A transaction card includes an audio circuit, housing and an account identifier. The audio circuit includes memory configured to store an audio file having audio properties. The audio circuit is configured to transform at least one audio property of the audio file such that upon playback of the audio file, the audio file sounds different than when the audio file was initially stored to the memory. The housing substantially encloses the audio circuit, and the account identifier links the transaction card to an account or record. The account identifier is machine readable. Other cards, products, assemblies and methods of using such cards, products and assemblies are also disclosed.