Effective 1 May 2017

These terms and conditions set out the terms and conditions for your Australia Post Visa Prepaid Gift Card. It's important you read this document carefully.

The Australia Post Visa Prepaid Gift Card ('Card') is issued by Heritage Bank Limited ABN 32 087 652 024 AFSL 240984 Australian Credit Licence 240984 ('Issuer'). The Issuer can be contacted a