Ajándékkártya

Ajándékkártya, also known as gift card, is a prepaid stored-value money card, usually issued by a retailer or bank, to be used as an alternative to cash for purchases within a particular store or related businesses. Ajándékkártyas can be purchased at retailers and redeemed for merchandise. They are commonly used as gifts for birthdays, holidays, and other special occasions.

There are generally two types of ajándékkártya: open-loop and closed-loop. Open-loop ajándékkártyas are typically issued by a bank and can be used at any merchant that accepts the associated payment network (e.g., Visa, Mastercard). Closed-loop ajándékkártyas are specific to a particular retailer or a group of affiliated retailers.

The value on an ajándékkártya is pre-loaded by the purchaser. Once the value is depleted, the card can no longer be used unless it is reloadable. Many ajándékkártyas have an expiration date, although this is not always the case, especially in certain regions due to consumer protection laws. Fees can sometimes be associated with ajándékkártyas, such as activation fees or inactivity fees. It is important to read the terms and conditions of an ajándékkártya before purchasing or using it. They offer flexibility for gift-givers as the recipient can choose their own present.