Frequently Asked Questions

What is a Visa Gift Card?
The Visa Gift Card is a prepaid card that can be used wherever Visa cards are accepted and processed electronically.* The Visa Gift Card carries the Visa logo like any Visa card, but because it is a prepaid card, spending is limited to the amount of money placed on the Visa Gift Card at the time of purchase. The Visa Gift Card cannot be reloaded with additional funds. [back to top]

Where can I use my Only 1 Visa Gift Card?
You can use your Only 1 Visa Gift Card wherever Prepaid Visa cards are accepted. You can use it to make online purchases, at more than one merchant and to make purchases outside of Australia (purchases made in foreign currency are subject to a Currency Conversion Fee of 3.5%).
You cannot use your Visa Gift Card:
  • at an ATM for any purpose to withdraw cash or for cash equivalent transactions
  • anywhere there is no electronic processing capability
  • for recurring payments, direct debits or instalments
  • at gambling merchants
  • at merchants displaying the Visa logo who choose not to accept prepaid Visa Gift Cards. [back to top]

How do I use it?
The amount of every purchase you make will automatically be deducted from the value on the card. You should select the “credit” option when making a purchase at any merchant with a keypad. The Visa Gift Card cannot be reloaded with additional funds. Spending is limited to the amount of money placed on the Visa Gift Card at the time of purchase. [back to top]

How much does it cost to buy a Visa Gift Card?
Cards with values of $50 and $100 have a purchase fee of $5.95. The variable load and $200 Cards have a purchase fee of $7.95. [back to top]

How can I check the balance on my Visa Gift Card?
There are two ways you can keep track of your balance:
  • 1. visit Checking the balance or viewing the transaction history online is available at no cost.
  • OR
  • 2. Call 1800 178 743
    • To check the balance via the automatic phone service menu. A $1.00 fee applies per call.
    • To speak to a customer service operator.A $3.00 fee applies per call.
These phone service charges are deducted directly from the available Visa Gift Card balance. [back to top]

What if I want to buy something that costs more than the value of the Visa Gift Card?
If your purchase is greater than the value of the gift card, tell the cashier you would like to pay the difference first and then use your gift card to pay the remaining balance. The value of your Visa Gift Card can be combined with cash when you are making a purchase. At the option of each merchant, the value of your Visa Gift Card may also be combined with a credit or debit card, or check when you are making a purchase. If you don’t tell the cashier you would like to use two forms of payment and then try to make a purchase for more than the amount on the Visa Gift Card, the transaction will be declined because you don’t have enough money on your Visa Gift Card. [back to top]

Can I add more money to the Visa Gift Card?
No, this Visa Gift Card is not reloadable and it has no ATM or PIN functionality. [back to top]

Can the Visa Gift Card be replaced if lost or stolen?
Visa Gift Cards should be treated like cash and will not be replaced if lost or stolen. [back to top]

How long can I use the Visa Gift Card?
Your Visa Gift Card expires on the date printed on the front of the card or when the remaining value reaches $0. When your Visa Gift Card expires, the card account will be closed and any unused balance will be forfeited. When the balance reaches zero, or it expires, the Visa Gift Card should be destroyed by cutting it diagonally in half. [back to top]

Who can buy or receive a Visa Gift Card?
Purchasing a Visa Gift Card does not require an application or credit check. You simply need to be able to pay for the value of the card and the purchase fee. Visa Gift Card users should sign their name on the back of the Visa Gift Card, if able to do so, as well as at the point-of-sale on a purchase receipt. If a Visa Gift Card user is unable to sign the Card or purchase receipt, then any other acceptable methods of may be used. [back to top]

Why was a transaction declined?
There are a few reasons why a transaction might be declined:
  • The Visa Gift Card has not been 'activated'
  • The transaction value is greater than the available balance on your Visa Gift Card. It is best to always be aware of your Visa Gift Card balance by visiting
  • The merchant has elected not to accept this method of payment.
  • Tolerance factors authorise for an amount more than the balance on the Visa Gift Card. Using your card in some merchants example, restaurants may apply a tolerance factor or up to 20% to cover incidentals i.e. tips.
  • Your Visa Gift Card has been suspended or closed (due to suspected fraudulent use)
  • The Visa Gift Card is damaged
  • The Visa Gift Card has expired [back to top]

Can I use my Visa Gift Card at restaurants or other service industries when I have enough money left on my gift card to cover the bill for food or service?
Some restaurants and other service-oriented merchants may factor in an additional 20% (or more) to cover any tip you may leave on the purchase. If this occurs, and your total bill, after adding the additional 20% (or more) exceeds the amount available on the Visa Gift Card, it will be declined. Accordingly, you may want to ensure that your Visa Gift Card has an available balance that is 20% (or more) greater than your total bill prior to use. Similarly, some hotels may choose to factor in additional amounts upon check-in, and it may take up to thirty days after your stay to have any excess amounts held by the hotel added back to your available balance. [back to top]

Can I use the Only 1 Visa Gift Card overseas?
Yes. A Currency Conversion fee of 3.5% applies for foreign currency transactions. [back to top]

What happens if I need to return something I purchased with my Visa Gift Card?
Keep your Visa Gift Card in case you need to return merchandise for credit. Merchandise return and refund policies vary by merchant. If a credit is issued to the cardholder, the credit may not be added to the available funds for up to seven business days. [back to top]