This page introduces the benefits and reward rules of the Zoomex Card. Some benefits are provided by our partner UR, while others are Zoomex promotional rewards. The actual display and applicable scope are subject to the page.
I. Overview of Benefits
The main benefits of the Zoomex Card currently include:
1. Free membership upgrade: UR membership rights upgraded from Basic to Pro for free
2. Zoomex exclusive card design
3. Free card issuance, no annual fee
4. Welcome Offer: Spend $5 in a single transaction, get $10 cashback
5. Cashback rewards on spending (subject to Zoomex activity page rules)
II. Membership Upgrade from Basic to Pro (valid indefinitely)
1. Benefit Explanation
After completing Zoomex x UR account linking and successfully activating the card, UR membership benefits will be upgraded from Basic to Pro, and the upgrade will remain valid indefinitely (no fixed expiration date).
2. What benefits does Pro include?
Basic |
PRO |
|
| Bank Transfer Fees (SEPA, SWIFT) | Not available |
Available |
| Monthly Account Limit | 10,000 CHF |
100,000 CHF |
| Daily Card Limit | 2,000 EUR |
10,000 EUR |
| Monthly Credit Card Limit | 5,000 EUR |
20,000 EUR |
Note: UR membership benefits are provided and explained by UR. If there are any display issues or they are not activated, please contact UR support.
III. Zoomex Exclusive Card Design
1. Benefit Explanation
The Zoomex Card offers users an exclusive card design. After successfully activating the card, you will receive a virtual card with Zoomex branding elements for display and identification.
2. Applicable Scope
- Applicable to the card design for the Virtual Card (such as on the UR card management page, card preview in some payment scenarios, etc.)
- The actual display effect may vary depending on device systems, wallets (Apple Pay / Google Pay / Samsung Pay), and payment network rules.
3. Reminder
- The exclusive card design is a visual benefit and does not affect card payment functionality, fees, or risk control rules.
IV. Free Card Issuance / No Annual Fee
- Card Issuance Fee: 0
- Annual Fee: 0
V. Welcome Offer: Spend $5, Get $10 Cashback
1. Event Details
If conditions are met, users will receive an automatic $10 cashback, credited instantly to the card balance.
2. Eligibility (must meet all conditions)
- Completed Zoomex x UR account linking
- Successfully activated the card
- Within 30 days of successful card activation, complete any transaction of $5 or equivalent
3. Cashback Distribution
- Reward: $10
- Automatically issued, credited instantly to the card balance (subject to actual deposit time)
4. Common Reasons for Not Receiving Rewards
- Account linking not completed / card not successfully activated
- Transaction occurred outside the 30-day period
- Single transaction amount is less than $5 or equivalent
- Transaction falls under MCC exclusion rules (see below)
- Transaction is canceled/refunded/charged back (may lead to reward revocation)
VI. Spending Cashback Benefits
1. Benefit Explanation
- Spending cashback is a Zoomex promotional reward, currently available with no time limit.
- Different stages may have varying cashback percentages, limits, eligible spending categories, and designated currencies. Please refer to the Zoomex Card cashback event page for specific rules.
2. Rules Reminder
- Whether cashback applies, cashback amount, settlement time, etc., are subject to the event page.
- If a transaction is canceled/refunded/disputed, cashback may be adjusted or revoked.
VII. MCC Exclusion Rules for Card Rewards
To ensure rewards are used for real consumption scenarios, the welcome offer and spending cashback are subject to MCC (Merchant Category Code) rules. Transactions with the following Excluded MCC Codes do not qualify for cashback/rewards:
Financial
4829 – Wire Transfer, Money Order
6012 – Financial Institutions: Merchandise, Services, and Debt Repayment
6051 – Non-Financial Institutions: Foreign Currency, Non-Fiat Currency, Money Orders, Account Funding, Travelers Cheques, and Debt Repayment
6211 – Securities Brokers / Dealers
6540 – Non-Financial Institutions: Stored Value Card Purchase / Load
7299 – Personal Transfers (e-wallets, e.g. Alipay, WeChat, etc.)
Telecom
4711 – Transportation Services (Miscellaneous)
4789 – Transportation Services – Default
4812 – Telecommunication Equipment
4813 – Telecommunication Services
4816 – Computer Network / Information Services
4821 – Telegraph Services
4899 – Cable, Satellite, and Pay TV / Radio Services
4900 – Utilities (Electric, Gas, Water, Sanitary)
Transportation
5542 – Automated Fuel Dispensers
Lottery
7800 – Government-owned Lotteries
7801 – Government-licensed Online Casinos (Online Gambling)
7802 – Government-licensed Horse/Dog Racing
7995 – Betting, Track, Casino, Lotto
Entertainment
7993 – Video Amusement Game Supply
7994 – Video Game Arcades / Establishments
Others
8398 – Charitable and Social Service Organizations
8641 – Civic, Social, and Fraternal Associations
8651 – Political Organizations
8661 – Religious Organizations
Important Note: MCC is determined by the merchant's acquiring bank/payment network, and Zoomex/UR cannot specify them. If a merchant's MCC is classified under an excluded category, even if you consider it a normal transaction, it may not qualify for cashback/rewards.
VIII. Customer Support
- Zoomex Support: For account linking, promotional rewards, etc., please contact support@zoomex.com
- UR Support: For card activation, KYC, payment failure, risk control status, card freezing/suspension, please contact support@ur.app