The Good Card Program T&C’s


Effective from July 1 2017

The Good Card Program Terms and Conditions

The promoter and manager of The Good Card Program is The Good Card Pty Limited ABN 21 609 762 601.

The Good Card Program enables cardholders to earn cash rebates (cashback) when using their Good Card Visa Prepaid Card, or Co-Branded variation, at participating merchants and businesses. In general, cardholders are able to nominate the percentage of any rebates earned that will be either credited to the cardholder’s Visa Prepaid Card or paid to the cardholder’s nominated charities or not for profit organisations. With Co-Branded cards, a predetermined percentage of any earned rebates are automatically allocated to the brands fundraising with the cardholder managing the remaining percentage as stated above.

The aim of The Program is to improve charitable giving and local community spirit by encouraging residents of various localities to “shop local”, earn rewards and provide benefits to third party beneficiaries. Please read our Terms and Conditions carefully to ensure you fully understand how The Good Program works for you.


Section I. Rebates

  1. The Good Card Program (The Program) enables the owner (also known as Cardholder or Member) of any of The Programs Visa Prepaid Cards (The Card/Members Card) to earn rebates, also referred to as cashback, whenever The Card is used to pay for goods and services at The Programs Participating Businesses (also known as Rewards Partner)
  2. rebates are cash payments made to The Cardholder and/or The Cardholders chosen beneficiaries, by The Good Card Pty Limited (TGC), on behalf of The Programs Reward Partners
  3. Members may only choose beneficiaries who are Registered Beneficiaries with TGC
  4. they are calculated on a predetermined percentage of a total purchase value on a successful transaction from our Reward Partners (inclusive of any taxes, including any GST, included on the transaction) when payment is made with The Members Card
  5. they can be passed on to TGC Registered Beneficiaries of the Member’s choice by TGC should the Member choose to share them
  6. in the case of some Members Cards, a predetermined percentage of any generated cash back can be automatically allocated to single TGC Beneficiary with the Member managing the remaining percentage as per Point 2 of this section
  7. TGC retains 30% of any rebate value that is generated as a means to fund the operating costs of the The Program with the aim of reducing this to 20% or less

  8. For example
    TGC Member has chosen to split and share their rebates the following way:

    20% for themselves
    40% for the local footy club
    40% for the local school

    The Member then uses their Members Card to pay for goods worth $100.00 from a participating merchant or business offering 10% cash back on the total purchase value.

    $100.00 is immediately deducted from the current balance of the Members Visa Prepaid Card to pay for the goods ($100.00)
    TGC Member is immediately entitled to an $7.00 rebate ($10.00 less TGC’s 30%), which TGC will collect and allocate as per the Members current allocations:

    $1.40 for themselves
    $2.80 for the local footy club
    $2.80 for the local school


  9. rebates are calculated post purchase and accrued on a daily basis
  10. rebates retained by the Member are converted into Australian dollars and loaded onto their Members Card by TGC on or near the first Tuesday of each month provided that an amount of $5 or more has been accrued
  11. rebates allocated to the Member’s nominated beneficiaries are reconciled and held on behalf of the beneficiary by TGC
  12. rebates allocated to Registered Beneficiaries are converted into Australian dollars and deposited into the beneficiary’s nominated trading account by TGC on a quarterly basis or when the total rebate value has reached $500.00
  13. the rebate value associated with any TGC Rewards Partner will NOT be included in any refund arrangement with TGC Reward Partners unless stated otherwise by the TGC Reward Partner
  14. TGC reserves the right to adjust (retrospectively or otherwise) Cashback at its absolute discretion in the event of incorrect calculating and/or crediting of Cashback whether due to its own error or for any other reason.

Section II. Member Requirements and Obligations

Membership to The Program is achieved upon submitting a successful application for The Good Card Visa Prepaid Card from The Good Card website, www.thegoodcard.com.au.

By becoming or continuing to be a Member, you acknowledge and agree:

  1. to providing your correct personal details when applying for the TGC Members Card
  2. to pay an annual membership fee, currently $AU12.00, which may be waived from time to time by TGC
  3. that the rebates you have earned through spending with TGC Reward Partners will be calculated on a daily basis
  4. that your rebates will be allocated daily in accordance with your current instructions to TGC
  5. that your pending rebates will be fulfilled, and distributed as per the above Section 1. Rebates, points 6, 7 and 8
  6. that the rebate value associated with any TGC Rewards Partner will NOT be included in any refund arrangement with TGC Reward Partners unless stated otherwise by the TGC Reward Partners
  7. that your Good Card Visa Prepaid Card may also be credited with Bonus Cashback as a result of promotional or incentive programs offered by TGC from time to time.
  8. that you will not load a value that is less than $AU20.00 onto your Members Visa Prepaid Card
  9. that you will not load a single value that is greater than $AU999.00 onto your Members Card
  10. that you will not exceed a balance value of $AU999.00 on your Members Visa Prepaid Card
  11. that you will not attempt ATM cash withdrawals
  12. that you will not attempt point-of-sale cash withdrawals
  13. to contact The Good Card help desk, 1300 10 30 79, or email help.desk@thegoodcard.com.au should you have any issues or concerns relating to The Program in terms of rebate calculation or distribution or if you have a general complaint or dispute
  14. that you have read The Good Card Visa Prepaid Card Conditions of Use

Section III. Reward Partner Requirements and Obligations

Application to becoming a Good Card Program Rewards Partner is achieved upon submitting a successful application via The Good Card website, www.thegoodcard.com.au.

By becoming or continuing to be a Rewards Partner, you acknowledge and agree to:

  1. provide the correct Merchant details to enable The Good Card to fulfil their obligations
  2. immediately notify TGC of any changes to Merchant details that would affect TGC’s capacity to fulfil its obligations and commitments
  3. provide a Members rebate of no less than 3% of the total purchase value on a successful transaction (inclusive of any taxes, including GST, included on the transaction) made by TGC Members through their Members Visa Prepaid Card, to be paid in Australian dollars to TGC in accordance with point 6 below
  4. that Members can request that TGC pass on their rebate with Registered Beneficiaries of their choice
  5. either authorising TGC, via our Direct Debit Partner, PayAdvantage, to debit your nominated business trading account on a monthly basis (or as required) the total value of funds required to fulfil your participation as a TGC Rewards Partner, or prepaying such funds to the minimum value of $50 which will be drawn upon as required
  6. ensure appropriate funds are available in your nominated business trading account to honour TGC Member rebates
  7. provide TGC a minimum of 60 days notice should you wish to discontinue being a TGC Reward Partner
  8. grant TGC permission, in its effort to create a richer user experience for all TGC user groups (Members, Reward Partners, Beneficiaries) to use and incorporate key branding material (brand name, logo, trade marks etcetera) into their marketing material, program delivery channels including websites, blogs etcetera.
  9. contact The Good Card help desk, 1300 10 30 79, or email help.desk@thegoodcard.com.au should you have any issues or concerns relating to The Good Card Program in terms of rebate calculation or distribution, or if you have a general complaint or dispute. 

Section IV. Beneficiary Requirements and Obligations

Application to becoming a Good Card Program Beneficiary is achieved upon submitting a successful application via The Good Card website, www.thegoodcard.com.au.

By becoming or continuing to be a Registered Beneficiary, you acknowledge and agree to:

  1. becoming/providing a Project Champion who is to be TGC’s primary point-of-contact
  2. provide details of the community-group or not for profit project that you wish to raise funds for, including amount required if applicable
  3. if applicable, id verification of the Project Champion
  4. provide confirmation of your not for profit or charity status
  5. provide community-group or not for profit entity details including peak body registration details if applicable
  6. provide community-group or not for profit banking details including bank account name, BSB and Account numbers
  7. provide a copy of a blank cheque (should the community-group or not for profit have such a facility) if banking verification is required
  8. grant TGC permission, in its effort to create a richer user experience for all TGC user groups (Members, Reward Partners, Beneficiaries) to use and incorporate key branding material (brand name, logo, trade marks etcetera) into their marketing material, program delivery channels including websites, blogs etcetera.
  9. contact The Good Card help desk, 1300 10 30 79, or email help.desk@thegoodcard.com.au should you have any issues or concerns relating to The Good Card Program in terms of rebate calculation or distribution, or if you have a general complaint or dispute.

Section V. The Good Card Obligations and Commitments

  1. to diligently and transparently manage The Good Card Program
  2. to keep all TGC user groups (Members, Reward Partners, Beneficiaries) abreast of all pending and fulfilled rebates
  3. to calculate all rebates on a daily basis
  4. to process all pending rebates on the first Tuesday of each month
  5. to ensure that all information made available to TGC user groups is correct and up to-date, in accordance with these Terms and Conditions.
  6. to work with all TGC user groups (Members, Reward Partners, Beneficiaries) in an open and transparent way as the means by which to resolve potential issues

Section VI. The Good Card Visa Prepaid Card Issuer

  1. The issuer of the Good Card Visa Prepaid Card is Indue Ltd ABN 97 087 822 464 (Indue).
  2. Indue is not the provider of The Good Card Program and plays no role in managing it or providing any services in relation to it.
  3. Indue does not hold any funds in relation to The Good Card Program or any rebates or rewards issued under it.
  4. TGC is not acting on behalf of Indue in relation to The Good Card Program or its operation.
  5. Any queries in relation to The Good Card Program should be referred to TGC

Section VII. General

  1. The following are defined terms are used in these Terms and Conditions:
    • TGC Member or Member is an individual that, through obtaining The Good Card Visa Prepaid Card, has gained access to The Good Card Program
    • Reward Partner is business who has offered TGC Members a rebate which is calculated on a predetermined percentage of total value spent by a TGC Member with them
    • Registered Beneficiary is a community group or registered charity or NGO that has been granted access to The Good Card for purposes of receiving shared rebates as a means by which to generate additional revenue which is utilised independently of TGC and in a way as the Beneficiary sees fit
    • Merchant is a category of Reward Partners that typically operates from within bricks and mortar stores and/or online stores
    • Purchase Value is the total value of a successful transaction (inclusive of any taxes, including any GST, included on the transaction) made from a Good Card Visa Prepaid Card at point-of-sale terminal to which Cashback is earned
  2. Privacy– TGC does not hold any Good Card Visa Prepaid Card numbers to operate The Good Card Program. TGC does, however, store limited personal information of Members, Reward Partners and Beneficiaries to manage the Program. These details may be shared, from time to time, with parties who provide TGC with the financial product services that are made available to you to participate in The Good Card Program. For full details on TGC’s privacy policy visit www.thegoodcard.com.au/privacy
  3. Suspension or termination – TGC will at all times work towards resolving any Member, Rewards Partner or Beneficiary concerns or misunderstandings about the Terms and Conditions however we do reserve the rights to suspend or terminate any Member, Participating Business or Beneficiary from participating in The Good Card Program for any unreasonable Member, Rewards Partner or Beneficiary behaviour that contravenes these Terms and Conditions.
  4. Changes to these terms and conditions can be made from time to time by TGC with Members, Reward Partners and Beneficiaries being notified via their respective Good Card Dashboards 30 days minimum prior to any changes. Some changes will also be published directly and be publicly available on The Good Card website www.thegoodcard.com.au
  5. Members, Reward Partners and Beneficiaries are able to access all transactional information, including that associated with earned, provided and received Cashback, by logging into www.thegoodcard.com.au and viewing their statement which can be downloaded as required. Queries and disputes can be directed to The Good Card help desk on 1300 10, 30 70 or by email at help.desk@thegoodcard.com.au
  6. Members, Reward Partners and Beneficiaries should seek their own advice as to the taxation consequences of participation in The Good Card Program. TGC makes no warranties or representations, and provides no advice, on the tax effect of any person’s participation in The Good Card Program.