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HKD Commercial World Mastercard

Multiple e-Commerce Privileges for Your Business to Enjoy Cost Savings and Greater Online Purchase Protection

How to apply?

Get HKD Commercial World Mastercard and unlock multiple e-Commerce Privileges for Your Business

Complete and submit the application form via mail or choose to walk in to Hang Seng Banking Centre or any of our branches with the necessary document(s).

HKD Commercial World Mastercard

Manage your business expenses with HKD Commercial World Mastercard and get the flexibility you need for convenient on-the-go payment. It’s the card that allows you to simplify your business travel needs, provides you superior privileges and comprehensive protection while enjoying world class advantages.


Exclusive offers

Exclusive offers are available while enjoying spending spree

Comprehensive protection

E-commerce and Liability Waiver Protection provide you with greater sense of security

Expense management

Streamline account reconciliation with the use of expense management platform

Superior Privileges

Series of members privileges and services for enjoyment


Apply Now!

Commercial Card Document Upload

Commercial Card Document Upload

Contact Us

Call Customer Service Hotline 2998 8222
Call Business Partner Direct

Hong Kong: 2198 8000

Mainland Toll-free#: 4001-20-8288  

Call Customer Service Hotline
Call Customer Service Hotline 2998 8222
Call Report Loss Card Hotline 2836 0838
Call Report Loss Card Hotline 2836 0838

Welcome Offer

Get $400 Cash Dollars Rebate when you sign up today*

Successfully apply for Hang Seng Commercial World Mastercard to get $400 Cash Dollars Rebate from now till 31 December 2021. What’s more, you can enjoy 2 years annual fee waiver on your cards.

*T&C for the offer

Successfully apply for HKD Commercial World Mastercard 

$400 Cash Dollars Rebate



*To borrow or not to borrow? Borrow only if you can repay!

Important Note on Engagement of Intermediaries:

Hang Seng Bank Limited (the “Bank”) does not accept any commercial card applications referred by any third parties. For enquiries, please call our 24-hour Business Partner Direct at (852) 2198 8000.

  1. The welcome privileges are valid for Authorized Card User (“Cardholder”) who submits Hang Seng Commercial World Mastercard (“Commercial World Mastercard”) or Hang Seng Platinum Commercial Card (“Visa Commercial Card”) application(s) between 19 July 2021 to 31 December 2021 (both dates inclusive) (“Promotion Period”) in which the application(s) is/are successfully approved. Upon spending accumulated transaction amount of HK$5,000 or above on Eligible Transactions within 90 days commencing from card issuance date (“Spending Period”), Cardholder will be entitled to $400 Cash Dollars rebate (“Welcome Gift”).
  2. Eligible transactions include local and overseas retail spending, billed instalments made during the Spending Period, but exclude the redemption of Cash Dollars/Merchant Dollars, use of cash or gift vouchers or other discounts or offers, online bill payments via Hang Seng Business e-Banking (including but not limited to water bills, electricity bills, insurance premiums, payment to other banks and credit cards, etc.), tax payments, phone / fax orders (including bill payments and purchases), cash coupon purchase, split transactions, "Octopus Automatic Add-Value Service" auto top-up amounts (including but not limited to reloading of Smart Octopus via e-wallets or other channels), purchase and / or reload of stored value cards or e-wallets, transactions via e-wallets, purchase of products / services at financial / non-financial institutions (including but not limited to, foreign currency, money orders, travellers’ cheques, deposits and money transfers and Trading Platform spending in Plus500, etc.), cash advances, handling fee for cash advances transactions, casino chip purchases, auto pays, any transactions under recurring payment instruction, annual fees / handling fees / finance charges / late charges of credit cards, any transactions which are eventually cancelled / returned/ refunded/ found to be fraudulent. Only net spending amount is eligible for calculating the designated spending amount. Hang Seng will determine the eligibility of the customers for all welcome gifts based on transaction records held by Hang Seng. In case of discrepancy, Hang Seng’s records shall be final and conclusive.
  3. Hang Seng has the sole and absolute discretion in determining the eligibility of customer's transaction(s) for the Welcome Gift
  4. The Welcome Gift will be credited to Eligible Customer’s Commercial World Mastercard or Visa Commercial Card account within 2 months after the Spending period. The relevant Commercial World Mastercard or Visa Commercial Card account should be valid and in good standing when the Cash Dollars are credited.
  5. If a customer has received the Welcome Gift and subsequently cancels the Commercial World Mastercard or Visa Commercial Card account within 13 months from the date of the account opening, a handling fee of an equivalent amount with the value of the welcome offer received will be charged.
  6. Customers are required to keep original sales slips of all posted transaction(s). Hang Seng reserves the right to request customers to provide the relevant original sales slips for verification. All sales slips submitted to Hang Seng will not be returned.
  7. Use of Cash Dollars is subject to the terms and conditions of Hang Seng Commercial Card Membership Rewards Program. For details, please call our 24-hour Hang Seng Credit Card Customer Service Hotline 2998 8222.
  8. The welcome gifts are not transferrable, and cannot be exchanged for cash or other products.
  9. No person other than the Cardholder and Hang Seng (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these Terms and Conditions.
  10. Hang Seng reserves the right to alter or terminate the above welcome privileges and relevant terms and conditions. In case of any disputes, Hang Seng reserves the right of final decision.
  11. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
  12. These Terms and Conditions are subject to prevailing regulatory requirements.
  13. In the event of any discrepancy or inconsistency between the English version and the Chinese version of these terms and conditions, the English version shall apply and prevail.

# 24-hour Business Partner Direct - Mainland (Toll-free) allows you to contact us for free even when staying in Mainland China. This hotline is applicable to general enquiries on commercial banking services only, but not enquiries/transactions of investment related matters. The toll-free hotline can be accessed from mobile lines, fixed telephone lines, payphones and call cards. Please note that Hang Seng Bank Limited (the "Bank") assumes no responsibilities for charges by any phone/telecommunications service providers, as well as all claims, disputes and complaints in relation thereto.