This study investigated student adoption of university campus card (UCC) applications. A review of smart card, technology adoption and Unified Theory of Acceptance and Use of Technology (UTAUT) literature led to three focus groups and a survey of student perceptions and attitudes towards the university’s campus card. Perceptions of 17 UCC components differed significantly across four student variables – international versus domestic, willingness to load funds, gender, and university level – supporting and extending UTAUT. Willingness to load funds on their UCC differed significantly across 16 out of 17 components, followed by domestic versus overseas students differing on 14 components, university level differing on 13 components and gender on 10. Overall, students reported that extra UCC features would enhance the university’s image, improve their student experience, and encourage them to use UCCs. The results and managerial implications can help universities select and prioritise UCC functions for campus adoption and implementation.