Prepaid card

The UniCard Prepaid Card is a reloadable prepaid card with similar functions as any other MasterCard cards but without credit facility. In light of this, cards need to be loaded with funds. The value of purchase amount will be deducted directly from the fund that is available in the card. UniCard Prepaid cards can be used at any point of sales (POS), online payments, telephone payment, or any stores, where MasterCard has their services.

There is no interest accrued on the prepaid funds.

Yes, the UniCard Prepaid Card expires after 3 years. If you actively use the card, a card renewal replacement will occur automatically soon after it gets expired. The expiry date is printed in the front of the card.


No. You can apply and obtain a UniCard Prepaid Card regardless of your credit rating or bank account balance.

We cannot provide the time needed for card delivery due to different card distribution methods provided by co-branders.

When you receive your prepaid card, you must sign in the back of the card in the space highlighted ‘Authorised signature’ and then activate your card as per the instructions provided in the welcome pack.

You may activate your card at iWallet, UniCard App, or contact our customer service.

Abide by the rules regulated by Hong Kong Monetary Authority, we ought to let the cardholders to go to the designated store to collect their card for security reasons.

You can send us an enquiry in the Contact Us section on our website or email us at [email protected] for further information.

The applicants need to provide some documents such as a valid Identification (HK ID or passports for overseas citizens) and valid address proof (bank statement, utility bills, etc.).

Card Management

You can manage your card accounts with UniCard or iWallet mobile app that is available on both iOS and Android Operating Systems. The app allows you to make fund transfer, as well as check your balance and transactions.

There is no minimum balance requirement on the UniCard Prepaid Card.


In the event that a card is lost or stolen, you can block the card immediately by using our mobile app. You will need to contact us to unblock your card.

The three-digit Secure code is displayed in the back of the card and next to the signature column. SecureCode is a safety protocol developed by MasterCard to enhance the security of online payments and works as an additional layer of security.

Top Up

Top-up cash through co-brander’s store of your co-branding card, bank transfer, credit card through BEA, EBPP, and Jetco are some of the convenient ways you can load your card.

The maximum loading amount is HKD 75,000, but might be different depends on co-branders.

The amount of the money will arrive in your card as soon as you top up.


You may top up through UniCard App by using credit cards anytime anywhere.

UniCard only offer card-to-card transfers between our co-branders.


You can use your card anywhere in the world where the MasterCard Acceptance Mark is displayed.

Mastercard is one of the payment network that process card payments that use Mastercard brand among merchants, acquirers and issuers similar to other payment networks such as, Visa, Unionpay, JCB and American Express.

The exchange rate is decided and renewed by MasterCard every day.

No, there will not be interests.