Kardynal – Smarter Shopping with Your Prepaid Mastercard® & AI Assistant

Got questions? We’ve got answers.

Everything you need to know about your Kardynal card and service.

How does the Kardynal card work?

Kardynal is a smart prepaid card designed to help you shop online more safely and efficiently. It works like a regular debit card — but with no credit check, no interest, and no risk of overspending. You load money onto the card in advance, and use it at over 300 trusted UK online stores. Once the balance is used, the card simply stops working until you top it up again, giving you full control over your spending.

Where can I use my Kardynal card?

Kardynal is accepted at a wide network of online stores across the UK. This includes leading retailers in fashion, tech, groceries, homeware, and more — such as Argos, Currys, ASOS, Primark (online), Tesco, and many others. You’ll always be able to view the full list of partner stores in your member dashboard.

What makes Kardynal different from a regular prepaid card?

Unlike traditional prepaid cards, Kardynal comes with a built-in AI shopping assistant. This assistant helps you compare products, track price drops, find deals — all from a single interface. Think of it as having a smart shopping companion that not only lets you pay, but also makes sure you’re getting the best value before and after the purchase.

Do I need a credit check to get a Kardynal card?

No, there is absolutely no credit check required. Kardynal is available to anyone, regardless of financial history. All you need to do is create an account, choose your subscription plan, and you’ll get immediate access to your digital card. It’s that simple.

Can I use Kardynal with Apple Pay or Google Pay?

Kardynal is fully compatible with digital wallets like Apple Pay and Google Pay. Once your card is activated, you can add it to your mobile wallet and start using it for contactless online payments or in-app purchases — safely and instantly.

How do I know someone is really following up with the merchant?

Our team drafts and sends the claim on your behalf, and keeps following up until resolution. You’ll receive updates at every step so you always know what’s happening with your case.

What if the merchant refuses to refund me?

If a retailer refuses, our team escalates the case, keeps pressure on the merchant, and provides you with all documentation so you can take further action if needed.

Is the refund assistance available 24/7?

Yes — you can submit a claim anytime. Our team will pick it up and start the process quickly, keeping you updated along the way.

How does the Kardynal card work?

Kardynal is a smart prepaid card designed to help you shop online more safely and efficiently. It works like a regular debit card — but with no credit check, no interest, and no risk of overspending.You load money onto the card in advance, and use it at over 140 trusted UK online stores. Once the balance is used, the card simply stops working until you top it up again, giving you full control over your spending.

Where can I use my Kardynal card?

What makes Kardynal different from a regular prepaid card?

Unlike traditional prepaid cards, Kardynal comes with a built-in AI shopping assistant. This assistant helps you compare products, track price drops, find deals, and manage your orders — all from a single interface. Think of it as having a smart shopping companion that not only lets you pay, but also makes sure you’re getting the best value before and after the purchase.

Do I need a credit check to get a Kardynal card?

No, there is absolutely no credit check required. Kardynal is available to anyone, regardless of financial history.All you need to do is create an account, choose your subscription plan, and you’ll get immediate access to your digital card. It’s that simple.

Can I use Kardynal with Apple Pay or Google Pay?

How do I top up my Kardynal card?

You can top up your Kardynal card directly from your member area. Choose how much you’d like to load, and pay via debit or credit card.
The funds will appear instantly on your Kardynal balance, ready to be spent across the supported online stores.

How does the AI assistant actually help me?

The AI assistant works in the background to simplify your shopping experience.
• When you’re searching for a product, it helps you compare top-rated options based on reviews, specs, and pricing.
• If you’re browsing, it can suggest curated picks tailored to your taste.
• After your purchase, it tracks your orders and assists with returns or refunds if needed.
It’s like having a personal shopping expert available 24/7.

How do I cancel my subscription?

You can cancel your membership anytime.
• In one click from the header link: kardynal.ai/cancel-my-subscription
• Or from your personal dashboard
Once cancelled, you will not be charged for the next billing cycle. You’ll still have access to your card and assistant features until the end of your current period.

Does the AI assistant collect or store my personal data?

Your privacy is our priority. Your personal data is never sold or shared with third-party advertisers. Kardynal uses a secure AI service to power your shopping assistant. The information you provide — such as your product preferences or shopping needs — is used only to generate relevant responses in real-time. These interactions are not used to train AI models and are not stored or linked to your identity. We do not share any personally identifiable information with the AI service. You can also view, export, or delete your AI conversation history anytime from your account.

How can I contact support if I need help?

Our customer support team is here to help 7 days a week.
• You can start a live chat directly from your dashboard
• Email us at help@kardynal.com
• Or call us at +44 20 9911 5599 (UK hours)
We typically respond within one business day or less.

How do I start a refund or return claim?

Simply log in to your member area and fill out the Refund Assistance form. Tell us what happened — whether it’s a damaged product, a lost package, or a delayed refund — and our human agents will take it from there. We’ll contact the merchant, follow up, and keep you updated every step of the way.

Who handles my refund requests — AI or humans?

A real human agent handles every refund and return request. The AI helps gather details and track progress, but a dedicated support specialist manages the communication with merchants to make sure your issue is resolved.

How do I know someone is really following up with the merchant?

Our team drafts and sends the claim on your behalf, and keeps following up until resolution. You’ll receive updates at every step so you always know what’s happening with your case.

What if the merchant refuses to refund me?

If a retailer refuses, our team escalates the case, keeps pressure on the merchant, and provides you with all documentation so you can take further action if needed.

Is the refund assistance available 24/7?

Yes — you can submit a claim anytime. Our team will pick it up and start the process quickly, keeping you updated along the way.

How do I top up my Kardynal card?

How does the AI assistant actually help me?

The AI assistant works in the background to simplify your shopping experience.
• When you’re searching for a product, it helps you compare top-rated options based on reviews, specs, and pricing.
• If you’re browsing, it can suggest curated picks tailored to your taste.
• After your purchase, it assists with refunds if needed.
It’s like having a personal shopping expert available 24/7.

How do I cancel my subscription?

You can cancel your membership anytime:
• In one click from the header link: kardynal.ai/cancel-my-subscription
• Or from your personal dashboard
Once cancelled, you will not be charged for the next billing cycle. You’ll still have access to your card and assistant features until the end of your current period.

Does the AI assistant collect or store my personal data?

How can I contact support if I need help?

Our customer support team is here to help 7 days a week.
• You can start a live chat directly from your dashboard
• Email us at help@kardynal.ai
• Or call us at +44 7445 916608 (UK hours)
We typically respond within one business day or less.

How do I start a refund or return claim?

Who handles my refund requests — AI or humans?

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Your AI shopping assistant backed by real people

One card, 300 stores. Just smarter.

Accepted at 300 UK online stores

No credit checks, no interest

Works with Apple Pay & Google Pay

Discover the power of AI for online shopping

Product Finder & Comparison Assistant

Find the best product in seconds based on your needs, preferences, and budget. Kardynal compares thousands of items instantly so you don’t have to.‍

Review Insights from Trusted Sources

Kardynal analyzes expert reviews from trusted sources across multiple categories and top sites like e-commerce platforms, popular marketplaces and specialized review sites. Get clear pros and cons without reading hundreds of comments.

Deal & Offer Finder

Never miss a discount again. Kardynal scans the web for current prices, promo codes, and offers — and alerts you when prices drop.

Order Tracking & Easy Returns

Track your orders and get help with returns in seconds. Kardynal scans your inbox, finds your receipts, and guides you through each step — hassle-free.

Personal Shopping Assistant

Looking for gift ideas or something specific? Kardynal suggests curated picks tailored to your tastes, habits, and search history.

Product Finder & Comparison Assistant

Find the best product in seconds based on your needs, preferences, and budget. Kardynal compares thousands of items instantly so you don’t have to.‍

Review Insights from Trusted Sources

Kardynal analyzes expert reviews from real runners and top sites like RunRepeat or Believe in the Run. Get clear pros and cons without reading hundreds of comments.

Deal & Offer Finder

Never miss a discount again. Kardynal scans the web for current prices, promo codes, and offers — and alerts you when prices drop.

Order Tracking & Easy Returns

Track your orders and get help with returns in seconds. Kardynal scans your inbox, finds your receipts, and guides you through each step — hassle-free.

Personal Shopping Assistant

Looking for gift ideas or something specific? Kardynal suggests curated picks tailored to your tastes, habits, and search history.

Intelligent shopping starts here. Let AI handle the heavy lifting, you stay in control.

Refund & Assistance guided by experts

Hassle-Free Claims

Merchant Follow-Up

Swift Problem Resolution

Reliable Protection

Transparent Updates

Total Convenience

Got questions? We’ve got answers.

Everything you need to know about your Kardynal card and service.

What Users Say About Kardynal

Surprised it worked this well

Beta experience was solid

Friend told me to try, I stayed

Find the best product in seconds based on your needs, preferences, and budget. Kardynal compares thousands of items instantly so you don’t have to.
‍

Find the best product in seconds based on your needs, preferences, and budget. Kardynal compares thousands of items instantly so you don’t have to.
‍