Card Annual fee

100

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Local payment

0

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Cross-border/Non-default Currency Transaction

1.95%

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Cross-border ATM Cash Withdrawal

2%

With a minimum charge of 20RMB/25HKD/3USD each time，and cross-border/Non-default Currency Transaction Fee is applied.

Local cross-border ATM Cash Withdrawal

50

For each calculation, there is no limit on the amount, and the amount that can be withdrawn depends on the withdrawal limit of the ATM

Expired Card Renewal/Replacement

200

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Card Cancellation( by manual service) per card per time

80

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Card Reissue

200

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Dormant Fee( Monthly)

50

Inactive within 6 months of purchase or no transactions within 6 months after card activation, Dormant Fee will be charged in the 7th month

Long-term dormant account management fee( Monthly)

300

Immediately after 6 months after the dormant account administration fee is charged, the account will be considered long-term dormant and will be billed monthly for the 7th month

Statement Issuance Fee

30

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Penny Amount Online Transaction

1

Penny Amount Transaction means less than 10 RMB / 11 HKD/ 1.5 USD per tranastion

Decline(caused by cardholder)

3

The first 3 times of each month is waived. Payment declined due to insufficient balance or incorrect card information entered during payment will be charged.

Refund

3

Fees will be waived for the first 3 times per month, and charges will start from the 4th time. Special reminder: Each non-Hong Kong area refund transaction has an additional "overseas payment/non-local currency payment" handling fee, which is not waived

Overdue interest

0.005%/Day

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Chargeback

Charged by MasterCard chargeback application fee

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Top-up

2% of the total amount, with a minimum charge of HK$20

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