your Account before the transaction proceeds.
Some merchants may require pre-authorisation of an amount which includes contingent charges or an anticipated service charge. Merchants that may do this include hotels, restaurants and car rental providers where a service is booked in advance. The pre-authorised amount will be debited to your Account once the pre-authorisation is processed and this will reduce your available funds.
When the actual transaction relating to the pre-authorised amount is processed, this amount will be reconciled with the pre-authorised amount debited to your Account and the balance of your Account will be adjusted accordingly.
If the actual transaction amount is less than the pre-authorised amount or if the pre-authorised transaction never occurs, the balance of your Account may not be adjusted to reflect the correct position for a number of days after the transaction date.
We may decline to authorise a transaction if you have insufficient available funds in your Account or if there is another good reason for doing so (including for example, we reasonably suspect that the transaction is fraudulent).