1. The iChoose MasterCard Electronic card ("Card") is issued by EZ-Link Pte Ltd ("EZ-Link"), who is licensed by MasterCard International to issue MasterCard cards. EZ-Link has entered into an agreement with MasterCard International where cards bearing the MasterCard logo shall be accepted for payment at all merchants or retail points where MasterCard transactions can be made. iChoose is the programme manager for the Card.
  2. You agree to be bound by these terms & conditions ("Terms") whenever you use the Card. In addition -
    • "You" means the person who the Card was issued to. "Your" has a corresponding meaning; and
    • "EZ-Link" means EZ-Link Pte Ltd and our successors, assignees and authorised agents. "We", "our" and "us" have corresponding meanings.
    • "iChoose" means the programme manager of the iChoose MasterCard Electronic card.
  3. You shall sign the Card on the signature panel on the back of the Card immediately upon receipt, and safeguard the Card.
  4. We shall not be responsible/liable to you for any discrepancy between the signature appearing on the Card and the corresponding sales slip or if for any reason(s) the Card is not accepted. You agree and understand that any discrepancy between the signature appearing on the Card and the corresponding sales slip shall not by itself be a ground for disputing the validity of the sales transaction.
  5. Your Card shall be valid for the period ("Validity Period") stated on the card and shall expire on the first day of the following month indicated on the face of the Card. You agree and understand that the Validity Period may not be extended.
  6. The maximum stored value on the Card is up to Singapore Dollars One Thousand (S$1,000.00) where you have completed such registration requirements as may be determined by us. We shall be under no obligation to accept the registration, and may in our discretion reject any registration application.
  7. All card sales are limited to Singapore residents and delivery to Singapore addresses only.
  8. The stored value on the Card may not be topped-up unless the Card has been designated by us as a reloadable Card, or where you have completed such registration requirements as may be determined by us. We shall be under no obligation to accept the registration, and may in our discretion reject any registration application.
  9. Top-ups shall not be available online channels, kiosk or over-the-counter top-up channels.
  10. You must:
    1. ensure that you have sufficient balance in your Card before use;
    2. keep a secure record of your Card number and the date on which your Card expires;
    3. keep your Card safe and within your possession.
    4. sign and activate your card as soon as you receive it;
    5. always remember to take your Card back after using it; and
    6. provide us with all necessary assistance to recover any unauthorised amount paid from your available balance.
  1. You must not:
    1. allow any other person to use your Card;
    2. give your Card number and details to any unauthorised person;
    3. interfere with the magnetic strip on your Card; or
    4. leave your Card in an unattended wallet, purse or vehicle or anywhere where another person could remove your Card without being noticed.
  2. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card.
  3. You are advised to use up the stored value on your Card before the expiry. If your Card has expired, you must not continue to use it. If there is any unused stored value on your Card when your Card expires, you shall no longer be entitled to use that unused stored value nor shall you be entitled to any refund of the unused stored value.
  4. You are not permitted to terminate your Card account for any reason whatsoever, and you shall not be permitted to any refund in event of any purported termination of your Card account.
  5. If your Card is lost, damaged or defaced, you may apply for a replacement Card from iChoose. A replacement fee determined by iChoose shall be chargeable for the replacement of your damaged Card.
  6. Delivery of replacement Card is limited to Registered Cardholder's address in Singapore.
  7. Fees will be charged by iChoose for some services. Please refer to the relevant Fees & Charges table.
  8. Fees & Charges

CHARGE TABLE - GIFT CARD

Customer Enquiries via Hotline or Website

No charge

Lost or Stolen Card Replacement Fee

$15.00

Monthly Maintenance Fee: Charged on the 1st calendar day of each month commencing from the 7th month from issuance until either your balance is zero or the Card expires

$4.50

Foreign Exchange Fee

3.5%

Cross Border Fee

2.5%

Card Expiry Fee: The Available Balance on the Card at the time of its expiry.

Amount equivalent to the available Balance upon Card expiry.

CHARGE TABLE - RELOADABLE CARD

Customer Enquiries via Hotline or Website

No Charge

Lost or Stolen Card Replacement Fee

$15.00

Foreign Exchange Fee

3.5%

Cross Border Fee

2.5%

Chargeback

$25.00

Card Expiry Fee: The Available Balance on the Card at the time of its expiry.

Amount equivalent to the available Balance upon Card expiry.


  1. When you use the Card outside of Singapore, the Card transaction shall be charged in the currency of the relevant country where the Card is used, and converted into Singapore Dollars at such exchange rate at such time as may be determined by MasterCardĀ®. The conversion rate applied is based on the posting date of the Card transaction to your Card account. We shall charge you the converted amount and an Foreign Exchange Fee. Please refer to the charge table Fees and Charges table.
  2. We may, at any time amend any part of these Terms. We will give notice of any amendment by posting the same at our website at www.ichoosecard.com.sg or through such channels as we may determine in our discretion. Any such amendment shall bind you upon notice or on the date which such amendment takes effect as specified in the notice, whichever is earlier. You shall agree that any notification of amendments as aforementioned shall be sufficient notice for the purpose of this paragraph. Your continued use of the Card after the date of such notification shall constitute an affirmative acknowledgement by you of the amendments and shall be deemed to be your acceptance of such revised Terms.
  3. Our liability for any loss or damage that you may incur arising from the use of the Card shall not exceed Singapore Dollars One Thousand (S$1,000.00) or the actual loss or damage, whichever is the lower.
  4. No failure or delay on our part in exercising any power, right, or remedy under these Terms shall operate as a waiver of such power, right, or remedy.
  5. A person or entity who is not a party to these Terms shall have no right under the Contracts (Rights of Third Parties) Act, chapter 53B of Singapore to enforce any term of these Conditions, regardless of whether such person or entity has been identified by name, as a member of a class or as answering a particular description. For the avoidance of doubt, nothing in this paragraph shall affect the rights of any permitted assignee or transferee of these Terms.
  6. The construction, validity and performance of these Terms shall be governed by and construed in accordance with Singapore law. Each party mentioned herein hereby submits to the non-exclusive jurisdiction of the Singapore courts.




TERMS AND CONDITIONS