Policy

Refunds & replacements

Dead chips are the biggest complaint in this whole category, so this page is deliberately generous about them and honest about everything else.

Replaced free

• The chip does not read on arrival. Every card is tapped with a real phone before it is bagged, so this should not happen, but if it does tell us within seven days and a new one comes out with the same code.
• It arrived cracked or damaged. Same seven days, same free replacement. A photo on WhatsApp is enough, nothing has to be posted back.
• The chip stops working, or the card is damaged in normal use. Covered by the warranty: one year from delivery on the Free plan, for life on Pro. It is replaced with the same code.
• Bought before 1 October 2026? Your card was sold with cover for life, and it keeps it, whichever plan it is on.
• On Pro, one accident a year. If a Pro card is snapped, cracked or run over, one replacement in any twelve months is free, with the same code.
• We printed it wrong. Wrong name, wrong code, wrong anything on our side gets reprinted at our cost.

Replacements go out as soon as we have one made, usually within a week, and your old code keeps working the whole time so nothing breaks while you wait.

Not covered

Saying this plainly is fairer than burying it. A replacement is not free when a card has been drilled, painted over, or left outdoors in the rain. An accident, like a card snapped in half or run over, is not free either, unless the card is on Pro and its one accident for the year has not been used. Anything not covered can still be replaced at cost rather than full price.

Cancelling

• An order. Message us with your order number. Before your card is printed, the order is cancelled and refunded in full. Once it is printed, the refund rules below apply.
• Pro autopay. Cancel it in your UPI app or bank, or message us, and nothing more is charged. Pro stays on until the end of the period you paid for, then your card moves to the Free plan. It keeps working, and changing where it points stays free.

Refunds

• Before your card is printed, a full refund, no questions.
• After it is printed but before delivery, a refund less what the printing actually cost, which is told to you before you decide.
• After delivery, only where a card is faulty and cannot be replaced. Since a card is printed with a code tied to one buyer it cannot be resold to anyone else, which is why a change of mind after delivery cannot be refunded. It is a real constraint and not a policy chosen to be difficult.

A refund that is due is sent back the same way it was paid, inside seven working days of it being agreed. Nothing is deducted as a handling or cancellation fee.

Your rights either way

Nothing on this page takes away what you are entitled to under the Consumer Protection Act 2019. Where that Act gives you more than this page does, it wins.

How to start one

Message the number below with your card code, which is printed on the front, and what went wrong. A photo helps and is usually all that is needed.

You get an acknowledgement within forty eight hours and it is settled within one month at the outside, as the Consumer Protection (E-Commerce) Rules 2020 require.

Last updated 6 October 2026.