Gardiner said it was a disappointing move by the company.
"It's not your money is it?" she said.
"I feel like it's not your money and they're telling you what to do with your money."
It's the first year she has not been able to purchase gift cards in the 10 years she's belonged to the Christmas Club, Gardiner said.
"Our terms and conditions state that gift cards are excluded from our Christmas Club although after customer feedback we have allowed for The Warehouse and Warehouse Stationery gift cards to be processed as part of the Christmas Club," The Warehouse CEO Pejman Okhovat said in a statement.
Although the policy has been changed back, Gardiner said she's not likely to sign up to the Christmas Club again.
"It was lousy and I think the damage is done by not letting people know."