Virtual Only Frequently Asked Questions
Q. How do I activate and add my Insight Direct Rewards Card to my mobile wallet?
A. You can activate your Insight Direct Rewards Card via www.insight-rewards.com in a few simple steps
You can add your Insight Direct Card card via https://card.pluxee.uk/INSSPR in a few simple steps;
Apple
1) Login to your account, select the 'Your Card' option and copy your card details.
2) Add your card details to your mobile wallet - for more info on how to do this, please click here.
3) Your virtual Cashback card is now active and available in your mobile wallet.
4) Use your digital card online or in-store to earn Cashback with our retail partners.
Android
1) Login to your account, select the 'Your Card' option and copy your card details.
2) Add your card details to your mobile wallet - for more info on how to do this, please click here
3) Your virtual Cashback card is now active and available in your mobile wallet.
4) Use your digital card online or in-store to earn Cashback with our retail partners.
Q. Where can I use my card?
A. You may use the Card at any Merchant that displays the Visa Mark, excluding limited acceptance Merchants in EU/EEA that do not accept prepaid cards.
Q. Are there any restrictions on where I can use my card?
A. There are a few card restrictions such as gambling and adult websites - please see the Terms and Conditions for more information.
Q. Can I use it for shopping online?
A. Yes Visa is accepted at most online shopping sites.
Q. Can I spend more than the funds on my card?
A. No, the payment will be rejected if you have insufficient money on your card to pay for the goods.
Q. Will there be a credit check?
A. No, there are no credit checks.
Q. Can I use my card abroad?
A. Yes, you can use your card anywhere that Visa prepaid cards are accepted, however a 2.5% foreign exchange fee will apply.
Q. Can I get my balance when I am out shopping?
A. Our website is mobile responsive, allowing you to log on and check your balance quickly and easily.
Q: What happens if my goods turn up faulty?
A: Under this prepaid card, your purchases are not covered in the event they suffer from breach of contract or misrepresentation of goods. This does not affect your consumer rights.
Q. What do I do if I have a complaint?
A. Complaints regarding any element of the service provided by us should be sent in writing or by email to our Customer Service team. All complaints will be subject to our complaints procedure. We will provide you with a copy of our complaints procedure upon request and, if we receive a complaint from you, a copy of our complaints procedure will automatically be sent to you. If we fail to resolve your complaint to your satisfaction you may refer your complaint to an independent ombudsman by sending a request to the Financial Ombudsman Service (FOS), free of charge. You can find further information by visiting the FOS website https://www.financial-ombudsman.org.uk/consumers/how-to-complain.Details of how to contact the FOS are included in the enclosed leaflet, which can be found here: https://financial-ombudsman.org.uk/business/resolving-complaint/ordering-leaflet/leaflet
Q. My card was declined, what could the problem be?
A. Have you:-
Q. My card expires shortly when will I receive my replacement card?
A. If you are eligible, your new card will appear in your account under ‘Your Card’. Please add your card details to your Apple or Google Pay wallet.
Q. What happens to my funds if I am no longer eligible?
A. As you are no longer a member of the entity that provided your card, once your card expires any unused value will expire too and will no longer be available for you to spend
Q. Can I use my card to withdraw cash?
A. No, your card cannot be used for cash withdrawals at ATMs, foreign currency, cash advances or cash back.
Q. Are there any age restrictions when applying for a card
A. You must be at least 18 to be able to apply for the card. Additional cardholders (if applicable) must be at least 13 and live at the same address.
Manually Keyed and swipe & sign transactions outside the UK
These transactions are currently switched off. You won't be able to make a payment outside the UK that needs to be verified by manually entering the card number, i.e over the phone, or any instore payments where chip and pin is not available.