Prepaid Card Terms & Conditions

By accepting, purchasing, signing or using the 33 Finance Mastercard Prepaid Cards, including Personal Cards and Gift Cards (“Prepaid Cards”), you agree to be bound by these Terms and Conditions below. “You” and “your” refer to the person who has purchased and/or used the Prepaid Cards. “We”, “us” and “our” refer to 33 Financial Services Limited.

  • The Prepaid Cards
      • 1.
      • (i) The Gift Card is a disposable card with a pre-determined value of a minimum sum of HKD200 (HKD Card) / USD30 (USD Card) and a maximum of HKD7,500 (HKD Card) / USD1,000 (USD Card). The Gift Card is not reloadable and non-transferable once it is signed.
        (ii) The Personal Card is a reloadable card with a pre-determined minimum sum of HKD500 (HKD Card) / EUR50 (EUR Card) / USD65 (USD Card) / JPY7,500 (JPY Card) and a maximum of HKD75,000 (HKD Card)/ EUR8,500 (EUR Card) / USD9,500 (USD Card) / JPY950,000 (JPY Card). Cash reload can be done instantly in general. Bank transfer reload can normally be done on the same day or the next business day, subject to the actual time the money transfer is credited to our account by the bank. The Personal Card is non-transferable.
      • 2.
      • Each time you use the Prepaid Card for any payment or withdrawal, the amount of each purchase or cash withdrawal with applicable fees and charges will be immediately deducted from the card.
      • 3.
      • The maximum load and reload of Personal Card is HKD75,000 (HKD Card) / EUR8,500 (EUR Card) / USD9,500 (USD Card) / JPY950,000 (JPY Card) per month whereas the maximum total balance at any time for the Personal Card is HKD75,000 (HKD Card) / EUR8,500 (EUR Card) / USD9,500 (USD Card) / JPY950,000 (JPY Card). Each customer can hold a maximum of 2 Personal Cards at a time regardless of the currency. The respective maximum limit for the Cards of each currency type applies and the maximum limit of the 2 Personal Cards in total is HKD150,000. A non-refundable card fee is payable upon purchase of the Prepaid Cards. A reload fee on EUR, USD and JPY Cards applies. A non-HK dollar currency handling fee applies on fund loading and reloading on EUR Card / USD Card / JPY Card. Please refer to the 33 Finance Mastercard Prepaid Card Fees and Charges Table for details.
      • 4.
      • Only Personal Card Cardholder can withdraw cash from ATM machines. The daily limit is HKD40,000 / EUR4,500 (EUR Card) / USD5,000 (USD Card) / JPY500,000 (JPY Card). The minimum and maximum amounts of withdrawal that can be obtained in a single transaction are determined by the settings of the relevant ATM operators.
  • The use of the Prepaid Cards
      • 5.
      • Before using the Prepaid Cards, you must sign on the back of the card and activate the card by calling 33 Financial Services Limited Hong Kong Customer Service Hotline at (852) 3900 9888,login our mobile APP or website at www.33finance.com. Signing on the back of the card is required for the Gift Cards purchased at Convenience Stores.
      • 6.
      • A Personal Identification Number (“PIN”) is imprinted and covered by silver scratch panel at the back of the card. Cardholder must use this PIN to enter the 33 Finance Prepaid Card platform by either calling 33 Financial Services Limited Hong Kong Customer Service Hotline at (852) 3900 9888, login our mobile APP or website at www.33finance.com to change the PIN immediately. It is highly recommended to change the PIN from time to time for your account security.
      • 7.
      • The Prepaid Cards can be used in payment for goods and services at merchants with displaying Mastercard logo or accepting Mastercard for payment, subject to the merchants’ final decision and judgement.
      • 8.
      • At the time of payment, you must present the Prepaid Cards and sign the purchase receipt with the same signature you signed on the back of the Prepaid Cards or pay with Mastercard Contactless Payment (if applicable).
      • 9.
      • Cash withdrawal from an ATM is available on selected Prepaid Cards, provided that customer must input with a correct PIN. A handling fee per transaction will be charged. This charge will be deducted from the Prepaid Card’s remaining balance. Please refer to the 33 Finance Mastercard Prepaid Card Fees and Charges Table for details.
      • 10.
      • Once the available balance in the Gift Card has dropped to zero, the Gift Card is no longer valid. We suggest the Cardholder cut the prepaid card into halves before disposal.
      • 11.
      • Cardholders should understand that using the prepaid card at Petrol Station, Cruises, Car Rental and Hotel Payment as guarantee of payment. An amount will be placed on hold according to the merchant’s estimated bill and the account balance may become temporarily unavailable for usage.
  • Foreign Currency Transactions / Overseas Transactions
    • Foreign Currency Transactions are transactions effected in a currency other than the Card currency, including all local, overseas and online transactions.
    • Overseas Transactions are transactions (including online transactions) incurred outside Hong Kong regardless of the transaction currency. Transaction location is subject to the actual country/territories where the merchant processes the transactions. For enquiries on the actual transaction processing location of the online transactions, please contact the respective merchant.
      • 12.
      • For HKD Card: Foreign Currency Transactions will be converted into the Card Currency at a rate of exchange determined by reference to the exchange rate adopted by Mastercard International on the date of conversion. A transaction which is classified as a Foreign Currency Transaction and/or Overseas Transaction will be charged a handling fee. Please refer to the 33 Finance Mastercard Prepaid Card Fees and Charges Table for details. This is in addition to any transaction levied by Mastercard and will be automatically deducted from the Prepaid Card.
      • 13.
      • For EUR Card / USD Card / JPY Card, Foreign Currency Transactions will be converted into the Card Currency at a rate of exchange determined by reference to the exchange rate adopted by Mastercard International on the date of conversion. There is a handling fee for foreign currency transactions imposed on the transaction amount. This is in addition to any transaction levied by Mastercard and will be automatically deducted from the Prepaid Card. For overseas transactions, a fee will be imposed by Mastercard on the transaction amount which will be deducted from the Prepaid Card. Please refer to the 33 Finance Mastercard Prepaid Card Fees and Charges Table for details.
  • Available Balance Enquiry
      • 14.
      • No card statement will be issued, but cardholder can apply for detailed transaction record. Monthly fee applied. Please refer to the 33 Finance Mastercard Prepaid Card Fees and Charges Table for details.
      • 15.
      • You can check your card’s available balance by calling 33 Financial Services Limited Hong Kong Customer Service Hotline at (852) 3900 9888, login our mobile APP or website at www.33finance.com, no charges will be applied. Alternatively, the card’s available balance can be checked at ATMs with a handling fee imposed for each enquiry and this charge will be deducted from the Prepaid Cards. Please refer to the 33 Finance Mastercard Prepaid Card Fees and Charges Table for details.
      • 16.
      • You can check your transaction history free-of-charge by calling 33 Financial Services Limited Hong Kong Customer Service Hotline at (852) 3900 9888, login our mobile APP or visiting our website at www.33finance.com. You should notify us of any error, omission and/or any transaction not authorized by you within 45 days of the transaction date. If you do not notify us within the specified period, the transactions shown will be considered as correct. We highly recommend Cardholders to check their own transaction records frequently.
  • Loss and Theft of Prepaid Cards
      • 17.
      • Gift Cards will not be replaced or have the remaining balance refunded if it is lost, stolen or captured by an ATM. If a Personal Card is lost or stolen, you will be liable for all the transactions in your Prepaid Card (including cash withdrawals) before we receive report of loss and theft from you.
  • PIN and Card Replacement
      • 18.
      • The PIN will not be re-issued if it is forgotten. The cardholder needs to apply for a replacement card.
      • 19.
      • Replacement of Prepaid Cards will be issued free-of-charge in case of card malfunction which is not caused by you and the defective card is returned to us on or before the card expiry date for cancellation.
      • 20.
      • If the Prepaid Card is damaged due to misuse, a replacement card may be issued upon request provided that the Prepaid Card is returned to us on or before the card expiry date for cancellation. A replacement fee will be deducted from the card. Please refer to the 33 Finance Mastercard Prepaid Card Fees and Charges Table for details.
      • 21.
      • You will be asked to present your proof of identification for the issuance of a replacement card.
      • 22.
      • The replacement card, if issued, will be in the amount of the available balance of the replaced Prepaid Cards in accordance with our record deducts all fees and charges (if any).
      • 23.
      • We reserve the rights to decline the issuance of a replacement card.
  • Card Management Fee
      • 24.
      • For Personal Card, a Card Management Fee per card per month will be charged. This fee will only be imposed starting from the 13th to 24th month after the card is sold. Please refer to the 33 Finance Mastercard Prepaid Card Fees and Charges Table for details.
      • 25.
      • Once the Prepaid Card is expired, an Expired Card Management Fee per card will be charged monthly . The Expired Card Management Fee will be deducted from the remaining balance of the Prepaid Card each month until the card becomes zero balance. Please refer to the 33 Finance Mastercard Prepaid Card Fees and Charges Table for details.
  • Expiry and Transfer
      • 26.
      • The Prepaid Card is valid for 12 months (Gift card) / 24 months (Personal Card) from the date of purchase.
      • 27.
      • The ‘valid thru’ date on the card face, in the format of “Month/Year,” is the validity period of use of that piece of card. The actual expiration calculation of the card is based on the date that the card was purchased when the initial amount is loaded on the card .
      • 28.
      • After the expiry of the Personal Card, you may come to our office or designated agents to change for a new Personal Card with Hong Kong dollar value starting from a minimum of HKD500 (HKD Card) / EUR50 (EUR Card) / USD65 (USD Card) / JPY7,500 (JPY Card). You are then entitled to transfer the remaining balance of the expired Personal Card to the newly purchased card. The expired Personal Card should be returned to us for cancellation. An extension fee will be charged and deducted from the Personal Card remaining balance. Please refer to the 33 Finance Mastercard Prepaid Card Fees and Charges Table for details. You will be asked to provide your proof of identification for such transfer request. Please refer to Clause 32 if you prefer balance redemption instead.
      • 29.
      • We will not accept merchant refund to expired Card, please ensure the refund is done before the Card is expired.
  • Exclusion of Liability
      • 30.
      • We will not be responsible or liable for any refusal by any merchants in accepting the Prepaid Card for the payment of any goods or services purchased. Any dispute relating to any transactions shall be settled directly between you and the merchant. We will not be liable to you in respect of any losses or damages that you or any third party may suffer in connection with or arising from the Prepaid Card.
  • Termination / Redemption
      • 31.
      • We reserve the rights at any time to terminate the use of the Prepaid Cards and /or any services offered or to reject any transaction without giving any prior notice or reason. We shall not be liable for any losses or damages of whatever nature which you may suffer whether directly or indirectly as a result of such termination or disapproval. Upon termination, the Prepaid Card is to be surrendered to us on demand.
      • 32.
      • You are encouraged to spend the remaining balance in your Card before the card expiration date. However, you may terminate the Card services and apply balance redemption at any time. You need to visit our office in person, complete a Redemption Claim Form with identification proof and return your Prepaid Card. Please note that a Redemption Handling Fee will be deducted from the remaining balance prior to cheque issuance. Please refer to the 33 Finance Mastercard Prepaid Card Fees and Charges Table for details. For card with balance below HKD80 (HKD Card) / EUR10 (EUR Card) / USD10 (USD Card) / JPY1,000 (JPY Card), no redemption will be processed. A cheque for the remaining balance will be sent to you within two months after the claim.
    • Personal Data
      • 33.
      • You agree that we can use your personal information in accordance with our policies and practices use and disclosure of personal data as set out in our current Personal Data (Privacy) Ordinance Notification and you have read the notification from our website www.33finance.com.
  • Amendments
      • 34.
      • We reserve the rights to amend these Terms and Conditions at any time with 30 days’ notice. Our website will display the current Terms and Conditions.
      • 35.
      • Retention or use of the Prepaid Cards after such amendments become effective shall constitute your acceptance of such amendments. All matters and disputes will be subject to our final decision.
  • Law and Jurisdiction
      • 36.
      • These Terms and Conditions shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region (“Hong Kong”) and the parties agree to submit to the exclusive jurisdiction of the courts of Hong Kong.
  • General
      • 37.
      • If any of these Terms and Conditions is or becomes illegal, invalid or unenforceable in any respect, the remaining Terms and Conditions shall not be affected thereby.
      • 38.
      • These Terms and Conditions are written in both English and Chinese. If there is any inconsistency or conflict between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

July 2017 (Version 2.11)