3% off Activ Visa Life's Necessities Digital Gift Cards ($0 Activation Fee, Maximum $500 per Member) @ HCF Thank You

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ozbglow on 15/10/2023 - 14:40 hcfthankyou.com.au (229 clicks)
Last edited 15/10/2023 - 15:50 by 1 other user

For HCF members.
Save 3% on a pre-paid digital ACTIV LIFE'S NECESSITIES Digital Visa card that can be used instore and online anywhere Visa pre-paid cards are accepted.
This offer is available until 11.59PM 26th of October 2023.
Members can buy up to $500 worth of ACTIV LIFE'S NECESSITIES Digital Visa Card per person.
Supported by all major mobile wallets.
This card can be used in-store (When added to mobile wallet manually) online, over the phone or for mail orders where Visa prepaid is accepted.

Any amount can be specified between $5 and $500.
You can use one of these prepaid Visa cards to buy other discounted egift cards at HCF Thank You rewards.
e.g. spend $94.09 to purchase a $97 prepaid Visa and then use that to purchase a $100 Coles egift card at effectively 5.9% discount instead of the usual 3%.

I didn't try it but you could probably also use it to buy another prepaid Visa gift card at 3% off.
So you could spend $4.85 to buy a $5 visa card and keep recycling it to buy a $19.64 prepaid visa card at effectively 75% discount.
No wonder there's a limit of $500.

Related Stores

HCF

Activ Visa Cards

• 

  puffinfresh on 15/10/2023 - 14:50

  +6

  I've ordered one to test if it can be used to pay the ATO. Will update when it arrives.

  Edit: Nope. Transaction declined.

  • 

    coxymla on 15/10/2023 - 15:10

    +6

    Thank you for your service.

  • 

    Neoika on 15/10/2023 - 15:14

    Activ VISA series can't be used for ATO from release.

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  joeiwu on 15/10/2023 - 15:14

  What are the restrictions exactly on these and what merchants accepts these? Thanks!

  • 

    WookieMonster on 15/10/2023 - 17:02

    +4

    This is functionally no different to an Activ Visa eGift Card sold on Giftz.com.au. It is also functionally no different to an open-loop Activ Visa gift card sold at Woolworths, BIG W, Officeworks, Kmart, Amazon, etc (except for the fact that you do not actually have access to a physical gift card).

    Blackhawk Network enforces some restrictions across standard Activ Visa gift cards (for which you can find on the gift card's terms and conditions):

    • Recurring payments
    • Transactions at Automated Fuel Dispensers (e.g. Costco service stations, unattended Ampol service stations, unattended Shell service stations)
    • Transactions at the ATO
    • Over the counter transactions at financial institutions
    • Transactions at ATMs
    • Gambling transactions
    • Transactions at other merchants selling cash-equivalent products (e.g. money orders, stocks, bonds)
    • Transactions where Blackhawk Network believes you are purchasing a gift card or a voucher from a merchant. I point this out, because Blackhawk Network has been known to enforce spending restrictions on Activ Visa gift cards at merchants designated as a supermarket. This is talked about in more detail here.

    Additionally, a merchant may choose to not accept an Activ Visa gift card (which would be beyond Blackhawk Network's control). For example:

    • Woolworths automatically blocks you from using an Activ Visa gift card to pay for some gift cards in their stores.
    • Woolworths Group blocks you from directly using an Activ Visa gift card on their online gift card portal.
    • Some merchants (e.g. Bupa Life Rewards) block all prepaid cards, which would mean an Activ Visa gift card would not work.
    • Some merchants mandate your Visa card to pass a 3-D Secure check when you are attempting to make an online purchase, which would mean an Activ Visa gift card would not work. The issue is that prepaid Visa gift cards are not able to support 3-D Secure.
    • 

      joeiwu on 15/10/2023 - 20:59

      +1

      Thanks mate, much appreciated for the in depth reply!

• 

  Buyer0fBargains on 15/10/2023 - 16:30

  Anyone know if these are less prone to hacking than the digital Coles Mastercard ones?

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  s0805 on 15/10/2023 - 17:51

  Can I buy these using 'digital Coles Mastercard '. And use these to buy wish gift cards from Woolies….

  • 

    s0805 on 16/10/2023 - 10:34

    edit..re read the @WookieMonster update that woolies gift card portal will not accept this card.

• 

  georgegates5 on 15/10/2023 - 23:38

  Anyone tried to see if this card would work with Brisbane council rates bills , utilities bills (electricity, water) ? Have an upcoming bill due soon.. not sure when the next master/visa promo card will be around soon :(

  • 

    wutang01 on 17/10/2023 - 12:43

    Yep, it worked for me (council)

    Also, if you're a member of Australian Unity it's 4% off on this same card (Activ Visa Life's Necessities Digital).

    • 

      georgegates5 on 17/10/2023 - 23:48

      Thanks!

      Sadly I am not with Australian Unity :(

• 

  oswade on 19/10/2023 - 22:31

  Does the system stop you from buying multiple $500s?

  • 

    WookieMonster on 20/10/2023 - 09:40

    Yes.

    The gift card portal actually stops you from adding multiple $500 gift cards to your cart (or any amount of gift cards that would cause you to exceed the $500 spend limit). If you try to exceed the limit, you will get an error message saying:

    A maximum spend of $500.00 is allowed on LIFE'S NECESSITIES VISA Card in each calendar month. This transaction exceeds that amount and cannot be processed.