FAQS FOR CARDHOLDERS

Prepaid card

Yes, UniCard Mastercard prepaid card is reloadable.

Cardholders can use UniCard Mastercard prepaid cards anywhere in the world where the trademark of Mastercard is displayed.

Applicants must be aged 18 or above with valid identification (HK ID or passports for oversea citizens) and address proof within latest 3 months (bank statement, utility bills, etc.).

If you have any further questions about address proof, please contact our Customer Service hotline at (852)2620 6800.

UniCard Mastercard prepaid card is a reloadable card which has similar functions as other Mastercard cards except credit facility. The cards need to be loaded with funds, and the purchase amount will be deducted directly when making transactions. UniCard Mastercard prepaid cards can be used at any point of sales (POS), online payments and telephone payments, where demonstrates the trademark of Mastercard.

There is no interest accrued to the UniCard Mastercard prepaid card account.

Yes, the validity period of UniCard Mastercard prepaid card is 3-5 years which depends on the card programs you apply, the expiry date is printed on the front of the card. If you actively use the card, a card renewal replacement will occur automatically before expiry. 

You can send us an enquiry through “Contact Us” for further information.



Application

Each applicant can apply for 2 UniCard Mastercard prepaid cards (based on ID number).

If you provide sufficient personal details, it may take 5-7 business days to process your application.

No, you can apply and obtain a UniCard Mastercard prepaid card regardless of your credit rating within TransUnion or bank account balance.

Once you receive your UniCard Mastercard prepaid card, you must sign your name immediately on ‘Authorised signature’ on the back of the card, and then activate your card by following the activation steps within welcome pack. When card activation is done, you can start using your UniCard Mastercard prepaid card.

You may activate your UniCard Mastercard prepaid card through iWallet & UniCard mobile apps by following the activation steps from welcome pack, or contact our customer service hotline at (852)2620 6800 for helps.

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 UniCard Mastercard prepaid cards for security reasons.

The applicants need to provide a valid Identification (HK ID or passports for overseas citizens) and address proof within latest 3 months (bank statement, utility bills, etc.).

If you have any further questions about address proof, please contact our Customer Service hotline at (852)2620 6800.



Card Management

Customized UniCard Mastercard prepaid card supports ATMs withdrawal function, however, some cards are not supported this function which depend on the cards you apply.

You can manage your UniCard Mastercard prepaid card accounts by mobile apps such as UniCard or iWallet, which are available for both iOS and Android Operating Systems. The apps enable cardholders to make fund transfer, as well as check your account balance and transactions.

A reminder: For further assistance of fund transfer via mobile apps, please refer to “Transfer” within FAQs.

There is no minimum balance requirement for UniCard Mastercard prepaid card, however, we suggest you to avoid keeping your UniCard Mastercard prepaid card in zero balance. 



Security

Please contact customer service to replace a new card.

A reminder: You will be charged a card re-issue fee by us.

Each UniCard Mastercard prepaid card is bundled with a PIN number, which is unable to change. If you lost your PIN, you can contact customer service for PIN reset, and you will be charged for handling fee.

While your UniCard Mastercard prepaid card is lost or stolen, you can block the card immediately by using our mobile app, and you may need to contact us to unblock your card once you find it.

The three-digit Secure Code is displayed on the back of the card, which is a safety protocol developed by Mastercard to enhance the security of online payments and works as an additional layer of security.



Top Up

You can still load your funds without using the FPS Addressing Service.

  1. Login to your Internet banking /bank mobile app
  2. Select “Fund Transfer” > “FPS / 轉數快” function
  3. Select receiving bank "UniCard Solution Limited - 934". If you have already set UniCard as default account for receiving funds, you may skip this step
  4. Enter your Full Card Number (16 degits of card number)
  5. Enter the amount for topping-up UniCard MastercardⓇ Prepaid Card
  6. Submit the transaction
  7. Email notification will be sent if top-up is successful

Please note: You have to use your same name bank account to load your funds to your prepaid card.

Immediate top-up UniCard MastercardⓇ Prepaid Card with Proxy ID:

  1. Login to your Internet banking /bank mobile app
  2. Select “Fund Transfer” > “FPS / 轉數快” function
  3. Enter your Proxy ID (registered mobile number or email address)
  4. Select receiving bank "UniCard Solution Limited - 934". If you have already set UniCard as default account for receiving funds, you may skip this step
  5. Enter the amount for topping-up UniCard MastercardⓇ Prepaid Card
  6. Submit the transaction
  7. Email notification will be sent if top-up is successful

Please note: You have to use your same name bank account to load your funds to your prepaid card.

List of banks that support Credit Transfer by Proxy ID to "UniCard Solution Limited - 934"

  • Bank of China (Hong Kong) Limited
  • Bank of Communications (Hong Kong) Limited
  • China Construction Bank (Asia) Corporation Limited
  • Chong Hing Bank Limited
  • Citibank (Hong Kong) Limited
  • Dah Sing Bank Limited
  • Hang Seng Bank Limited
  • Industrial and Commercial Bank of China (Asia) Limited
  • Shanghai Commercial Bank Limited
  • Standard Chartered Bank (Hong Kong) Limited
  • The Bank of East Asia, Limited
  • The Hongkong and Shanghai Banking Corporation Limited

There are few steps to set up:

  1. Login to your UniCard iWallet / Mobile App
  2. Select "FPS Service" > "Addressing Service" on side menu
  3. Choose a Proxy ID (your mobile number and/or email address) to bind to your UniCard MastercardⓇ Prepaid Card
  4. Enter your mobile number or email address. You may choose to set UniCard as default account when receiving funds via this Proxy ID
  5. A one-time verification code will be sent to your registered mobile number or email address. Enter the code to complete verification

Cardholders can top up by cash through MSO shops, bank transfer & FPS.

Please note: You have to use your same name bank account to load your funds to your prepaid card.

 

The maximum loading amount is HKD 75,000, but it might be different depending on co-branding programs.

You may contact our customer support for further information by “Contact Us” or Customer Service hotline at (852)2620 6800.



Transfer

Yes, UniCard offers card-to-card (the same cardholder’s name) transferring service within the same card programs.



Others

Yes, you can use UniCard Mastercard prepaid cards anywhere in the world where the trademark of Mastercard is displayed.

Mastercard is a payment network that process card payments at the merchants, acquirers and issuers with Mastercard brand trademark, which is similar as other payment networks such as Visa, UnionPay, JCB and American Express.

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