Virtual Payment
Card Terms

Who can receive a card

These terms apply when a housing provider arranges and funds a virtual payment card for a named recipient through Housing Perks. The programme is available only to authorised recipients aged 18 or over and is not open to the general public. The housing provider and card provider may verify your eligibility and payment before you can access the card. A card displayed in the app does not guarantee payment until those checks are complete. The programme is unavailable where prohibited by law.

Who decides the value and restrictions

Your housing provider decides whether you qualify, when the payment becomes available, its value and any permitted spending categories. You cannot change those decisions or add money to a provider-issued card unless the terms shown for that card expressly allow it. The card cannot be sold, transferred or exchanged for cash. Contact your housing provider if you think your eligibility, value or permitted use is wrong.

If the intended card or payment option is unavailable, the housing provider may offer a substitute, subject to the programme rules and applicable law. If an error displays or allocates more value than intended, the housing provider may correct it in accordance with those rules and the law. You are responsible for any tax that the law requires you to report or pay on the payment.

Claiming and using the card

Sign in to the Housing Perks app, open your wallet and follow the prompts to claim the card. Check its available value, permitted uses, expiry date and any fees or other restrictions shown for it. Use the card only for eligible online or telephone purchases with merchants that accept it. A transaction may be declined if it exceeds the available value or falls outside the restrictions set for the card.

Changes to the programme

The housing provider may change, limit, suspend or end its card programme or an available payment option, subject to applicable law and any notice requirements in the cardholder agreement. Any unused value or card closure is dealt with under the applicable programme rules and cardholder agreement.

Who can buy a card

These terms apply when you buy a virtual payment card for your own use through the Housing Perks app. You are the purchaser and intended cardholder. You must meet the eligibility and identity checks presented during purchase. A housing provider does not choose or fund a card you buy for yourself.

Choosing and paying for a card

Before you confirm a purchase, review the card value, total price, any fees, permitted uses, expiry information and other conditions shown at checkout. The choices available may vary by card. Your purchase is subject to payment being accepted and any required checks being completed; an attempted payment alone does not mean that a card has been issued.

Review the purchase terms shown at checkout for information about price, payment, cancellation and refunds. Your statutory rights still apply. If you have paid but the card does not appear in the app, contact Housing Perks support through the app with your purchase details.

Using a card you bought

Once issued, check the card details in the app and use it for eligible online or telephone purchases with merchants that accept it. The card cannot be sold, transferred or exchanged for cash. It cannot be reloaded unless the terms for that card expressly allow it. A merchant may decline a transaction, including where the balance is insufficient or the purchase falls outside the card's permitted uses.

Review the cardholder agreement for information about the card balance, expiry, applicable fees, transaction disputes and what happens to unused value. Contact Housing Perks support through the app if you have a question about the purchase; report an unauthorised or incorrect card transaction using the process in the cardholder agreement as soon as possible.

Card provider and related documents

Housing Perks makes virtual cards available through its mobile app. MyPaymentVault/Onbe and the relevant card issuer provide the card service. Review the cardholder agreement, programme-specific disclosures and provider privacy notice presented for your card. If you buy a card for yourself, review the purchase information shown at checkout. This page covers virtual cards only.

Keeping your card secure

Keep your card details and the device used to access them secure. Do not share the card or let anyone else use it. Tell Housing Perks support through the app promptly if you believe the details have been lost, stolen, exposed or used without your permission. The cardholder agreement explains how to report unauthorised transactions and what rights and time limits apply.

Do not try to access another person's card or account, misrepresent your identity, use a card for an unlawful purpose or interfere with the systems used to provide it. A card may be verified, restricted, deactivated or declined because of fraud or suspected fraud, a security concern, unlawful use, a breach of programme rules or a legal requirement.

Privacy and responsibility

Personal information used to arrange and provide a card is handled as described in the Housing Perks mobile app privacy notice and the card provider's applicable privacy notice. Card availability and transactions may be affected by merchant acceptance, network or technical failures and restrictions in the cardholder agreement. Housing Perks is responsible for the services it provides through the app; the card provider is responsible for its card services under its agreement.

Nothing on this page excludes or restricts any liability that cannot lawfully be excluded or restricted, or any rights you have under applicable consumer or payment services law.

What you may receive

If you consent to electronic communications for your virtual card, Housing Perks and the card provider may give you purchase confirmations, card-related agreements and changes, disclosures, privacy notices, transaction information, responses to claims, and notices about your card or its balance electronically where the law permits. These communications relate to the virtual card and its account.

How communications are delivered

Card communications may be made available in the Housing Perks app or sent to the email address you provide. Keep your email address and other contact details accurate and up to date in the app, or contact Housing Perks support through the app if you cannot update them. Check the app and your email regularly so that you do not miss important card information.

Access and copies

You need a device that can run the Housing Perks app, an internet connection, access to your email, and a way to save or print communications for your records. We will tell you if these requirements change substantially. You can save or print an electronic communication and can ask Housing Perks support through the app for a paper copy at no charge.

Withdrawing consent

You can withdraw your consent to electronic card communications by contacting Housing Perks support through the app. Housing Perks will direct the request to the card provider. Because electronic delivery is part of this card programme, withdrawing consent may mean that the provider closes the card account or ends your participation; any unused value will be dealt with under the cardholder agreement. Withdrawal does not affect communications already provided electronically.

Consent and changes

When you are asked to agree to electronic communications as part of claiming or buying a card, selecting the agreement control records your consent. Electronic communications can be kept as a written record. The card provider may change or stop electronic delivery and will give any notice required by law or its cardholder agreement.