I took a chance and joined the 49Ld ToG Creations group just to get the 500Lds shop credit. I was hoping to be able to pass it on to someone else but it’s definitely not transferrable.
BTW The note that comes with it says for you to NOT rezz it but when you “add” it you do get the pop-up message saying that if you want to make it transfer it then to rezz it and then take it back into your invent, standard thing for a lot of cards, so I gave it a go and nope it’s still non-trans but at least I didn’t lose my credit so I went back and bought this outfit.
Everything but the head lol. That is just some random Gacha prize I’ve picked up along the way. This outfit comes as separates and you get lots of fits as well.
Two more things, sadly you can’t actually use the credit card to buy any of the newer items on the wall to the left of the reception desk and I couldn’t see any other ToG gifts I could see some other gifts for both free/cheap groups.