On 3 February 2020, the Bonfire terms and conditions were updated to include a decline transaction fee of $0.49. For cards activated after 3 February 2020, this fee will be charged for ‘card not present’ transactions that are declined due to insufficient funds, effective 8 May 2020. From 6 August 2020, this decline transaction fee will also apply to all cards activated before 3 February 2020. The fee will be deducted from the unused value on the card.