Speedpay

Item

Fee

Remark

Card Annual Fee

HK$120 per card

The first year's annual fee is included in the application fee, and from the second year onwards, the annual fee will be charged from the card.

ATM Cash Withdrawal Fee

2% (Minimum HK$25 per time)

ATM balance check HK$ 4 per time

FX Fee

2%(Minimum HK$4 per time)

Applicable to spending and ATM transactions with merchants whose place of registration and/or settlement are outside Hong Kong (based on the merchants' setting), applicable exchange rate on processing date for non-HKD or HKD transaction. Refund transactions made in non-Hong Kong regions in non-HKD or HKD will also be charged same fee, and the original transaction fee will not be refunded.

Small Amount Transaction Fee

HK$4 per time

Single Transaction amount below HK$25

Refund Transaction Fee

HK$4 per time

Original transaction fee

Inappropriate Card Usage Transaction Fee

HK$4 per time

Each card is exempt from handling fees for the first three failed transactions due to inappropriate use of products in the month. Transaction failed due to insufficient balance, locked card, incorrect card information entered etc.

Statement Retrieval Fee

HK$80 per copy

Statement issued within the last 12months HK$380 per copy
Statement issued earlier than the latest 12 months

Sales Draft Retrieval Fee

HK$80 per copy

Card Cancellation or Credit Balance Withdrawal Fee

HK$80 per time

Chargeback Fee (1st Application)

Handling Fee: HK$320

Cardholder needs to submit the chargeback application to us formally within 45 days after the suspicious transaction occurs.
Regardless of the outcome of the investigation, cardholder will be liable for the fee.

Chargeback Transaction Fee*2%

This fee is related to the transaction amount. Regardless of the outcome of the investigation, cardholder will be liable for the fee.

Chargeback Fee (2nd Application)

Handling Fee: HK$8,400

Regardless of the outcome of the investigation, cardholder will be liable for the fee.

Case Fee: HK$4,200

If the application had been rejected by the card association for whatever reasons, the fee should be borne by the responsible party.

Interest/Finance Charge

Late Fee

HK$250 per statement cycle

Fail to pay by Payment Due Date

Standard Annual Rate

-Retail Transaction

-Cash Advance

24.47%

(a)The standard annual rate applicable to Co-branded Credit Card will be shown on the Annualized Percentage Rate("APR") Table, card mailer, monthly statement or other notices issued by Co-branded Partners to you from time to time.

(b)Since different products may be subject to different charges or fees, the same standard annual rate charged on different products may result in a different APR.

(d) the interest imposed on Retail Transaction/Cash Advance Transaction is charged from the due date. The interest shown in your credit card statement only covers the interest accrued up to the statement date. Any interest accrued after the statement date will be shown in the next statement. You may contact Us to inquire about how to fully settle the interest charge before the next statement date.

(e) Finance charge levied to a credit card account is subject to a minimum of HK$10.

Interest Free Period

Up to 53 days

Not Applicable

*Credit Card is operated by Speedpay Treasure Global Fintech Limited, the company reserves the right to vary or review the above rates, fees or charges from time to time, subject to notice being served on cardholders.

Effective Date: 2025/10/24