CARD ISSUANCE · UNITED KINGDOM
Card Issuing Terms
All Bank of Kowloon – UK cards are issued by Meriaken MultiGlobal Card Issuing Service.
Last updated: 17 October 2026
1. Issuer and card range
Meriaken MultiGlobal Card Issuing Service is the issuer of cards offered under Bank of Kowloon – UK, including the Eternus X Card and gennCard. References to Bank of Kowloon – UK identify the card programme and its public information website.
Issuer-specific legal entity details, service contacts and the agreement applicable to your card should be supplied with your application or card documentation. Contact customer help if you need these details before proceeding.
2. Nature of the cards
Eternus X is a Term Card described as a practice card with a much higher practice limit than gennCard. gennCard is a practice card intended for new card users and those under 21. These are not current or savings accounts.
A practice limit does not by itself represent cash, a withdrawable balance, a bank deposit or an approved credit facility. Issuance does not guarantee a credit score improvement or future lending approval.
3. Application and issuance
Submitting an application does not guarantee approval or issuance. Eligibility, identity and any required age or guardian checks must be completed through the approved application process. U.S. customers are not supported.
Do not provide inaccurate information or apply on behalf of another person without appropriate authority. Before accepting a card, obtain and review the specific agreement and any fee schedule.
4. Acceptance and permitted use
gennCard is accepted at kowloonPoint of Sale only. It must not be presented as a general-purpose payment card for use at other merchants or cash machines. Eternus X acceptance must be confirmed separately in its product documentation.
Use the card only within its authorised practice setting and assigned limits. Do not misrepresent a practice card as proof of funds, a deposit account or a credit facility, or use it to bypass security or eligibility controls.
5. Limits, term periods and charges
The assigned practice limit, any term period, expiry rules, applicable fees and permitted activities must be confirmed in the card-specific agreement. The website does not publish an exact Eternus X limit or term duration and does not promise that either card is free.
Before proceeding, check whether there are any payments to make, how they are calculated, what they cover, and the applicable cancellation and refund arrangements. Do not send money until these details are clear.
6. Card security and servicing
Keep your card, PIN, passwords and verification codes secure. Report a lost card, suspected misuse or an unfamiliar activity promptly through a verified support channel. Do not email full card details, passwords or identity documents.
Contact cshelp@bofkl.co.uk for card-service enquiries and securitydesk@bofkl.co.uk to report suspicious communications. Customer help can direct issuer-specific requests to the appropriate servicing process.
7. Expiry, restrictions and ending use
Review the card-specific agreement for expiry, replacement, suspension, closure and any termination process. Ask how unused practice allowances and any actual payments are treated when the card expires or use ends.
This website summary does not create additional charges, cancellation penalties or discretionary powers to alter your agreement.
8. Privacy and complaints
Read the privacy information provided by the application service and issuer before sharing personal information. The website privacy notice explains this public website and does not replace an issuer’s privacy notice.
For a complaint, contact cshelp@bofkl.co.uk with a non-sensitive description and your requested resolution. Request the relevant issuer complaints procedure and any applicable escalation route.
9. Regulatory information and your rights
Naming a card issuer does not by itself establish a regulatory authorisation, deposit-protection entitlement or payment-network membership. No FCA/PRA authorisation or FSCS coverage is claimed on this website.
This page provides general issuing information. It does not replace the individual card agreement or waive any statutory consumer rights. If information is unclear or inconsistent, request clarification before accepting the card.