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Cardholder Agreement

Last updated: 24 October 2026

This agreement sets out the rules for using your Blonix Circle Visa Platinum card. Please read it before you activate your card. By activating or using the card, you agree to it.

Card issuer: XFERS PTE. LTD. (Singapore, company registration no. 201411660R). If the issuer provides official cardholder terms in the app, those terms apply and take priority over this page.

1. Who this agreement is with

Your card is issued by XFERS PTE. LTD. (Singapore, company registration no. 201411660R) (the “Issuer”) pursuant to a license from Visa. The Blonix Circle program, website and app are operated by Blonix Technologies Limited (the “Program Manager”) on the Issuer’s behalf.

If the Issuer gives you its own cardholder terms in the app or at sign-up, those terms form part of this agreement and take priority if there is any conflict with this page.

2. Key words

  • Card: your Blonix Circle Visa Platinum card, virtual or physical, including any card added to Apple Pay or Google Pay.
  • Balance: the funds available to spend on your card, shown in the app.
  • Transaction: any payment, ATM withdrawal, refund or other use of the card.
  • Fee Schedule: the list of card fees shown in the app and on our website.

3. Eligibility and verification

The card is for individuals aged 18 or over who have passed identity verification with a valid passport. The card is personal to you: only you may use it, and you must not lend, sell or transfer it to anyone else, including through a stockist.

4. Getting, activating and protecting your card

  • Your virtual card is available in the app once your account is approved. Your physical card is delivered to the address you provide and must be activated in the app.
  • Sign the back of your physical card if there is a signature panel, and choose a PIN you do not use elsewhere.
  • Never share your PIN, full card number, expiry date or security code (CVV) with anyone, and never show them in photos or videos. Cover the keypad when entering your PIN.
  • Our staff will never ask you for your PIN or full card details.

5. Funding your card with USDT

You fund your card by sending USDT (Tether) to the deposit details shown in the app. Only send USDT on the network shown for your account; funds sent on another network or in another asset may be lost. Top-ups are credited after the blockchain confirms them. Your available balance is converted for spending at the rate applied at the time of each transaction. Your balance does not earn interest and is not a bank deposit.

6. Using your card

  • You can use your card wherever Visa is accepted, subject to the merchant’s own rules and your balance and limits: in store (chip, PIN or contactless), online, in apps and at ATMs.
  • When you make a payment, the merchant may ask us to hold (authorise) an amount. The final amount may be different and holds are released when the transaction settles or expires.
  • You authorise a transaction when you enter your PIN, tap the card or device, enter card details online, or confirm with Face ID, fingerprint or a one-time code.
  • We may decline a transaction if your balance is too low, if it exceeds your limits, if we suspect fraud, or if card network rules require it.

7. Currency conversion

Transactions in a different currency from your card balance are converted by Visa at its exchange rate on the processing date, plus any foreign-transaction fee shown in the Fee Schedule. Some ATMs and merchants offer to convert the amount for you (“dynamic currency conversion”). That conversion is done by them, not us, and may include their own markup. You can usually choose to be charged in the local currency instead.

8. Fees and limits

The card fees are a one-time US$10 for the virtual card and a one-time US$100 for the physical card. Any other fees, such as ATM, foreign-transaction or card replacement fees, are listed in the Fee Schedule in the app and will be shown before they apply. Spending, ATM and top-up limits are shown in the app and may change based on verification level and risk.

9. Lost or stolen cards and unauthorised transactions

  • If your card or device is lost or stolen, or you think someone knows your card details or PIN, freeze your card in the app immediately and contact us at contact@blonixcircle.com.
  • You will not be responsible for transactions made after you have told us, unless you acted fraudulently.
  • You may be responsible for losses if you acted fraudulently, or deliberately or with gross negligence failed to keep your card, PIN or card details safe, for example by sharing them or showing them in a video.

10. Disputes and refunds

Check your transactions in the app regularly. If you see a transaction you do not recognise or have a problem with a purchase, contact us as soon as possible and in any case within 60 days of the transaction date. We will investigate and, where Visa rules allow, raise a dispute (chargeback) with the merchant’s bank. Refunds from merchants are credited to your card balance when we receive them.

11. Card expiry and replacement

Your card is valid until the expiry date shown on it or in the app. If your account is in good standing we may issue a replacement before it expires. Replacement fees, if any, are shown in the Fee Schedule.

12. Suspension and closing your card

You can close your card at any time in the app or by contacting us. We or the Issuer may suspend or close your card if you break this agreement, for security or legal reasons, or if the card program ends; where possible we will tell you in advance. After closure, and after any pending transactions settle, any remaining eligible balance will be returned to you in a way we agree with you, subject to identity checks.

13. Changes to this agreement

We may change this agreement, for example to reflect changes in law, card network rules or our services. We will give you notice of significant changes in the app or by email before they take effect, unless the change is required immediately by law.

14. Governing law and disputes

This agreement is governed by the laws of the Hong Kong Special Administrative Region. Any dispute, controversy or claim arising out of or relating to this agreement or your card, including their existence, validity, interpretation, performance, breach or termination, shall be referred to and finally resolved by arbitration administered by the Hong Kong International Arbitration Centre (HKIAC) under the HKIAC Administered Arbitration Rules in force when the notice of arbitration is submitted. The seat of arbitration is Hong Kong, there will be one arbitrator, and the arbitration will be conducted in English.

If you are unhappy with our service, please contact us first at contact@blonixcircle.com. If your complaint concerns the Issuer, we will pass it to them, and you may also contact the Issuer directly.

15. Contact us

Blonix Technologies Limited
Rm A, 6/F, Cheong Wah Commercial Building, 900–904 Canton Road, Mong Kok, Kowloon, Hong Kong
Email: contact@blonixcircle.com