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NRMA Home Loans

$1,500 Virtual Visa Gift Card Offer – Terms and Conditions

The $1,500 Virtual Visa Gift Card Offer Terms and Conditions outline the agreement between us and you, and include terms that limit NRMA Insurance’s liability for certain types of loss or damage and permit NRMA Insurance to disclose your personal information to third parties (in accordance with the NRMA Insurance Privacy Policy). You will need to accept these Terms and Conditions to continue to participate in this Offer.

  1. These terms and conditions (“Offer Terms and Conditions”) apply to the NRMA Home Loans ‘$1,500 Virtual Visa Gift Card Offer’ (“Offer”). Eligible Recipients (see paragraph 3) agree to be bound by these Offer Terms and Conditions.

  2. The promoter is Insurance Australia Limited ABN 11 000 016 722, trading as NRMA Insurance and NRMA Home Loans (Tower Two, Darling Park, 201 Sussex Street, Sydney NSW 2000) (“Promoter” or “NRMA Insurance”). The Promoter has engaged Digital Glue Australia Pty Ltd ABN 36 127 466 899 (Suite 21 Level 21 101 Miller Street, North Sydney, NSW 2060 Australia) (“Digital Glue”), to undertake the fulfilment of the Gift Cards (see paragraph 9).
  1. Subject to these Offer Terms and Conditions, for the Offer to apply, an eligible recipient must:

a. apply for an NRMA Home Loan within the Offer Period (see paragraph 4);

b. settle the NRMA Home Loan

c. retain their settled NRMA Home Loan for a minimum of 8 weeks; and;

d. the primary holder of the settled NRMA Home Loan,

(“an Eligible Recipient”).

  1. This Offer commences at 12:00am AEDT on 9 February 2026 and ends at 11:59pm AEST on 6 April 2026 (“Offer Period”).
  1. Under this Offer, Eligible Recipients will receive a $1,500 Virtual Visa Gift Card (“Gift Card”).
  1. Limit of one (1) Virtual Visa Gift Card per settled NRMA Home Loan.
  1. This Offer does not apply to existing NRMA Home Loans (including any amendments to existing loans).
  1. By submitting an application for an NRMA Home Loan during the Offer Period, the Eligible Recipient agrees:

a. receiving emails (to the email address provided for the primary holder of the loan in the application) about redemption of the Gift Card (whether from NRMA Insurance or Digital Glue or their agents); and

b. that such emails will not contain an unsubscribe link.

  1. Within 8 weeks of settlement of an Eligible Recipient’s NRMA Home Loan, the Promoter, via Digital Glue, will email the Eligible Recipient’s email address (provided in the loan application) to confirm that they have qualified for participation in the Offer. Within the email the Eligible Recipient will be given a unique claim code and instructions on how to redeem the Gift Card. The Eligible Recipient must follow the instructions to redeem the Gift Card within 90 days of receiving the email from Digital Glue.
  1. Each Eligible Recipient acknowledges that the Gift Card can only be used where Prepaid Visa gift cards are accepted and processed electronically. Each Eligible Recipient acknowledges that they must comply with the relevant Gift Card vendor’s terms and conditions, which include the following:

a. full Gift Card terms and conditions can be found here: https://activgiftcard.com.au/terms-conditions/ (“Gift Card Terms of Use”). Subject to the Gift Card Terms of Use, it cannot be used for certain transactions, including at financial institutions or ATMs;

b. the preloaded credit on the Gift Card will expire in accordance with the expiry date in the Gift Card Terms of Use;

c. the Gift Card cannot be redeemed for cash, reloaded, or be replaced after expiry and is not legal tender, an account card, a credit or security;

d. any dispute about goods or services purchased with the Gift Card should be resolved in accordance with the Gift Card Terms of Use and/or with the relevant retailer and not NRMA Insurance; and

e. please refer any Gift Card transaction enquiries to support@nrma.iag-rewards.com. Neither NRMA Insurance nor Digital Glue is able to reverse any approved transactions on the Gift Card.

  1. Subject to the Gift Card Terms of Use, the Gift Card is not transferable or exchangeable. NRMA Insurance and/or Digital Glue may subject Gift Cards to verification and security checks in its absolute discretion.
  1. EXCEPT FOR ANY LIABILITY THAT CANNOT BE EXCLUDED BY LAW (IN WHICH CASE THAT LIABILITY IS LIMITED TO THE MINIMUM ALLOWABLE BY LAW), AND SUBJECT TO CLAUSES 13 AND 14, OUR LIABILITY IS LIMITED TO $1,500.
  1. TO THE EXTENT PERMITTED BY LAW, NRMA INSURANCE (INCLUDING ITS OFFICERS, EMPLOYEES AND AGENTS) EXCLUDES ALL LIABILITY (INCLUDING NEGLIGENCE), FOR ANY INDIRECT OR CONSEQUENTIAL LOSS OR DAMAGE.
  1. NRMA Insurance is not liable for any tax liability incurred by an Eligible Recipient as a result of their participation in the Offer.
  1. Nothing in these Offer Terms and Conditions restrict, exclude, modify or purport to restrict, exclude or modify any statutory consumer rights under any applicable law, including the Competition and Consumer Act 2010 (Cth) or the Australian Securities and Investments Commission Act 2001 (Cth).
  1. NRMA Insurance reserves the right to withdraw or substitute all or part of this Offer with another offer of equal or greater value at NRMA Insurance’s sole discretion. Eligible Recipients who previously took up the Offer will not be entitled to any additional compensation in the event that the Gift Card has been substituted at equal or greater value at a later time.
  1. Once the Gift Card has been despatched via email, NRMA Insurance and Digital Glue will not be responsible for and will be discharged for any delay or failure to deliver the Gift Card.
  1. NRMA Insurance is not responsible for any undelivered emails due to an Eligible Recipient’s spam filters or email settings.
  1. To determine an Eligible Recipient’s eligibility for the Offer, NRMA Insurance may request, at its discretion (acting reasonably), proof of identity, residency and eligibility. In the event that an Eligible Recipient cannot provide suitable proof, they may forfeit the Offer in whole and no substitute will be offered. NRMA Insurance reserves the right to disqualify any person that seeks to gain an unfair advantage or to manipulate this Offer.
  1. NRMA Insurance (subject to State and Territory legislation) reserves the right to amend, cancel or suspend this Offer in circumstances where an event beyond the reasonable control of NRMA Insurance corrupts or affects the administration, security, fairness, integrity or proper conduct of this Offer.
  1. Personal information is being collected by Digital Glue and NRMA Insurance for the purpose of conducting and promoting this Offer, and to assist NRMA Insurance to improve its services. By accepting these Offer Terms and Conditions, each Eligible Recipient consents to the storage and use of their personal information by Digital Glue in accordance with its privacy policy (at https://blackhawknetwork.com/au-en/privacy-policy) and by NRMA Insurance in accordance with its privacy policy (at https://www.nrma.com.au/privacy). If the personal information is not provided, the Eligible Recipient may not be able to participate in this Offer. Each privacy policy also contains information about how individuals may access, update or correct their information, how individuals may complain about the treatment of their personal information, and how each of NRMA Insurance and/or Digital Glue (as applicable) will deal with such a complaint.
  1. Bendigo and Adelaide Bank Limited (ABN 11 068 049 178, AFSL and Australian Credit Licence 237879) is the credit provider for NRMA Home Loans. Credit services are provided by Tiimely Pty Ltd (ABN 41 605 696 544 and Australian Credit Licence 496431). Insurance Australia Limited (ABN 11 000 016 722), trading as NRMA Insurance, does not hold an Australian Credit Licence.