RateCity.com.au Gift Card Review

RateCity's gift card review

RateCity's 2019 comprehensive gift card review. Compare expiry dates, fees and the nice bits.

Company Expiry Date Fees Notes Nice bits
Home and hardware
Bunnings Unlimited expiry Postage $2.60 for physical cards (e-gift cards are free). If balance below $9.95 change will be given Unlimited expiry. Change given below $9.95. Gift cards can be personalised with a photo.
IKEA 3 years Postage $4.50 for physical cards (e-gift cards are free). Choose any value to add to the card, if buying online Choose any value to add to the gift card
The Good Guys Unlimited expiry Free postage for physical cards. Will honour expired gift cards Unlimited expiry. No fees, old expired gift cards will be honoured.
Tech
Apple store Unlimited expiry None Will honour expired gift cards.Can’t be redeemed at Apple app store or iTunes. Unlimited expiry, will honor expired gift cards
Google Play 5 years None Requires a google payment account to to redeem  
Apple App Store & iTunes Unlimited expiry None Can’t be used at Apple online or retail stores. Unlimited expiry. Often on sale. Can't be used for Apple hardware or accessories.
JB Hi-Fi Unlimited expiry Free postage for physical cards. . Unlimited expiry. No fees, free postage. Old expired gift cards will be honoured.
Department and retail stores
Big W Unlimited expiry Postage $5.50 for physical cards (e-gift cards are free) Choose any value to add to the card Unlimited expiry
Cotton On Unlimited expiry Postage $7 ($0 if value is $60 or over, e-gift cards are free). Can also be redeemed at Cotton Kids, Cotton Body, Factorie, Rubi, Typo and Supre Unlimited expiry. Available to redeem at multiple stores. Afterpay available to buy gift card
David Jones 3 years Postage $5.00 (e-gift cards are free). Not available to redeem at Sephora in any David Jones store  
Jay Jays 3 years Postage $3.99 (e-gift cards are free). Choose any value to add to the card  
Just Jeans 3 years Postage $3.99 (e-gift cards are free).    
Kmart 4 years Postage $5.50 (e-gift cards are free).    
Myer 3 years Postage $4.95 (e-gift cards are free). Available to regift digital gift card. Available to regift digital gift card.
Peter Alexander 3 years Postage $3.99 (e-gift cards are free).    
Portmans 3 years Postage $3.99 (e-gift cards are free).    
Smiggle 3 years Postage $3.99 (e-gift cards are free).    
Sportsgirl NSW and SA 3 years

Other states 1 year

Postage is $6 (free over $50). No e-gift card option. 12 months expiry in some states. Not available to redeem online, Afterpay available
Sussan NSW and SA 3 years

Other states 1 year

Free postage for physical cards. No e-gift card option. 12 months expiry in some states. Not available to redeem online. Afterpay available
Target 4 years Postage $5.50 (e-gift cards are free). Shipping fee charged  
Food and groceries
Aldi Unlimited expiry None Can only be purchased and redeemed in store Unlimited expiry
Coles 4 years Postage $5.50, e-gift cards free. Can't be redeemed at Coles Online, Coles Express or Liquorland.  
Woolworths Unlimited expiry Postage $5.50, e-gift cards free. Some Woolworths gift vouchers can't be used at BWS, Dan Murphy's and Caltex. Unlimited expiry.
Hello Fresh N/A N/A Gift card option turns into a Christmas delivery at checkout  
Youfoodz 3 years None Not available to redeem in all regions.  
Money
Westfield 3 years $2.95 service fee plus $2.95 delivery fee (no e-gift card option) Eftpos card. Some old stock may still quote a fee of $5.95. Only accepted by places that offer eftpos. Fees have been reduced since last year.
Aus Post Mastercard gift card 3 years $5.95 purchase fee Only buy in store. Load value on each card can only be of $50, $100, $200 and $500 denominations.  
Giftstore.com.au 3 years $9.05 postage and handling, $2.48 credit card service fee, $1.15 GST (total $12.68) Visa card. Activitate in 3 months or card may be cancelled. Website still says 1 year expiry but it is 3 years nation wide.  
Coles Mastercard gift card 3 years $5.00 purchase fee In store only  
Travel
Flight Centre 3 years Postage $7.50 (e-gift cards are free). High postage fee  
Jetstar 3 years Postage $6.50 (e-gift cards are free). Payment accepted by PayPal only. Can't be redeemed for Jetstar Holiday products. Must have a PayPal account to purchase, can't be redeemed for Jetstar Holiday products.
Qantas 3 years None Can be purchased using Qantas rewards points. A service fee applies to redemptions through Qantas Telephone Sales. Can be transferred to any name, can be purchased using Qantas points. Vouchers received as marketing promotions only have 6 months validity.
Virgin 3 years Processing fees from $2.75 if bought online. Available to purchase online or at Woolworths, Coles and Big W.  
Entertainment
EB Games Unlimited expiry Free postage for physical cards. Can be redeemed in stores across Australia and New Zealand. Unlimited expiry
Event Cinema 3 years Postage $6 (e-gift cards are free). Booking fees may apply.  
Hoyts 3 years Postage $4 (e-gift cards are free). Can be redeemed for movie tickets, LUX tickets, bar items, candy bar items and even merchandise  
Village Cinema 3 years Postage $9.70 (e-gift cards are free). High postage fee for physical gift card.  
Netflix Unlimited expiry None Can be bought from a variety of stores including Target, Woolworths, Coles and Australia Post. Can be added to existing Netflix subscriptions or used on a new one. Unlimited expiry
Stan 3 years None Can be bought from Stan and a variety of department stores.  
Spotify Unlimited expiry for digital gift cards, 3 years for physical cards None Recipient can receive gift card via email or SMS. Unlimited expiry when purchased via Prezzee app
Other
Endota Spa 3 years Postage $8.50 (e-gift cards are free). Cancellations within 24 hours of appointment may result in a cancellation fee being charged. High fees.
Ultimate Gift Card for Him 3 years Postage $5.25 if buying online. Can be redeemed at BCF, Supercheap Auto, Drummond Golf, Barbeques Galore and Rebel Sport. Cannot be redeemed online Can be used at multiple stores.
Ultimate Gift Card for Her 3 years Postage $5.25 if buying online. Can be redeemed at David Jones, Lorna Jane, Bras N Things, Seed Heritage. Cannot be redeemed online Can be used at multiple stores.
Ultimate kids Gift Card 3 years Postage $5.25 if buying online. Can be redeemed at Rebel Sport, Australian Geographic, Dymocks, JB Hi-Fi, Toyworld, Timezone, Zone Bowling, Kingpin Bowling or Cotton On Kids store. Cannot be redeemed online Can be used at multiple stores.

Note: data is correct as at 3 December 2019, and is subject to change.

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Learn more about bank accounts

Can I link a bank account to Paypal?

Paypal is a safe and convenient way to pay online without the need to share your financial details. You can send and receive money or accept credit and debit cards as a seller using Paypal.

It’s easy to link your bank account to a Paypal account and start making transactions within minutes.

To start, you first need a Paypal account (it’s free to join). When setting up your Paypal account, you will be prompted to link a credit card or bank account (or both if you wish).

PayPal works without a balance; you can use Paypal to shop or send money when your balance is zero.

When your Paypal balance is zero, Paypal will ask you to choose your preferred payment method at the checkout.

This could be either your linked bank account or credit card. Your bank details can be updated if you change banks or credit cards.

Do you need a bank account to sell on eBay?

You don’t need a bank account to sell on eBay. But if you don’t have a bank account, you must provide either a credit card or debit card.

What do I need to open bank accounts online?

Opening a bank account online is a simple process and only takes between five to 10 minutes to complete. To get started you will need a computer or smartphone with internet access.

Information to have available when you’re ready to apply is:

  • Identification (such as driver’s licence, birth certificate, passport, proof-of-age card)
  • Tax file number
  • Residential address, email and a contact number

In some cases, you might be asked to provide employment details. If you’re not able to verify your identity online, most financial institutions let you provide this in the branch at a later date.

There are some types of bank account that you can apply for only in a branch. However, most bank accounts can be applied for conveniently online.

Do you need a bank account to get a credit card?

To get a credit card, you need to show proof of income, which will almost certainly require you to have a bank account.

Can you get a payday loan without a bank account?

Yes. Some payday lenders are willing to transfer loans to prepaid debit cards instead of bank accounts.

Can I start a bank account online?

Yes, most lenders that operate in Australia will let you set up a bank account online. The process is usually simple and takes five to 10 minutes. You will probably need to provide a passport or birth certificate, as well as a driver’s licence, Medicare card or another form of secondary identification. Requirements differ from lender to lender, so some institutions might ask for more or different forms of ID.

How do I open a bank account for a baby?

If you’ve just welcome a new baby into the world, congratulations. Opening a bank account for your child can be a wonderful first gift.

Before you can open your child an account, you’ll need to have a birth certificate or passport for your baby.

As the parent or guardian, you’ll also be listed as a joint holder on the account. This means you’ll need to have proof of your identification and address (a driver’s licence, passport, birth certificate or Medicare Card).

Many banks and credit unions offer baby banks accounts. Usually, you can apply online; otherwise you can head into a local branch or office with your documents.

How do you set up a bank account online?

Once you’ve compared bank accounts and found the right one, the process of opening a bank account online is quite simple and can be done in around 10 minutes.

To set up a bank account online, you’ll need to prove your identity and provide an approved form of ID as well as your tax file number (TFN).

If you’re a new customer of the bank, you’ll need to verify your identity and potentially upload documents before you can complete your online application.

Once your ID has been verified and you’ve set up your bank account online, you should receive your bank cards in the mail along with your PIN and any other account details.

Can I set up a bank account online?

Most Australia-based lenders will allow you to set up a bank account online. Requirements vary from lender to lender, but you will probably need to provide a passport or birth certificate, as well as a driver’s licence, Medicare card or another form of secondary ID.

How do you open a bank account in Australia?

Opening a bank account in Australia is usually a straightforward process. Some banks give you the option of opening an account online, while others require you to visit a branch.

Different bank accounts offer different features, so it’s best to compare your options to find one that suits you.

All banks require you to pass an identity check to open a bank account. Australia uses the 100-point identification system, which means you’ll need to show a number of forms of ID that, together, add up to 100 points.

Common ID types include a driver’s licence, passport, Australian visa in a foreign passport, and Australian Medicare card. You’ll find out what types of ID are accepted when you go through the sign-up process online or at a branch.

Once your account is open, you’ll be given or sent a debit card that you can use to make purchases and withdraw money from your account.

How long does it take to open a bank account?

The length of time it takes to open a bank account varies, depending on whether you want to open it online or in person.

Online

Most banks and credit unions have simple online applications that usually take no more than 10 minutes to fill out. It can be especially fast if you have your identification documents like your driver’s licence and passport handy. Sometimes you will instantly be approved and the bank account opened. However, depending on the financial institution, it may take a day or so to be processed and your account number issued. Your account information and ATM or debit card will then be mailed to you, which usually takes between five to 10 days.

In person

If you decide to go into a branch or office to open a bank account, it may take about half an hour. Make sure you bring your identification documents with you. Also book an appointment if you can, otherwise you might be forced to wait in line. Sometimes your ATM or debit card will be issued on the spot, otherwise you’ll need to wait for one to arrive by mail, which usually takes between five to 10 days.

How can I check my bank account balance online?

Checking your bank account balance online is a simple process. Once you’ve logged in to your online banking, clock on the relevant account and the balance should be visible.

How do I close my bank account online?

You can usually easily open a bank account online, but you often can’t close it online.

Many banks and credit unions will only let you close an account if you go into a branch or call them on the phone.

However, some banks will let you request to close the account via your internet banking. Check your financial provider’s website for details.

Just remember: If you still have funds in the bank account, transfer them to another account, or withdraw the cash. Also, if you have any payments like direct debits going in or out of the bank account, these will also stop when you close your account.

How can I find bank accounts in my name?

To find ‘live’ bank accounts in your name, you’ll have to ask individual lenders, which involves contacting them one by one and proving your identity each time. To find ‘unclaimed’ bank accounts (those that have been inactive for at least seven years), you can use this website.