Terms & Conditions

By accepting, purchasing, signing or using the Personal Cards and Gift Cards, you agree to be bound by these Terms and Conditions contained herein. “You” and “your” refer to the person who has received and/or authorized use of the Prepaid Cards. “We”, “us” and “our” refer to 33 Financial Services Limited. “M/C” refers to MasterCard International.

  • The 373 Prepaid Cards
      • 1.
      • (i) The Gift Card is a disposable card with a pre-determined Hong Kong dollar value of a minimum sum of HK$200 and a maximum of HK$5,000. 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 Hong Kong dollar value of a minimum sum of HK$500 / EUR€50 ( for Euro Card only ) and a maximum of HK$75,000 / EUR€7500 ( for Euro Card only ). The Prepaid Card is not transferable once it is signed.
      • 2.
      • We will set up an account for each issued 373 Prepaid Card. Each time you use the 373 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 account.
      • 3.
      • The maximum load and reload of 373 Prepaid Card is HK$75,000 / EUR€7500 ( for Euro Card only ) per month and the maximum total balance at any time for the Personal Card is HK$75,000 / EUR€7500 ( for Euro Card only ). A HK$30 / EUR€4 ( for Euro Card only ) non-refundable card fee is payable upon purchase of the 373 Prepaid Cards .
      • 4.
      • Only Personal Card Cardholder can withdraw cash from ATM machines, the daily limit is HK$40,000 / EUR€4000 ( for Euro Card only ). Most ATM operators limited the minimum and maximum amounts of withdrawal that can be obtained in a single transaction.
  • The use of the 373 Prepaid Cards
      • 5.
      • Before using the 373 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.
      • 6.
      • A Identification Number (“PIN”) is imprinted and covered by silver scratch panel at the back of the card, It is highly recommended to change the PIN from time to time for your account security 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.
      • 7.
      • The 373 Prepaid Cards can be used in payment for goods and / or services at merchants with displaying MasterCard (MC) logo or accepting MasterCard for payment, subject to the merchants’ final decision and judgement.
      • 8.
      • You must present the 373 Prepaid Cards and enter your 6-digit PIN at the time of payment and sign the purchase receipt with the same signature you signed on the back of the 373 Prepaid Cards.
      • 9.
      • Cash withdrawal from an ATM is available on selected 373 Prepaid Cards, provided that customer must input with a correct PIN. A handling fee of 1% or a minimum of HK$20 / EUR€3 ( for Euro Card only ) per transaction will be charged, this charge will be deducted from the 373 Prepaid Cards remaining balance.
      • 10.
      • Once the available balance in the Gift Card account has dropped to zero, the Gift Card is no longer valid and is disposable.
      • 11.
      • Cardholders should understand that using the prepaid card at Petrol Station, Cruises, Car Rental and Hotel Payment as guarantee of payment, merchants many estimate the final bill and this amount will be place on hold by the merchant and become temporarily unavailable.
  • Foreign Currency Transactions
      • 12.
      • Transactions which are effected in a currency other than Hong Kong dollars will be converted into Hong Kong dollars at a rate of exchange determined by reference to the exchange rate adopted by MasterCard International on the date of conversion.
      • 13.
      • There is a 1.8% handing fee for overseas purchase imposed on the amount transacted outside Hong Kong. This is in addition to any transaction levy by MasterCard and will be automatically deducted from the Prepaid Card account.
  • Available Balance Enquiry
      • 14.
      • No statement of account will be issued, but cardholder can apply for detail transaction record, HK50 / EUR€6 ( for Euro Card only ) per month.
      • 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 cards’ available balance can be checked at ATMs where a HK$5 / EUR€1 ( for Euro Card only ) handling fee will impose afterwards for each enquiry and this charge will be deducted from the 373 Prepaid Cards account. We reserve the right to vary the fees / charges from time to time without prior notice. Our website will display the current fee schedule.
      • 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.
  • Loss and Theft of Gift Card
      • 17.
      • Gift Cards will not be replaced or have the remaining balance refunded if it is lost, stolen or if an ATM does not return it.
  • PIN and Card Replacement
      • 18.
      • No reissue of PIN will be taken place in the event of PIN forgotten.
      • 19.
      • Replacement of 373 Prepaid Cards will be issued free-of-charge in the case that the card malfunctions, provided that the malfunction was not caused by you and that the defective card is returned to us for cancellation.
      • 20.
      • If the 373 Prepaid Cards is damaged due to misuse, a replacement card may be issued upon request provided that the 373 Prepaid Cards is returned to us for cancellation. A replacement fee of HK$80 / EUR€8 ( for Euro Card only ) is automatically deducted from the account. (Effective Oct 1, 2016)
      • 21.
      • You will be asked to present your proof of identification for the issue of a replacement card.
      • 22.
      • The replacement card, if issued, will be in the amount of the available balance of the replaced 373 Prepaid Cards in accordance with our record deducts all fees and charges (if any).
      • 23.
      • We reserve the rights to decline the issue of a replacement card.
  • Account Management Fee
      • 24.
      • For Personal Card, an Account Management Fee of HK$10 / EUR€1 ( for Euro Card only ) per account per month will be charged. This fee only imposed starting from the 13th to 24th month after the card is sold.
      • 25.
      • Once the card is expired, an Expired Card Account Management Fee of HK$50 / EUR€5 ( for Euro Card only ) per account per month will be charged to Personal Card from 25th month and Gift Card from 13th month respectively ( Effective Oct 1, 2016 ). The Expired Card Account Management Fee will be deducted from the remaining balance of the Prepaid Card each month until the account becomes 0 balance.
  • 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 expiration date on the card face is in the format of “month/Year”. The actual expiration calculation is based on the date of the card was purchased.
      • 28.
      • In the 3-month leading up to the expiry date of the Personal Card, you may come to one of our branches or designated agents to purchase a new Personal Card with Hong Kong dollar value starting from a minimum of HK$500 / EUR€50 ( for Euro Card only ), you are then entitled to transfer the remaining balance of the expiring Personal Card to the newly purchased card, the combined value in the account should not exceed HK$75,000 / EUR€7500 ( for Euro Card only ) per card, the expired Personal Card should be returned to us for cancellation. An extension fee of HK$80 / EUR€8 ( for Euro Card only ) will be charged, this is deducted from the Personal Card remaining balance ( Effective Oct 1, 2016 ) . You will be asked to provide your proof of identification for such transfer request.
      • 29.
      • We will not accept merchant refund to invalid Personal Card, please ensure the refund is done within Card validated period.
  • 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 transaction 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 373 Prepaid Cards and/or any services offered or to reject any transaction without giving any prior notice or reason and 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 373 Prepaid Cards is to be surrendered to us on demand.
      • 32.
      • You are encouraged to spend the remaining balance in your Account before 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 and complete a Redemption Claim Form with identification proof. Please note that a Redemption Handling Fee HK$80 / EUR€8 ( for Euro Card only ) will be deducted from the remaining balance prior to cheque issuance. For account with balance below HK$80 / EUR€8 ( for Euro Card only ), no redemption will be processed ( Effective Oct 1, 2016 ). 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 without prior notice. The website will display the current Terms and Conditions.
      • 35.
      • Retention or use of the 373 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.

Sep 2016 (Version 2.8)