These terms and conditions are applicable to all recipients and beneficiaries of the Kudos to You, Kudosh reward card.

Your Card
1.1 Your card has an expiry date printed on the front of it. Your card is valid until the last day of the
month shown, unless it is closed at your request or the Card Purchaser, or by us if an incidence of fraud has been detected relating to your card.
1.2 Only the person whose signature is on the card will be able to use it.
1.3 Sign your card in ink as soon as you receive it in the space provided on the back of the card.
1.4 Your card can only be used in the Republic of South Africa.
1.5 Your card will not have a personal identification number (PIN).
1.6 You will not be sent any correspondence or statements, therefore, for balance enquiries , log onto www.whatsonmykudoshcard.co.za
1.7 Kudos to You will always be the owner of the card.
1.8 You are responsible for the safety of your card. Should your card be damaged, lost or copied, we will not be liable.

Loading your Card
2.1. Your card will be loaded with a Rand amount as determined by the Card Purchaser.
2.2. Your card may be reloaded by the Card Purchaser at any time before the expiry date of your card.
2.3. The balance available on your card may not exceed R5 000 (five thousand rand) at any given time.

Using your Card
3.1. You may use your card to pay for goods and services at suppliers where MasterCard is accepted. You will not be able to use your card to pay for goods or services over the telephone or Internet, pay toll-fees or for parking.
3.2. You cannot withdraw cash, your card cannot be used for any transactions at an ATM or at a bank teller. It can only be used at in-store electronic terminals in the Republic of South Africa, where MasterCard is accepted.
3.3. When you use your card to pay for goods or services you must sign a transaction slip.
3.4. Kudos to You will process the transaction against your available card balance. You will be able to shop at as many merchants as you wish up to the value on your card.
3.5. All transactions will be authorised by Kudos to You against funds in your card.
3.6. Merchants are responsible for transactions and are independent of the Card Purchaser, Kudos to You and Standard Bank. The Card Purchaser, Kudos to You and Standard Bank, are not liable if the merchant does not accept your card or if you have complaints about goods or services paid for with your card.
3.7. Kudos to You is not responsible for any loss arising from any failure or malfunction of electronic facilities, delays in points-of-sale devices or Kudos to You's supporting or shared networks, where applicable, resulting from circumstances beyond Kudos to You's reasonable control.
3.8. No warranties, purchase protection, insurance, other promises or services are provided.
3.9. Once you have paid for a purchase, you cannot stop the transaction.
3.10. You are responsible for keeping track of the transactions on your card to ensure that you do not exceed your card balance.
3.11. Balance enquiries can be made by sending an SMS with the last 8 digits of your card number to 00000, by logging onto www.whatsonmykudoshcard.co.za or by calling 011 244 2121 (this is a 24 hour service) or 011 557 5717 Monday to Friday between 09h00 17h00.

Fees and Interest
4.1. You will not be charged fees on any purchases made using your card.
4.2. You will not be paid any interest on the funds in your card.

Closing your Card
5.1. Kudos to You may choose to revoke your card at any time to protect the interests of Kudos to You. If your card is revoked for reasons other than fraud or unlawful use, any credit remaining on the card will be refunded to the Card Purchaser.
Lost or Stolen Cards
6.1. You are responsible for the safekeeping of your card. Your card is the same as having cash in your pocket. If you lose your card or if it is stolen and used by someone else, you will lose all the funds in your card.
6.2. Number to call to stop a lost or stolen card ??
Replacement Cards
7.1 Kudos to You can stop and replace the card at the request of the Card Purchaser. Kudos to You will deduct a fee of R 120 + VAT from existing card funds for the replacement card and for the transfer of funds. If there are insufficient funds to cover the replacement fee and the minimum load of fifty rand (R50) the card will not be replaced.