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  • Replacement Cards

    • ARTICLE 19

      A replacement Credit or Charge Card with a new validity period may be issued by a Card Issuer to a Cardholder in the following scenarios:

      a.The card has been reported as lost, stolen or damaged.   
      b.The card has been invalidated on suspicion of a fraud or suspicious transaction.
             		  
      c.The validity period of the card is due to expire, and the replacement card is of the same type as the Credit or Charge Card so replaced.
             		  
      d. Any other technical reasons including systems and technology enhancements.
             		  
      e The account is not delinquent.
             		  
      f A Co-branded card, affinity card or private label card has terminated and a replacement card is issued according to the provisions of the original card Agreement between the Card Issuer and the Cardholder.
             		  
      g.New or updated requirements and Regulations.
             		  

      The Card holder has the right to accept or reject the replacement card. A Cardholder shall be deemed to have given their consent if they:

      1. do not express an objection to the notices referred to in the preceding paragraph within 2 weeks from the issuance of such notices, or
      2. activates the replacement Credit or Charge Card.

    • ARTICLE 20

      A replacement card shall be treated as being of the same kind as the Credit or Charge Card being replaced including the:

      • Type of card
      • Terms of use
      • Branding

      Any fees and Terms Cost relating to the original card held by the Cardholder will apply to the replacement card. The only exception will be where the Cardholder has applied for and activated an upgraded Card, which may have different terms and conditions, including pricing and other features.