Please click here for the relevant Key Facts Statement.


HKD Commercial World Mastercard

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

Settle business expenses with Commercial World Mastercard to enjoy up to 2.8% rebate

Unlimited Rebate. No registration required !

Know more  

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

Business Banking Hotline: 21988022

(Press 6 after selecting language)

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 30 June 2022. 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 the customers that have successfully applied for Hang Seng Commercial World Mastercard (“Commercial World Mastercard”) for their Authorized Card User(s) (“Cardholder”) from 1 January 2022 to 30 June 2022 (both dates inclusive) (“Promotion Period”). Each Cardholder who fulfils the spending requirement of HK$5,000 or above within 90 days commencing from card issuance date (“Spending Period”) will be entitled to $400 Cash Dollars (“Welcome Gift”). Each Commercial World Mastercard can enjoy the Welcome Gift offer once under this promotion.
  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. In case of any dispute, the records of Hang Seng Bank Limited (“Hang Seng”) shall be final and conclusive.
  3. Hang Seng has the sole and absolute discretion in determining the eligibility of the customer and the Cardholder for the Welcome Gift based on the transaction records held with Hang Seng.
  4. The Welcome Gift will be credited to the relevant Cardholder’s Commercial World Mastercard account within 2 months after the Spending Period upon the Cardholder who fulfills the relevant spending requirement. The relevant Commercial World Mastercard account should be valid and in good standing when the Welcome Gift is credited.
  5. Where any Welcome Gift has been credited to the relevant Commercial World Mastercard account and the customer and/or the relevant Cardholder subsequently cancel(s) the Commercial World Mastercard account within 13 months from the date of the Commercial World Mastercard issued, the customer is required to return the equivalent amount of the Welcome Gift to Hang Seng. Hang Seng reserves the right to deduct an amount equivalent to the Welcome Gift awarded to the Cardholder directly from the relevant Commercial World Mastercard account with prior notice.
  6. The original sales slips of all posted transaction(s) must be kept. Hang Seng reserves the right to request 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 is not transferrable, and cannot be exchanged for cash or other products.
  9. No person other than the customer, 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 suspend, alter or terminate the above welcome privileges; and vary these terms and conditions at any time without prior notice. 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.