Legal analysis: 1, it depends on how the specific contract terms are concluded. If you enjoyed the discount when you applied for the card at that time, the merchant clearly told you that this could not be refunded, and you agreed, then the money would not be refunded. 2. If the merchant doesn't explicitly tell you that you can't return the card, even if there is a non-return clause in the contract, it is invalid and you can ask for a refund. 3. If the merchant refuses to refund, he can directly call 123 15 to apply to the administrative department for industry and commerce for intervention in the negotiation.

Legal basis: Article 593 of the Civil Code of People's Republic of China (PRC). If one party breaches the contract due to the reason of a third party, it shall be liable to the other party for breach of contract according to law. Disputes between the parties and the third party shall be handled according to law or in accordance with the agreement.