Multicurrency MasterCard

Thomas Cook Borderless Prepaid CardTM

User Guide, Application Form and Terms
and Conditions Brochure

EVERYTHING YOU NEED

TO KNOW ABOUT:
-

 SING YOUR CARD OVERSEAS

U
MANAGING YOUR CARD
TOPPING UP YOUR FUNDS
2
FEES AND LIMITS
TERMS AND CONDITIONS

ERASE BOUNDARIES.
TRAVEL SMOOTH.

Welcome to the new Multicurrency

MasterCard Thomas Cook Borderless
Prepaid Card (later referred to as the
Thomas Cook Borderless Prepaid
Card or Card), the chip and PIN
protected prepaid foreign exchange
travel card. Carry the world in your
wallet as you can now load up to eight
Currencies onto a single Card.

SIMPLY PREPAY
AND GO!
You can use the Card to pay
for goods and services in
shops, restaurants, hotels
and online, or to withdraw
Local Currency from ATMs
worldwide# anywhere
you see the MasterCard
Acceptance Mark. Load it with
US Dollars, British Pounds,
Euros, Canadian Dollars,
Australian Dollars, Japanese
Yen, Singapore Dollars and
Swiss Francs, in whatever
combination suits you.

Use unspent funds on your

next trip, withdraw the funds
at an ATM abroad, or cash
out your Card*

With chip and PIN protection

and Global Assistance for
peace of mind, the Thomas
Cook Borderless Prepaid Card
may be the only travel card
youll ever need.

Top up your Card as many

times as you like@

Look forward to a whole

world of great benefits:
Simple
Withdraw Local Currency
at 1.9 million MasterCard
ATMs worldwide#
Accepted at 31.4 million
MasterCard merchants
worldwide#, with no
transaction fee##
2

Manage your Card online

Smart
Smartly manages funds on
your Card**
Load up to eight currencies
onto a single Card
Avoid currency fluctuations by
loading funds in advance@

Reload at any branch of

Thomas Cook in India or its
Agent where you purchased
the Card
Secure
Chip and PIN protected
Not linked to your
bank account
24/7 Global Assistance
Backup Card available*
Free replacement of lost
or stolen Cards

# Due to FEMA regulations, the Thomas Cook Borderless Prepaid Card cannot be used at ATMs or merchants
in India, Nepal and Bhutan, or for internet purchases where the website is registered in India, Nepal or Bhutan,
or at websites accepting payment in Indian Rupees or the currencies of Nepal and Bhutan. In addition, the
Card is also unable to be used in countries subject to economic sanctions, including: Cuba, Iran, Myanmar
(Burma), North Korea, Sudan and Syria. The list of sanctioned countries is subject to change from time to time.
## Some ATM operators or merchants may charge a(n) (additional) transaction fee or set their own limits.
Please confirm whether any fees or limits apply, before making a withdrawal or purchase.
* Subject to Terms & Conditions. Standard fees apply - see Table of Fees and Limits.
** Refer to clause 3.5 in the Terms and Conditions.
@
Until Card expiry and subject to reload limits (see Table of Fees and Limits). Limits are subject to FEMA
regulations and to surrender restrictions, imposed by The Reserve Bank of India from time to time.

SIMPLY PREPAY AND GO!

Easy Card Management

Thomas Cook Borderless Prepaid

Card even better.

Managing your Thomas Cook

Borderless Prepaid Card is
easy. You can check your
balance, recent transactions
and more, online at
www.borderlessprepaid.
com via My Account.

Unparalleled Global Assistance

Alternatively, you can phone

Card Services to use the
automated balance service.

Card Services can then offer

further assistance, including
emergency cash replacement.
Emergency cash is available up
to the equivalent of US$500 (or
such higher amount as may be
provided at our sole discretion)
subject to a sufficient balance
on your Card and subject to
availability in the relevant location.
Card Services can also offer to
send you a Replacement Card to
ensure that you have continuous
access to your funds.

Customer Satisfaction
We are dedicated to
making your Thomas Cook
Borderless Prepaid Card
experience as enjoyable
as your trip. Many of our
cardholders recommend the
Card to friends and we are
always innovating to make

If your Card is lost or stolen, dont

worry. A dedicated team is on
hand 24 hours a day, 7 days a
week, to help. The first thing to do
is call Card Services straight away,
so that they can cancel the Card.

Multicurrency MasterCard
Thomas Cook Borderless Prepaid CardTM
FREQUENTLY ASKED
QUESTIONS
What do I need to do
before I go?
Please sign the back of your
Card as soon as you get
it and memorise your PIN.
Then register your Card on
My Account at
www.borderlessprepaid.
com, by following the
instructions on the screen.
Can I change my PIN?
Please note that you
cannot change the PIN.
In case you forget your
PIN, you can obtain a PIN
reminder by calling Card
Services at any time. If you
think your PIN has been
compromised, please
contact Card Services
immediately.

USER GUIDE
KNOW YOUR CARD

Chip
16 Digit Card
Number
Card Expiry
Month/Year
Magnetic Stripe
CVC Code
Signature Panel
24/7 Card
Services

How do I use my Thomas

Cook Borderless
Prepaid Card?
Your Thomas Cook
Borderless Prepaid Card
will generally be Activated
within twenty-four (24)
business hours of purchase
or as advised by the
Purchase Location. You
can use your Thomas
Cook Borderless Prepaid
Card worldwide#, at ATMs
displaying the MasterCard
Acceptance Mark, as well
as merchants that accept
MasterCard, including
shops, restaurants and
online. Just enter your

PIN or sign the receipt, as

requested by the merchant.
With a Thomas Cook
Borderless Prepaid Card you
dont need to worry about
bank opening hours or lengthy
queues to access your funds.
Due to FEMA regulations, the Thomas Cook
Borderless Prepaid Card cannot be used at ATMs
or merchants in India, Nepal and Bhutan, or for
internet purchases where the website is registered
in India, Nepal or Bhutan, or at websites accepting
payment in Indian Rupees or the currencies of
Nepal and Bhutan. In addition, the Card is also
unable to be used in countries subject to economic
sanctions, including: Cuba, Iran, Myanmar
(Burma), North Korea, Sudan and Syria. The list
of sanctioned countries is subject to change from
time to time.

How do I obtain a
second Card?
For peace of mind on your
holiday, you may purchase
an Additional Card and use it
as a backup. Please see the
Terms and Conditions or visit
www.borderlessprepaid.
com for more information.
How do I check my balance?
Simply go to My Account
at www.borderlessprepaid.
com, register your Card and
youll be able to see your
Thomas Cook Borderless
Prepaid Card balance and
view any recent transactions.
How does chip and
PIN benefit me?
The chip and PIN technology
provides enhanced protection
for you against counterfeiting
and card fraud. This is
because the embedded
microchip is encrypted
and virtually impossible to
replicate.

Due to FEMA regulations, the Thomas Cook

Borderless Prepaid Card cannot be used at
ATMs or merchants in India, Nepal and Bhutan,
or for internet purchases where the website
is registered in India, Nepal or Bhutan, or at
websites accepting payment in Indian Rupees or
the currencies of Nepal and Bhutan. In addition,
the Card is also unable to be used in countries
subject to economic sanctions, including: Cuba,
Iran, Myanmar (Burma), North Korea, Sudan and
Syria. The list of sanctioned countries is subject to
change from time to time.

Can I make
purchases online?
As long as the online
merchant accepts
MasterCard, you can
use your Thomas Cook
Borderless Prepaid Card
to shop online (within the
limits and restrictions of the
Card#). You may be asked
to provide the security
code thats printed on the
signature strip on the back
of your Card. You cannot
use your Thomas Cook
Borderless Prepaid Card
for accessing or purchasing
goods from adult or internet
gambling sites.

What if I have insufficient

Card funds to make a
purchase in the Local
Currency of the country
I am in?
If there are insufficient funds
in a particular Currency to
pay for a transaction, the
balance of the transaction will
automatically be deducted
from the other Currencies, in
the following order of priority:
USD, GBP, EUR, CAD, AUD,
JPY, SGD and CHF, subject
to the applicable exchange
rate and Currency
Conversion fee.

What if my Thomas Cook

Borderless Prepaid Card
is declined?

What is a Dynamic
Currency Conversion
payment?

If your Card has been

declined, it is likely to be
because the item you are
purchasing costs more
than youve got available
on your Card. Thats OK; if
the merchant can support
partial payments, you can
pay the difference with
another payment method.
Just make sure you tell
the cashier before paying
and confirm the amount
you want to be deducted
from your Thomas Cook
Borderless Prepaid Card.
The cashier should process
your Thomas Cook
Borderless Prepaid Card
payment first, and then
accept the remainder of the
balance, however you want
to pay it.

Dynamic Currency Conversion

(DCC) is an optional service
that is sometimes offered by
retailers and ATM operators
abroad, giving cardholders
the choice of paying in either
the currency of the country
they are visiting or their own
domestic currency, i.e. Indian
Rupees. You should not make
a purchase or ATM withdrawal
in Indian Rupees (as you are
prohibited from doing so by
law) and you should choose
to pay in the Local Currency.
Please note that there will
be an additional cost if the
merchant transaction or
ATM withdrawal is made in a
currency which is different to
any of the available Currencies
on the Card, or exceeds the
relevant available Currency
balance on the Card. Please
refer to the Table of Fees and
Limits for further information.

Should I use my Thomas

Cook Borderless Prepaid
Card to pre-authorise my
hotel or car hire?
It is not recommended
that you use your Thomas
Cook Borderless Prepaid
Card as a guarantee of
payment for hotels, car
rentals, cruises, etc. These
companies may estimate
your bill, and if you use your
Card as a guarantee for
the estimated amount, the
funds will be temporarily
unavailable to access or
spend. You can of course
use your Thomas Cook
Borderless Prepaid Card to
settle your final bill.

For more information, visit

www.borderlessprepaid.
com and register your
Thomas Cook Borderless
Prepaid Card on My
Account to check your
balances and view your
recent transactions.

RELOADING YOUR
THOMAS COOK
BORDERLESS
PREPAID CARD

CASHING OUT YOUR

THOMAS COOK
BORDERLESS
PREPAID CARD

Your Thomas Cook

Borderless Prepaid Card
can be reloaded (subject to
FEMA regulations), so you
never run short of the money
you need to make your trip
a success.

Your Card is valid until the

date printed on the Card
and while it is active (i.e.
some form of transaction has
taken place on your Card
in the previous six months),
no Inactivity fees apply. An
Inactivity fee as detailed in
the Table of Fees and Limits
will apply after six months
of Inactivity. If you have
completed your trip and find
yourself left with funds on
your Card that you havent
spent, there are a couple of
things you can do:

Reloading your Card is easy.

Return to your place of
purchase with your Card,
valid passport and other
documents^. Fill in the
prescribed Application Form
and Form A2. The funds
are available for access
within twenty-four (24)
business hours.
Important to note:
a) A reload fee applies to
reloads and may vary by
Agent.
b) Reloads are made at the
relevant exchange rate on
the day that the reload is
processed. The exchange
rate will vary from day
to day and may vary
depending on the Thomas
Cook branch location or
Agent where the Card is
being reloaded.
^
Documentation as required by Thomas Cook
(India) Ltd. and/or its Agents and as prescribed
by The Reserve Bank of India/FEMA, from time
to time.

1. You can access some, or

all, of the money by simply
going to an ATM while still
overseas and withdrawing
the amount you wish
(within restrictions of the
ATM) to either close the
Card or to reduce the
amount left on the Card;
OR
2. You can wait till you get
home and cash out the
Card by simply going to a
branch of Thomas Cook
(India) Ltd. or returning
to the Agent where the
Card was purchased, with
your Card, valid passport
and other documents^,
to have your balance
refunded. A Cash Out fee
will be charged for this
service (please refer to the
Table of Fees and Limits)
and a foreign exchange

rate, determined by the

Purchase Location, will
apply to convert any
foreign currency balance
back into Indian
Rupees (INR).
Please note: FEMA
regulations, as amended
from time to time,
currently require you to
surrender unspent foreign
exchange within 180 days
of your return. However,
you are free to retain
foreign exchange up to
US$2,000 equivalent,
for future use.
If you would like to know
more about cashing out
your Card, please call Card
Services or go to www.
borderlessprepaid.com
^
Documentation as required by Thomas Cook
(India) Ltd. and/or its Agents and as prescribed
by The Reserve Bank of India/FEMA, from
time to time.

Queries and Complaints

Queries
You should initially address
any query relating to your
Thomas Cook Borderless
Prepaid Card by calling
Card Services on the
appropriate phone number
listed on pages 10/11 of
this User Guide.

number on pages 10/11

of this User Guide
Mail write to:
Attention Borderless Prepaid
Disputes Resolution
Thomas Cook (India) Ltd.
Dr. D. N. Road
Fort, Mumbai 400001
INDIA
Email write to us using the
contact details shown at
www.borderlessprepaid.
com
Contact details
If you have any queries, or
want to let us know any
comments you have about
using your Card, please
get in touch at www.
borderlessprepaid.com
For more information about
your Thomas Cook Borderless
Prepaid Card, please visit
www.borderlessprepaid.
com
To check your balance and
view your transactions, visit
www.borderlessprepaid.
com, register your Card and
log on to My Account.
Alternatively, or if you have
forgotten your PIN, phone
Card Services for 24/7
assistance.

Complaints
If you have a complaint
relating to the Thomas
Cook Borderless Prepaid
Card, you may access the
internal dispute resolution
procedure by:
Phone call the
appropriate phone

10

Useful telephone numbers for 24/7 assistance,

Card Services, lost or stolen Cards.

Country

Free phone Numbers

IRELAND

1800 535 564

If your Thomas Cook Borderless Prepaid Card is lost or it has

been stolen, please contact Card Services immediately, so they
can cancel your Card and offer further assistance, including
emergency cash replacement. Emergency cash is available up
to the equivalent of US$500 (or such higher amount as may be
provided at our sole discretion), subject to a sufficient balance
on your Card and subject to availability in the relevant location.
Card Services can also offer to send you a Replacement Card
to ensure that you have continuous access to your funds.

ISRAEL

180 943 1521

ITALY

800 789 525

JAPAN

00531 780 221

LATVIA

800 03 736

LITHUANIA

880 031 068

LUXEMBOURG

800 28 166

MALAYSIA

1800 814 933

MEXICO

01800 123 3480

MONACO

800 93 677

NETHERLANDS

0800 023 3935

NEW ZEALAND

0800 444 691

NORWAY

800 14 326

PANAMA

1 877 697 0250

PERU

0800 54797

PHILIPPINES

1800 1442 0143

POLAND

00800 441 2460

PORTUGAL

8008 80 501

PUERTO RICO

1 877 697 0250

RUSSIA

810 800 2500 2044

SAUDI ARABIA

800 844 2790

SINGAPORE

800 441 1379

SLOVAKIA

800 001 684

SOUTH AFRICA

0800 982 674

SOUTH KOREA

00798 4434 1279

SPAIN

9009 58 973

ST KITTS & NEVIS

1 877 352 9270

ST LUCIA

1 877 352 3975

ST VINCENTE

1 877 352 3976

SWEDEN

020 796 949

SWITZERLAND

0800 834 918

TAIWAN

0080 104 4292

THAILAND

001800 442 212

TRINIDAD & TOBAGO

1 800 203 0194

TURKEY

00800 4463 2089

TURKS & CAICOS

1 877 352 3980

UAE

8000 440 628

UK

0800 056 0572

URUGUAY

000 413 598 3672

USA/CANADA

1 877 465 0085

US VIRGIN ISLANDS

1 877 352 3982

VENEZUELA

800 100 8565

Country

Free phone Numbers

ANGUILLA

1 877 352 3133

ANTIGUA + BARBUDA

1 877 352 3134

ARGENTINA

0800 666 0026

AUSTRALIA

1800 098 231

AUSTRIA

0800 293 724

BAHAMAS

1800 389 0523

BAHRAIN

8000 4838

BARBADOS

1 877 352 3135

BELGIUM

0800 77 228

BERMUDA

1877 352 4439

BRAZIL

0800 892 3560

BRITISH VIRGIN ISLANDS

1 877 352 4440

BULGARIA

800 116 1169

CAYMAN ISLANDS

1 877 352 4449

CHILE

123 0020 7887

CHINA (NORTH)

10 800 712 2683

CHINA (SOUTH)

10 800 441 1345

COLOMBIA

1 800 518 1711

COSTA RICA

800 015 0605

CROATIA

0800 223 179

CYPRUS

800 96 361

CZECH REPUBLIC

800 143 722

DENMARK

808 84 857

DOMINICAN REPUBLIC

1888 156 1388

DOMINICA

1 877 352 9266

ESTONIA

800 011 1359

FINLAND

0800 918 279

FRANCE

0800 916 940

GERMANY

0800 181 4595

GREECE

00800 4413 1532

GRENADA

1 877 352 9267

GUAM

1 877 697 0248

HAWAII

1 877 887 9856

HONG KONG

800 966 321

HUNGARY

0680 018 878

Alternatively, you can use the number below (Other

Countries) to contact Card Services.

ICELAND

800 98 78

Other Countries

INDIA

000800 100 7960

INDONESIA

1 803 0441 1368

Please remember to add the international prefix of the country you are in at the beginning of this number
(in most cases this is 00, for example 0044 207 649 9404). Calls to this number are not free of charge.

The list of free phone numbers is also available on

www.borderlessprepaid.com

+44 207 649 9404

There may be a charge for calls to these numbers, if phoning from a hotel or mobile phone.

11

Table of Fees and Limits

The following fees and limits apply to your Thomas Cook
Borderless Prepaid Card. All fees and limits are subject to variation,
from time to time, in accordance with the Terms and Conditions.
STANDARD
FEESa

Classic

Vantage

Initial Load &

Issuance fee
Reload fee
Cash Out fee

ATM fees
Cash over
the counter

Purchase from
merchant (e.g.
shops and
restaurants)##
Currency
Conversion feeb
Six monthly,
Inactivity fee debited from your
Card if it has not
been used for
six months
Shortfall fee
Additional Card,
linked to the
same funds
Emergency Cash
Access fee
Emergency Card
Replacement fee

Enterprise II Enterprise
Xtra

INR 150

USD

EURO

GBP

AUD

2.00

1.50

1.50

2.50

8.00

6.00

6.00

10.00

CAD

12

Complete in BLOCK LETTERS

First Name(s):

CHF

JPY

SGD

2.50

2.50

250.00

3.25

10.00

10.00 1,000.00 13.00

Last Name(s):
PAN number:
Passport number:

4.25%

Date of issue:

Place of issue:

Residential Address:

Free
As mentioned in the Corporate
Programme Letter of Offer1

Postcode/Pin Code:
Home Phone:

USD 5.00

Mobile Phone:
USD 10.00

Email:

NIL

Date of Birth:

INR 100

Mothers Maiden Name:

Free

Important Information

Free
Vantage

Enterprise

Thomas Cook Borderless Prepaid Card is issued by Thomas Cook (India) Ltd.
Enterprise II Enterprise
Xtra

USD 250
USD 10,000 USD 150,000 USD 25,000

USD 25,000

USD 25,000

USD 10,000 USD 300,000 USD 50,000

USD 50,000 USD 50,000

Personal Information is collected by Thomas Cook (India) Ltd. or authorised Agents

appointed by Thomas Cook (India) Ltd., for the purposes relating to providing the
product and/or service requested. By successfully applying for the Thomas Cook
Borderless Prepaid Card, you are consenting to Thomas Cook (India) Ltd. using your
Personal Information to notify you of our related products, promotions and customer
surveys that we may conduct from time to time. If you have any privacy concerns,
please contact us on cardservices@borderlessprepaid.com

USD 10,000 USD 500,000 USD 300,000 USD 300,000 USD 300,000
USD 5,000

USD 10,000

USD 5,000

USD 5,000

USD 5,000

USD 10,000 USD 25,000 USD 10,000 USD 10,000 USD 10,000
USD 250

Refer to the definitions in clause 1 of the Terms and Conditions

Service tax, as applicable from time to time, shall be levied on all fees
b
In the relevant Currency (see clause 3.5 of the Terms and Conditions)
c
Refer to clause 8.3 of the Terms and Conditions, Foreign Currency Transactions on Page 21
d
All values in USD or Currency equivalent
e
Subject to applicable FEMA Regulations and limits and any other applicable foreign exchange regulations
##
Some ATM operators or merchants may charge a(n) (additional) transaction fee or set their own limits.
Please confirm whether any fees or limits apply, before making a withdrawal or purchase
1

Please read the Important Information below:

Title (Mr/Mrs/Ms/Miss):

INR 100
INR 100

Classic
LIMITS c d
Minimum
load value
Maximum
load value
Maximum
Balance on Card
at any time
Annual Card
Load limit
ATM Withdrawal
limit per
24 Hours##
POS Purchase
limit per
24 Hours##
Cash Over the
Counter limit

Enterprise

Application Form

 By ticking this box, you consent to being contacted by email or text message in
relation to Thomas Cook Borderless Prepaid Card features and promotions and
our related products, promotions and customer surveys that we may conduct
from time to time.

For more information, please see the full Terms and Conditions.

Cardholder declaration:

I hereby apply for the issue of a Thomas Cook Borderless Prepaid Card to me and
declare that the information included in the application is true and correct and that I am
eligible to apply for the Card. I accept that Thomas Cook (India) Ltd., or its Agents, are
entitled in their absolute discretion to accept or reject this application without assigning
any reason whatsoever. It is my responsibility to obtain the Terms and Conditions as
applicable to the Thomas Cook Borderless Prepaid Card and to read and understand
the same. By accepting and using the Card, I agree to be bound by the Agreement
detailed in this brochure and the rules and regulations in force from time to time, as
issued by RBI, FEMA 1999. By signing this application form, I will be deemed to have
accepted the Agreement.
I have received a copy of the Table of Fees and Limits and the Terms
and Conditions

Signature:
Date:
13

Additional Declaration for Parent / Legal Guardian where the

cardholder is under 18 years old:

I, the undersigned, warrant and represent that I am the parent or legal guardian of the
minor whose name appears as the cardholder above and by signing below I confirm
that I am entering into this Agreement as parent / legal guardian on behalf of the
cardholder who is a minor.

Signature of Parent / Legal Guardian:

Date:
Additional Declaration for Business Card Application:

In the case of Thomas Cook Borderless Prepaid Cards being issued to me for travel
at the request of my employer,..,
I hereby authorise Thomas Cook (India) Ltd., or an authorised Agent appointed by
Thomas Cook (India) Ltd., to load, reload, cash out unspent funds and cancel any
Cards at the request of authorised persons acting on behalf of said employer.

Signature of Customer:
Date:

For Office Use Only

To be completed while the customer is present.
Please indicate if this order is for:

Please read the following information about your Thomas

Cook Borderless Prepaid Card carefully: Your Thomas Cook
Borderless Prepaid Card does not generate any interest or
any other similar return.

Reload of an existing Card

Card number:
x

Thomas Cook Borderless Prepaid Card is issued by Thomas

Cook (India) Ltd., pursuant to license by MasterCard
International. MasterCard and the MasterCard Brand Mark are
registered trademarks of MasterCard International Incorporated.

Additional Card number (if purchased):

x

Suppose you make a withdrawal from an ATM in Europe

for EUe50.00 and the prevailing exchange rate, set by
MasterCard, is EUe1.00 = US$1.36. Before the Currency
Conversion fee applies, this would equate to US$68.00
(EUe50.00 x 1.36). After the Currency Conversion fee of
US$2.89 is applied (US$68.00 x 4.25%) and the ATM
withdrawal fee of US$2.00 is added, this would equate to
US$72.89 (US$68.00 + US$2.89 + US$2.00). Please refer
to clause 8 of the Terms and Conditions for full details of
how these fees and currency conversions apply.
Other Important Information

A new Card and/or Additional Card

Where you do not have a balance in the currency of the

transaction, your Card Fund will be debited according to the
default order of priority, which is as follows: USD, GBP, EUR,
CAD, AUD, JPY, SGD and CHF.
Example of how the Currency Conversion fee may
be applied for a Classic Card loaded with USD only:

Name of Parent / Legal Guardian:

Important information about foreign transactions

Currencies requested for initial load:

Currency

Amount in Foreign
Currency

Amount in Indian
Rupees

US Dollar
GB Pound
Euro
Australian Dollar
Canadian Dollar
Swiss Franc
Japanese Yen
Singapore Dollar
Valid documents collected and verified (in original) by Agent:
Passport Visa
Air ticket

Form A2

Branch/Agent Code:
Branch/Agent Name:
Issuing Authority Name:
Signature of Issuing Authority :
Date: Time: Place:
14

15

Multicurrency MasterCard
Thomas Cook Borderless Prepaid Card
Terms and Conditions

DISCOVER A WORLD
WITHOUT BARRIERS.

By purchasing the Thomas Cook Borderless Prepaid Card, you confirm that you are aged
eighteen (18) years or over (or where the cardholder is over twelve (12) but less than eighteen
(18) years old, the application form and acknowledgement has also been duly signed on the
cardholders behalf by their parent or legal guardian) and you agree that you understand, accept
and shall comply with these Terms and Conditions and the Table of Fees and Limits in the User
Guide (together the Agreement). This is a copy of the Agreement for you to keep.
1

In these Terms and Conditions:

Activate and Activation refers to the activation of the Card to enable you to use the Card
or Additional Card;
Additional Card means an additional Card that may be purchased by you to use as a
backup for security purposes;
Agent or Agent Location means any party acting under authorisation of Thomas Cook
(India) Ltd. to sell and/or reload the Thomas Cook Borderless Prepaid Card;
ATM means an automated teller machine on a shared network, at which, amongst other
things, the cardholder can use their Card to access the Card Fund;
AUD means the lawful currency of Australia;
CAD means the lawful currency of Canada;
Card means the Thomas Cook Borderless Prepaid Card, with ATM and merchant
access and functionality, as set out in the Agreement, including any Additional Card or
Replacement Card, issued to you;
Card Services means any services, including call centre services, provided by us or our
third party service provider in connection with the Card;
Card Fund means the aggregate sum of all Currency records maintained by us (or by
service providers on our behalf) of the funds loaded onto your Card in each Currency and
available for transactions;
CHF means the lawful currency of Switzerland;
Corporate Programme Letter of Offer means any written offer made by us and/or our
Agent to a corporate customer through email, letter or any means acceptable to both the
corporate and us and/or our Agent;

Multicurrency MasterCard
Thomas Cook Borderless Prepaid Card

Currency means, subject to clause 2.2, any one (1) or more of USD, GBP, EUR, CAD,
AUD, JPY, SGD and CHF, and any additional currency that we may make available in
connection with the Card from time to time;
EUR means the lawful currency of the Euro zone;
GBP means the lawful currency of Great Britain;
Inactivity means any period of non-use of the Card for withdrawals at ATMs, POS
transactions or online transactions;
JPY means the lawful currency of Japan;

Local Currency means the currency of the country where a transaction is undertaken;

Merchant or Merchant Establishments shall mean establishments, wherever located,

which accept / honour the Card as a means of payment;
My Account means the Card management application at www.borderlessprepaid.com (or
any other internet site we notify to you in replacement), which gives access to information
about the Card using the Security Details;

Personal Information has the meaning given in clause 12.2;

PIN means a unique Personal Identification Number, allocated to each Card;

POS means Point of Sale electronic terminals at Merchant Establishments, capable of
processing transactions and at which the cardholder can use the Card to make purchases;
Purchase Location means any branch of Thomas Cook (India) Ltd. or store of an Agent
of Thomas Cook (India) Ltd. from which you purchased the Card, within India;
Replacement Card means any Card provided to you, in accordance with this
Agreement, to replace a lost, stolen or inoperative Card;
Security Details means some of the information given by you when applying for the Card
(or for an Additional Card) or during Activation, or any changes made to this information;
SGD means the lawful currency of Singapore;
Shortfall occurs in certain circumstances when the Card Fund drops below zero (0) and
your Card Fund is overdrawn;
Table of Fees and Limits means the table of fees and limits set out in the User Guide,
and any fees or limits updated in accordance with this Agreement;
USD means the lawful currency of the United States of America;
User Guide means the document entitled User Guide, which is attached to these Terms
and Conditions;

16


we, us, our means Thomas Cook (India) Ltd., a company incorporated under the
governing laws of the republic of India and registered under the Companies Act 1956

17

your home country and require a Replacement Card because your Card has been lost or
stolen, you need to visit your Purchase Location. Your Purchase Location can also provide
a Replacement Card in the event your Card is due to expire. You must make this request
to your Purchase Location on or before the expiry of the Agreement and the balance of
the Card will be transferred to the Replacement Card.

and carrying on Foreign Exchange business in terms of the Authorized Dealer Category
II license issued by The Reserve Bank of India (RBI) and having its registered office at
Thomas Cook Building, Dr. D. N. Road, Fort, Mumbai 400001, India, the issuer of the Card;

you, your means the purchaser of the Card.

1.1

Any references to Card also include any Additional Card or Replacement Card,
where appropriate.

The Card

2.1

The Card may be purchased and held by residents of India only. An individual or corporate
business can purchase the Thomas Cook Borderless Prepaid Card (for use by itself, its
authorised employees or representatives of the corporate business), subject to any legal
and regulatory restrictions and/or requirements in force from time to time.

2.2

The Card can be loaded in any available Currency, viz. USD, GBP, EUR, CAD, AUD,
JPY, SGD and CHF. You may only use the Card in accordance with the Agreement.
The Currencies available in respect of the Card may vary from time to time. Before you
make a decision to purchase a Card, please check with the Purchase Location or on
www.borderlessprepaid.com for details of available Currencies. If we introduce a new
Currency, you will be deemed to have acknowledged and agreed that, unless otherwise
notified to you, the Agreement applies to such new Currency.

2.3

Subject to clause 3.4, you are responsible for determining the amount held in each
Currency and for ensuring you have sufficient funds for all transactions.

2.4

At the time of purchase (or by visiting the Purchase Location after purchase), you may
request one (1) Additional Card, which can be used by you, as a backup. The Additional
Card is linked to the Card Fund and only you can use it. You may be charged a fee, as set
out in the Table of Fees and Limits, for the Additional Card.

2.5

There is no interest payable to you on the balance and the Card Fund does not amount to
a deposit with us.

2.6

The issue and use of the Card, in addition to the present Agreement, shall be subject to
rules and regulations laid down by RBI, FEMA, MasterCard and Thomas Cook (India) Ltd.,
from time to time.

2.7

Card loads or reloads will only be credited to the Card Fund, once we, or our Agent, have
received cleared funds from you.

Using the Card

3.1

There may be a delay of up to twenty-four (24) hours (or as advised by the Purchase
Location), before you are able to use the Card.

3.2

Due to FEMA regulations, the Card cannot be used at ATMs or merchants in India, Nepal
and Bhutan, or for internet purchases where the website is registered in India, Nepal or
Bhutan, or at websites accepting payment in Indian Rupees or the currencies of Nepal
and Bhutan.

3.3

3.4

3.5

3.6

18

Subject to clause 3.2, the Card can be used worldwide wherever you see the MasterCard
Acceptance Mark at ATMs and merchants, including shops, restaurants and online,
providing there are sufficient funds available on the Card for the transaction, including any
applicable fees, subject to any restrictions in the Agreement. Although the MasterCard
Acceptance Mark may be displayed, the Card may not operate in some countries, due
to restrictions and/or sanctions. Please verify the list of countries with restrictions at
www.borderlessprepaid.com. In addition, please note that the Card is for use in
electronic terminals or ATMs and will not work in manual or offline terminals.
Subject to clauses 3.5 and 8.3, the applicable Currency balance (and therefore the total
Card Fund) will be debited with the amount of each cash withdrawal or transaction
and any fee, and these debits will reduce the balance of the applicable Currency (and
therefore the total Card Fund). Each transaction will require authorisation or validation
before completion and we cannot stop a transaction once authorised.
If there are insufficient funds in a particular Currency to pay for a transaction, the balance
of the transaction will be automatically processed using other Currencies held on the
Card in the following order of priority: USD, GBP, EUR, CAD, AUD, JPY, SGD and CHF.
If, following use of the available balances of all Currencies, there are still insufficient funds
to pay for a transaction, the Card may be declined or the merchant may allow you to
pay the balance by some other means. If we change the Currencies available to you in
connection with the Card, we will notify you of the new order of priority for the purposes
of the Agreement, directly and/or through www.borderlessprepaid.com
It is not recommended to use the Card as: (i) a guarantee of payment, for example as a
deposit for hotels, cruise lines or car rental, as merchants such as these may estimate
the final bill and this amount will be temporarily unavailable to access or spend; or as
(ii) an arrangement for periodic billing, as any debits to the Card as a result of such
arrangements will be considered to have been authorised by you.

3.7

The Card is only for your use and expires on the date on the front of the Card. Upon
expiry you will not be able to use the Card. Please contact Card Services for a new Card.
Thomas Cook (India) Ltd. and/or its affiliates assume no responsibility of informing you of
the expiry of your Card. Upon expiry you will still be able to obtain a refund of the balance
in accordance with the Agreement, or you may choose to transfer the remaining funds to
a new Card. You may be charged for this service.

Claims for any funds balance on the Card that has not been cashed out within ninety (90)
days from the date of expiry of the Card will not be entertained by us.

3.8

If the Card is lost or stolen while you are travelling, you may contact Card Services to
request a new Card (Replacement Card), subject to any applicable fee. If you are in

3.9

An Inactivity fee will be charged every six (6) months, after six (6) months of Inactivity, until
the balance of the Card is zero (0). If the available Card Fund, following the debit of any six
(6) monthly Inactivity fee (please refer to the Table of Fees and Limits), is less than the fee,
we will waive the difference.

3.10 You agree not to use the Card for money transfers, accessing or purchasing goods
from adult or gambling locations or internet sites, or for any unlawful activity and hereby
indemnify Thomas Cook (India) Ltd. against any loss or damage caused by unauthorised
usage of the Card, including any penal action arising there from, on account of any
violation of RBI guidelines or rules, framed under the Foreign Exchange Management
Act (1999), any laws being in force in India or the country of use, notwithstanding the
termination of the Agreement. You must comply with all laws and regulations (including
any foreign exchange controls) in respect of the Card in the country of purchase and/or
use. We reserve the right to suspend the Card, terminate the Agreement and exercise any
other remedies available to us due to your failure to comply with any part of this provision.
3.11 The Card can only be used if it is in credit. If a Shortfall arises, following any transaction
authorised by you, the resulting debit balance immediately becomes a debt, payable by
you to us and we retain the right to recover this debt by deducting funds held in another
Currency. When we convert the Shortfall into the relevant Currency, the exchange rate
used will be the rate determined by us on the given day we process the transaction.
If, notwithstanding any such deduction, a Shortfall remains, the resulting debit balance
immediately becomes a debt payable by you to us and you agree to reload the Card
Fund to bring the balance back to zero (0) or above, within thirty (30) days of request.
A Shortfall fee may also be payable if a particular Currency and/or the Card Fund drops
below zero (0) (see Table of Fees and Limits). If the Card Fund does drop below zero (0),
you must not make any subsequent transactions.
3.12 Purchases abroad, which may be considered investments or imports (which as such, are
subject to specific regulations), are not permitted.
3.13 Any usage of the Card inconsistent or in contravention with the usage described in the
Agreement is not permitted.
3.14 If you are entitled to a refund for goods or services purchased using the Card, or another
credit for any other reason, this will be made to the Card, in the applicable Currency,
as and when it is received from the merchant. Thomas Cook (India) Ltd. accepts no
responsibility and or liability for any delay caused in this regard, for any reason whatsoever.
3.15 Your Card can be reloaded during the period of the Card validity, within the limits set out
in the Table of Fees and Limits. Reloads will also be subject to any restrictions imposed
by legal or regulatory requirements in place from time to time. Where your Card has been
issued to you at the request of your employer for business related travel, you agree that
the authorised employer nominated on the application form can reload additional funds at
any time, within the above restrictions.
4

Keeping your Card and PIN secure

4.1

You must sign the back of the Card as soon as you receive it.

4.2

You must do all that you reasonably can to keep the Card safe and the PIN and other
Security Details secret and safe from misappropriation by any third party at all times.
Thomas Cook (India) Ltd. will have no liability to you for any losses you may suffer as a
result of your Card getting damaged.

4.3

You must never allow anyone else to use the Card, PIN or other security information.

4.4

You must never write down the PIN or any other security information together with the Card.

4.5

We will never ask you to reveal any PIN.

4.6

The PIN may be disabled if an incorrect PIN is entered three (3) times. If the PIN is
disabled, please contact Card Services. There may be a twenty-four (24) hour delay in
reactivating your PIN for ATM use. You may not be able to reactivate the PIN for use at
merchants. You will subsequently be required to sign for any transactions at merchants,
provided that this is supported by and acceptable to the merchant.

4.7

You must call Card Services immediately, and without undue delay, if you lose the Card,
believe it could be misused or you suspect that someone else may know the PIN or any
other Security Details. We will suspend the Card to prevent further use. If a lost Card is
subsequently found, it must not be used unless Card Services confirm it may be used.

4.8

You will be required to confirm details of any loss, theft or misuse to Card Services in
writing and you must assist us and the police in any enquiries.

4.9

We may suspend the Card, with or without notice, if we think the Card has been or is
likely to be misused, if you have breached the Agreement or if we suspect any illegal
use of the Card. If we do suspend the Card, we will inform you of our decision, unless
such disclosure is prohibited by law or would otherwise compromise fraud prevention or
security measures.

4.10 You must memorise the PIN. This is very important as you cannot change the PIN
issued with each Card. For security purposes, you should not keep the PIN written
anywhere near the Card. If you forget the PIN, you can obtain a PIN reminder by calling
Card Services and answering the security questions based on the information you
supplied on your application.

19

Liability for unauthorised transactions

5.1

Our and/or our third party service providers records of transactions processed by the use
of the Card shall be conclusive and binding for all purposes.

5.2

We bear no liability for any unauthorised use of the Card. It is your responsibility to ensure
that knowledge of the PIN is not disclosed to anyone else and to maintain the safe
custody of the PIN and the Card at all times.

5.3

If you notice an error in any Card transaction or a Card transaction that you do not
recognise, you must notify Card Services immediately and in any event within thirty (30)
days of the transaction debit date. We will request that you provide additional written
information concerning any such Card transaction and you must comply with such
request. We recommend that you check your transaction history and balance at least
once a month.

5.4

You will be liable for all losses in respect of the Card if you have (i) acted fraudulently; (ii)
failed to use the Card in accordance with the Agreement; (iii) have failed to notify Card
Services without undue delay on becoming aware of the loss, theft or misuse of the Card,
and in any event within thirty (30) days of the transaction; or (iv) have failed to take all
reasonable steps to keep the Cards security features safe.

5.5

We are not liable for any fraudulent or unauthorised use of your Card. If you ask us to
investigate a transaction and our investigations conclude that the transaction you have
disputed has been authorised by you or on your behalf, or you have acted fraudulently,
we may charge you an investigation administration fee of up to US$80 (or Currency
equivalent).

Fees and Limits

6.1

Fees and limits apply to the Card, as indicated in the Table of Fees and Limits. The fees
we charge are subject to change from time to time, in accordance with the Agreement.
You will be notified of any change in the applicable fees. For business travellers purchasing
a Card within a corporate programme, standard fees apply as per the Table of Fees and
Limits, unless a Corporate Programme Letter of Offer, stating any fee variations, has been
provided to the nominated employer.

6.2

6.3

You agree to pay and authorise us to debit the Card Fund for the fees set out in the Table
of Fees and Limits. These fees may be debited from the Card Fund as soon as they are
incurred. All fees will be debited in the Local Currency. If there are insufficient funds within
this Currency to pay such fees, or the Local Currency is not a Currency available on
the Card, then we will automatically deduct funds from USD or other Currencies, in the
following order of priority: GBP, EUR, CAD, AUD, JPY, SGD and CHF. Any such deduction
of funds may be subject to a fee (refer to the Table of Fees and Limits).
From time to time, we may limit the amount you can load on the Card, or the amount
you can withdraw from ATMs or spend at merchants over certain time periods. Some
merchants and ATM operators also impose their own limits on the amount that can be
spent or withdrawn over a specific time period.

6.4

Certain ATM operators or merchants may charge a(n) (additional) transaction fee if the
Card is used to make a withdrawal or to purchase goods and/or services. The fee is
determined and charged by the ATM operator or merchant and is not retained by us.

6.5

For details on the fees and limits that apply to the Card, please refer to the Table of Fees
and Limits, or visit www.borderlessprepaid.com

Card Fund

7.1

Until the expiry of the Card or termination of the Agreement, you can add funds to each
Currency through the Purchase Location (who will advise you of the acceptable methods
of payment) or through other methods made available from time to time, which are set out
at www.borderlessprepaid.com, subject to certain limits and subject to a fee (refer to
the Table of Fees and Limits).

7.2

You may also be able to make a balance enquiry at some ATMs, although availability is
dependent on the country and the ATM used. There may be a fee payable (to the ATM
operator) for balance enquiries.

7.3

If an ATM displays a balance for the Card Fund, then this may be displayed in USD or
in a different currency, in which case the exchange rate applied may be different to ours
and discrepancies can arise. An ATM will not display a balance for each Currency. An
accurate balance for each Currency can be obtained through Card Services or through
My Account at www.borderlessprepaid.com

7.4

Information sent over the internet may not be completely secure and the internet and
the online systems are not controlled or owned by us, or our third party service provider.
Therefore, neither we, nor our third party service provider, can guarantee that they will function
at all times and we, and our third party service provider, accept no liability for unavailability or
interruption, or for the interception or loss of Personal Information or other data.

7.5

Your Card Fund will be held securely in a Trust account with a reputed overseas bank.

7.6

Claims for any funds balance on the Card that has not been cashed out within ninety (90)
days from the date of expiry of the Card will not be entertained by us.

Foreign Currency Transactions

8.1

There are five (5) instances where a foreign exchange rate will apply:
i) initial load(s) or in-branch reload(s), where you load funds in a foreign Currency;
ii) POS transactions, where the transaction is in a currency that is not one of the Currencies
available on the Card (including any transaction where we deduct funds under clause
3.5 due to insufficient funds);

20

iii) ATM withdrawals where the Local Currency is not one of the Currencies available on
the Card (including any transaction where we deduct funds under clause 3.5 due to
insufficient funds);
iv) where we allocate funds from one Currency to a different Currency, in accordance with
the Agreement; and
v) where you end the Agreement or request repayment of the balance of the Card, under
clause 9.
8.2

The foreign exchange rate used for initial loads and in-branch reloads varies by Purchase
Location. You can ask the Purchase Location for the exchange rate beforehand.
Foreign exchange rates are subject to variation and the rate that applies one day will not
necessarily be the same on any other day.

8.3

If an ATM withdrawal, a POS transaction or an online transaction is made in a currency

which is different to any of the available Currencies on the Card, or exceeds the relevant
available Currency balance on the Card, the amount will be funded by converting
the transaction amount into the next available Currency balance on the Card in the
following order of priority: USD, GBP, EUR, CAD, AUD, JPY, SGD and CHF. The foreign
exchange rate used is the rate determined by MasterCard to be the wholesale rate
or the government mandated rate in effect on the day the transaction is processed by
MasterCard, plus the Currency Conversion fee (see Table of Fees and Limits).

8.4

Where you end the Agreement, or request repayment of the Card Fund under clause 9,
these funds will be converted into Local Currency (Indian Rupees). The foreign exchange
rate used for this is set and determined by the Purchase Location and varies each day. A fee
may be charged by the Purchase Location for this service, in addition to the fee specified
in the Table of Fees and Limits. Please check with the Purchase Location. You can also
contact the Purchase Location for more information on the applicable exchange rate.

Redeeming Unspent Funds

You may redeem the unspent Card Fund through the Purchase Location. Payment will
be in Indian Rupees and the exchange rate will be determined by the Purchase Location.
A fee may be charged by the Purchase Location for this service, in addition to the fee
specified in the Table of Fees and Limits. Please check with the Purchase Location. Where
your Card has been issued to you at the request of your employer for business related
travel, you agree that the authorised employer nominated on the application form can
redeem any unspent funds.

10

Ending the Agreement

10.1 Subject to clause 10.6, the Agreement shall terminate in the event of: (i) the later of either the
expiry of the Card or the expiry of the Additional Card, or; (ii) an event occurring under
clause 10.2, 10.3, or 10.4.
10.2 Subject to clause 10.4, we may end the Agreement at any time by giving you at least thirty
(30) days written notice by letter or email sent to the address you have provided to us.
10.3 You may end the Agreement at any time by writing to or emailing Card Services.
10.4 We may ask for the return of the Card and end the Agreement, with or without notice,
if you materially breach any of these Terms and Conditions.
10.5 Upon ending the Agreement in accordance with this clause 10, you will no longer be able
to use the Card. The ending of the Agreement will not affect your right (if any) to redeem
unspent funds in accordance with clause 9 and subject to clause 7.6.
10.6 For the purposes of clause 10.1(i), the expiry of the Card shall mean the expiry of the initial
Card issued to you under the Agreement (excluding any Replacement Card). In the event
the initial Card expires and you have an active Additional Card, you may request a new
Card and Additional Card. Please visit www.borderlessprepaid.com for a reminder of
your expiry date.
10.7 Thomas Cook (India) Ltd. assumes no responsibility whatsoever of any losses you, or any
third party, may suffer in connection with the termination of the Agreement arising out of
the events mentioned in clause 10.1.
11

Changing the Terms

11.1 We have the right to amend the Agreement and will notify you of any such changes
by email or in writing. The latest version of the Agreement shall be available on
www.borderlessprepaid.com
11.2 We may amend the Agreement without notice, in order to comply with local laws
and regulations.
11.3 If you are dissatisfied with any change, you can end the Agreement by contacting Card
Services within thirty (30) days of such change taking effect.
12

Personal Data

12.1 We may contact you by telephone, letter, SMS or email at the contact details you provide us.
You must let Card Services know immediately if you change your name, address, phone
number or email address.
12.2 By purchasing the Card and using it, you consent to us and our service providers
processing the information we collect from you (Personal Information), when we
provide you with the Card Services, under the Agreement.
12.3 Your Personal Information may be disclosed by us and/or our service provider to third
parties to enable us to provide the Card Services and for data analysis (including market
research), anti-money laundering, detection of crime, legal compliance, enforcement and
fraud prevention purposes.

21

12.4 Your Personal Information may be processed outside of the country of purchase, but
all service providers are required to have adequate safeguards in place to protect your
Personal Information.
12.5 You agree that we, and/or our third party service provider, may contact you about other
products and services provided by us and our affiliates. If you no longer wish to receive
this information, please contact Card Services.
12.6 You can contact Card Services for a copy of the Personal Information we hold about you.
A fee may be charged for this service.
12.7 To aid us in the provision of the Card Services and improve our service, telephone calls
may be recorded and/or monitored.
12.8 You may withdraw your consent to our use or processing of your Personal Information,
as long as: (a) you give us at least thirty (30) days written notice; (b) we reasonably
believe there are no legal requirements for the use of your Personal Information; and
(c) withdrawing your consent does not result in our inability to fulfil our obligations to
you under the Agreement. In order to provide our services to you, however, there is certain
information we will require and if you choose to withdraw your consent to the use of that
information, the Card Services may not be available and you will not be able to use the Card.
13

Liability

13.1 We will not be liable to you in respect of any losses you, or any third party, may suffer
in connection with the Card, arising directly or indirectly out of any mis-statement, misrepresentation, error or omission in any details disclosed by us and/or our suppliers.
13.2 In no event will we be liable for consequential or indirect damages (including lost profits),
extraordinary damages, or special or punitive damages.
13.3 We are not responsible for: (i) ensuring that ATMs and POS terminals will accept the Card;
or (ii) any loss or inconvenience caused by local regulations or because of the lack of
uniformity in local regulations or facilities available at ATMs and POS terminals and/or fees
or charges levied directly by any ATM and/or POS terminal operators; or (iii) any merchant
error in processing a transaction. We will not be liable to you for any non-acceptance
of the Card, for disputes, including but not limited to, the quality of goods or services
purchased on the Card or any additional fees charged by the operators of ATMs and/or
POS terminals.
13.4 You agree to pay us for any losses, damages, claims or expenses (including reasonable
attorney fees) we incur due to your failure to comply with the Agreement.
13.5 Except as otherwise set out in the Agreement, any liability we have to you is equal to the
balance on the Card at any given time.
14

Law, Jurisdiction and Language

14.1 The Agreement and any disputes, which arise under it, shall be governed by Indian law
and subject to the non-exclusive jurisdiction of the courts of Mumbai.
14.2 We will communicate with you in English and the Agreement is available in English only.
15

Third Party Rights

Except for any party referred to in clause 16, nothing in the Agreement gives any third
party any benefit or right (including any enforcement right).

16

Transferring our rights

We may assign any of our rights and obligations under the Agreement, without your
prior consent, to any third party, subject to such party continuing the obligations in the
Agreement to you.

17

Contact details

17.1 If you have any queries regarding the Card, please email cardservices@borderlessprepaid.
com or visit www.borderlessprepaid.com
17.2 If you have any further queries, are dissatisfied with the standard of service, you think we
have made a mistake in operating the Card or you require information about your Personal
Information, please contact Card Services.
17.3 We can be contacted using the details in the Contact details section in the User Guide
or by writing to Card Services, Thomas Cook (India) Ltd., Dr. D. N. Road, Fort, Mumbai
400001.
17.4 Any notice sent by either party under the Agreement shall be through email or registered
post. Notices sent by email shall be deemed given on the day the email is sent, unless the
sending party received an electronic indication that the email was not delivered; and if by
registered post, shall be deemed given ten (10) business days after the date of posting.
17.5 We will try to resolve any problems as quickly as possible and in accordance with the
complaints procedure, which can be found on www.borderlessprepaid.com or is
available on request.

22

Thomas Cook Borderless Prepaid Card is issued by Thomas Cook (India) Ltd., pursuant to license by
MasterCard International. MasterCard and the MasterCard Brand Mark are registered trademarks of
MasterCard International Incorporated.

CP10296/V1/0712

For all your Thomas Cook Borderless Prepaid Card needs,

visit www.borderlessprepaid.com