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    Hang Seng Multi-Currency Debit Mastercard

    Terms and Conditions apply.

    Overview

    Get a debit card
    Get a debit card

    Access 12 major currencies and settle transactions directly with just one card, including HKD, USD, CNY, AUD, CAD, CHF, EUR, GBP, JPY, NZD, THB and ZAR. Spend and withdraw cash from Hang Seng and HSBC ATMs locally and globally with no handling fees!

    Get a card now to enjoy the exceptional debit card privileges and earn up to HKD4,640 in cash rebates!

    Key features

    Access 12 major currencies and settle transactions directly
    Unlimited cash rebate on every purchase: 0.5% for Prestige Banking customers and 0.4% for Preferred Banking customers
    Enjoy $0 fees on foreign currency transaction and cash withdrawal, both locally and overseas
    Manage your spending and withdrawal limits via Hang Seng Mobile App
    Apply up to 6 supplementary debit cards for family and friends to enjoy the multi-currency experience

    Terms and conditions apply.

    Offer details

    Designated Overseas Merchants Spending Promotion

    Up to HK$4,400 cash rebate

    From 1 Jan till 31 Mar 2026, enjoy 15% cash rebate when settling eligible transactions at below designated overseas merchants. Eligible spending must be in single transaction during the Promotion. Each customer can earn an accumulated cash rebate up to an equivalent of HKD4,400 in foreign currency (determined by the record of the foreign currency when the transaction is made). Each customer can enjoy the cash rebate from each of the Designated Merchants once. No need to register.

    Designated Overseas Merchants:
    Country Designated Merchants
    Japan Matsumoto Kiyoshi, Don Quijote, Hankyu Department Store and Hanshin Department Store, Daimaru Matsuzakaya Department Stores, Lotte Duty Free Tokyo Ginza, Isetan Mitsukoshi, Mitsui Outlet Park Jazz Dream Nagashima and Mitsui Outlet Park Kisarazu#
    United Kingdom Harrods
    Canada Lululemon#
    Australia Cole# and Woolworths#
    Thailand Emporium Bangkok and Paragon Department Stores

    #Newly added merchants

    Terms and conditions apply, please refer to Useful Information below.

    Up to HKD120 cash rebate

    From 1 Jan till 31 Mar 2026, enjoy a 20% cash rebate when you pay for eligible transactions at the designated overseas public transportation merchants below. Each customer can earn accumulated cash rebates of up to HKD120. No registration is required.

    Country Designated Local Merchants
    Australia

    • Transport for NSW TrainLink

    • Translink
    Canada • Go Transit#
    China

    • 12306 China Railway

    • Beijing Subway

    • GoByBus

    • Shanghai Metro#

    • Shanghai Maglev#

    • Trans-Island Chinalink
    Japan • Japan Railway
    Thailand • Mass Rapid Transit Authority of Thailand
    United Kingdom

    • Lothian Buses

    • Transport for Greater Manchester

    • Transport for London

    #Newly added merchants

    Terms and conditions apply, please refer to Useful Information below.

    Up to HKD120 cash rebate

    From 1 Jan till 31 Mar 2026, enjoy 20% cash rebate when settling eligible transactions at below designated local merchants. Each customer can earn an accumulated cash rebate up to HKD120. No need to register.

    POP MART, Don Quijote, Matsumotokiyoshi, MCL Cinema, Broadway Cinema and Emperor Cinema

    Terms and conditions apply, please refer to Useful Information below.

    How to get a card?

    Primary debit card

    Eligibility

    Only applicable to customers who hold a sole-named Preferred Banking, Prestige Banking or Prestige Private Banking account (including the respective sole-named Family+ account).

    Step 1 / 5
    Log on to Hang Seng Mobile App, tap "Cards" in the left menu "Card Application" "Debit Card Application"

    Eligibility

    If you are aged 12 or above and have a HKID or passport, you can get a supplementary debit card even if you don't have a Hang Seng account. The primary cardholder needs to submit the request for family or friends via Hang Seng Mobile App.

    Step 1 / 6
    Log on to Hang Seng Mobile App, tap "Cards" in the left menu "Card Application" "Debit Card Application"

    Get your debit card in less than a minute and manage it with Hang Seng Mobile App. Download now!

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    Mobile account opening / upgrade

    • Open or upgrade a bank account anytime, anywhere with Hang Seng Mobile App[1]
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    Overseas Transfer with Global Money+

    • $0 handling fee for overseas transfers to CA, UK, US, AU, NZ and over 50 designated countries or regions
    • Same-day arrival at the earliest with a few taps on your Hang Seng Mobile App
    Learn more
    Terms and Conditions apply.

    Useful information

    Need help?

    Chat with H A R O

    Get 24/7 support from our Virtual Assistant.

    Start chat

    Call us

    Preferred 24-hour Banking Manned Hotline: (852) 2822 8228

    Prestige 24-hour Manned Hotline: (852) 2998 9188

    Prestige Private 24-hour Manned Hotline: (852) 2998 8022

    24-hour Report Lost Card Hotline: (852) 2836 0838

    Visit our branches

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    Footnote

    Other point(s) to note

    1. Only applicable to customers holding a sole-named Preferred Banking, Prestige Banking, or Prestige Private Banking account (including the respective sole-named Family+ account).
    2. a) $0 fees on foreign currency transaction and cash withdrawal from Hang Seng and HSBC Group ATM networks. b) Prestige Banking customers when withdrawing cash overseas from non-HSBC Group ATM networks, local banks may charge an additional fee. When withdrawing cash locally from non-HSBC Group ATM networks, there is a charge of HK$20 each time. c) Preferred Banking customers when withdrawing cash overseas from non-HSBC ATM networks, there is a charge of HK$40 each time and local banks may charge an additional fee. When withdrawing cash locally from non-HSBC Group ATM networks, there is a charge of HK$20 each time.
    3. Cash rebate ratio, fees and charges are subject to individual product type. 
    4. Before submitting any information, please read our Important Message to Readers and Internet Privacy Policy Statement.
    5. Android, Google Play and the Google Play logo are trademarks of Google LLC.
    6. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the US and other countries. App Store is a service mark of Apple Inc.
    7. The actual time required may vary depending on the individual circumstances.

     

    Remark(s)

    1. This service is not available to customers who:
      • Only hold joint-named Integrated Accounts
      • Already hold a sole-named Prestige Banking account
      Such customers can make an appointment online to open or upgrade account in any of our branches.

    Risk disclosure

    Currency conversion risk: foreign exchange involves exchange rate risk. The value of your foreign currencies and RMB deposits are subject to exchange rate risk and may result in gains or losses when the exchange rate fluctuates at the time when the transaction amount is debited from your foreign currency or RMB account. It may also result in losses when your foreign currency or RMB account balance is insufficient to pay the transaction amount and need to convert HKD to foreign currency or RMB.