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Hang Seng Commercial Card is an effective tool for SMEs to handle all company’s purchasing and daily expenses at ease with the advantage of better cash flow management and cost saving benefits.
 Simplify Expense Management
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Consolidate All Bills in One Card
Free from the hassles of handling cheques and petty cash when settling company expenses. |
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Pre-set Credit Limit
Pre-set credit limit to each Commercial Card allowing expense management on each staff at ease. |
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Individual and Consolidated Statements
An individual monthly statement is available to each cardholder. The consolidated statement, monthly account summary and activity reports are available to the company, clearly list out the expense items and transaction amount of all cards, which provide an at-a-glance summary of the total business spending. |
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24-hour Online Financial Management Services(1)
Review, download and manage the transaction information and spending reports of all Commercial Cards online anytime to facilitate accounting process and tax reporting. |
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Online Bill Payment
Enjoy interest-free repayment period and Cash Dollars earnings through bill payments (e.g. business registration fee, telephone bill, etc.) via Hang Seng Business e-Banking(2). |
Enjoy Better Cash Flow |
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Extended Payment of Company Expenses
Maximize cash flow by enjoying an up to 56 days interest-free repayment period with as low as 3% minimum payment. |
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Worldwide Cash Advance
Instant cash available to authorized cardholder to make cash advance via designated ATMs 24 hours worldwide. |
Superior Privileges |
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24-hour Personal Assistant Service(3)
It is like having a personal secretary taking care of all your needs, including dining recommendations and reservations, air-ticket and hotel accommodation bookings, information on worldwide exhibition schedules and corporate gift recommendations, business equipment rental arrangements, worldwide emergency assistance, etc. |
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Print Your Logo on Card Face(4)
You may choose to have your company logo printed on the card face to reflect your company’s distinct identity. |
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Free Travel Insurance
Enjoy free travel insurance of coverage up to HKD2,000,000(5). |
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Unauthorised Spending Protection(6)
It provides protection against company losses arising from employee’s unauthorised use of the Commercial Card of coverage up to USD25,000 per card. |
Spending Rewards |
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Hang Seng Credit Card Cash Dollars
For accumulated every HKD250 in retail spending or cash advance with your card, you can earn $1 Cash Dollar while overseas spending or cash advance (including Mainland China) can earn 2x Cash Dollars, which can be used as instant cash at over 3,300 designated merchant outlets(7) throughout Hong Kong or to redeem gifts or cash coupons at the Cash Dollars Gift Parade. |
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Up to 62% Discount Business Privileges
Enjoy up to 62% discount at over 4,100 merchant outlets in Hong Kong throughout the year, including offers on office equipment, business services, fine dining, hotels and private clubs, etc. Please click here for details. |
Welcome Offers |
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Successfully apply for Hang Seng Commercial Card can get up to $450 Cash Dollars and enjoy a POLYCOM SoundStation2 Conference Phone at 44% off. Please Click here for details. |
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| Demonstration on how to save company expenses with the Hang Seng Commercial Card |
Item |
Spending Amount |
Savings |
Cash Dollars Earning |
Enjoy HKD1,000 off purchase of a multi-function centre
over HKD4,000 at Brother (original price: HKD7,888) |
HKD6,888 |
HKD1,000 |
$27 |
62% off Bonaqua® mineralized water
(original price: HKD1,875) |
HKD700 |
HKD1,175 |
$2 |
10% off stationeries at bigboXX.com
(original price: HKD2,000) |
HKD1,800 |
HKD200 |
$7 |
50% off standard office furnitures at POSH Office
Furniture (original price: HKD30,000) |
HKD15,000 |
HKD15,000 |
$60 |
10% off annual audit services by Bridges Executive
Centre (original price: HKD12,000) |
HKD10,800 |
HKD1,200 |
$43 |
Settle business registration fee, water and electricity
bills through Hang Seng Business e-Banking(2) |
HKD10,000 |
Enjoy interest-free repayment period
of up to 56 days |
$40 |
15% off lunch at Conrad Hong Kong for business
meeting (original price: HKD2,000) |
HKD1,700 |
HKD300 |
$6 |
| Total |
HKD46,888 |
HKD18,875 |
$185 |
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| Remark: The above demonstration is for reference only.
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| (1) |
Only applicable to Hang Seng Commercial MasterCard. |
| (2) |
Each Hang Seng Commercial Card can earn a maximum of $200 Hang Seng Credit Card Cash Dollars (“Cash Dollars”) in a month through bill payments via Hang Seng Business e-Banking (excluding bill payments under Inland Revenue Department). Use of Cash Dollars is subject to terms and conditions for Hang Seng Credit Card Membership Rewards Programme, please call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6868. |
| (3) |
Personal Assistant Service and its information are provided by Visa / MasterCard International/ other third party service providers and Hang Seng Bank Limited ("Hang Seng") assumes no responsibilities for such service and information. Customer agrees to be bound by the terms and conditions for the service provided by Visa / MasterCard International/ other third party service providers which may be amended from time to time. For any claims, disputes and complaints regarding such service and information, customer should refer directly to Visa / MasterCard International/ other third party service providers. Customers may need to provide personal data or other information to Visa / MasterCard International/ other third party service providers for the purpose of provision of the service to customer. In case the provision of any such service incurs any charges (including but not limited to any applicable local tax or any commission payable to any agent), the customers shall be responsible for such charges. |
| (4) |
HKD100 annual administration fee will be charged for printing of company logo for each Hang Seng Commercial Card. |
| (5) |
To enjoy maximum 60 days free travel insurance with up to HKD2,000,000 indemnity limit, cardholder is required to make payment on the fares/invoices of the package tour, one-way ticket or round trip tickets before departure from Hong Kong with Hang Seng Commercial Card. The scope of coverage, exclusions, indemnity limits and compensation are subject to the detailed terms and conditions of the relevant insurance policy, please call our 24-hour Personal Assistant Hotline 2398 0000 for details. |
| (6) |
The service is only applicable to Hang Seng Commercial MasterCard. It provides protection of up to USD25,000 per card (for companies with 5 cards or above) or up to USD7,500 per card (for companies with 2-4 cards) and the protection period is from 75 days prior to and 14 days after the employee's termination date. The scope of coverage, exclusions, indemnity limits and compensation are subject to the detailed terms and conditions of the relevant insurance policy. Please call our 24-hour Personal Assistant Hotline 2398 0000 for details.
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| (7) |
Cash Dollars are not applicable at designated merchants’ counters in department stores, and selected outlets of individual designated merchants; individual designated merchant requires minimum spending for redemption of Cash Dollars, please check with the respective merchants for details. Use of Cash Dollars is subject to the terms and conditions for Hang Seng Credit Card Membership Rewards Programme, please call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6868. |
| (8) |
Only applicable to customers who apply for Hang Seng Commercial Card online. Customers shall provide all required documents in order to get the HKD50 Supermarket cash coupon. The coupon will be sent to the customer within 6 to 8 weeks after Hang Seng receives the card application form and the required documents. Please refer to the back of the relevant Supermarket cash coupon for the terms and conditions of the usage.
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Note: The English version of the above shall prevail whenever there is a discrepancy between the English and Chinese versions. Hang Seng reserves the right to suspend, vary or terminate any promotion offers and to amend the Terms and Conditions thereof at any time without further notice. In case of any disputes, the decision of Hang Seng shall be final. |
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Contact
Us
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Call Business Partner Direct 2198 8000 to apply |
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Visit
our Business
Banking Centres |
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Email
Us |
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24-hour Personal Assistant Hotline 2398 0000 |
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24-hour Report Loss Card Hotline 2836 0838 |
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