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    Cards

    Card documents

    General

    Privacy Notice
    Notes relating to the Relationship Declaration

    Credit Cards for Hang Seng Private/ Prestige Banking Customers

    Hang Seng Visa Infinite Card / Hang Seng Private Banking Visa Infinite Card

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    Hang Seng Prestige World Mastercard

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    Hang Seng MMPOWER World Mastercard

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    Hang Seng Travel+ Visa Signature Card

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    Platinum Card

    Hang Seng Visa Platinum Card

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    Hang Seng UnionPay Platinum Card

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    Renminbi Credit Card

    Hang Seng Renminbi Platinum Card

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    Hang Seng Renminbi Gold Card / Credit Card

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    University / College Affinity Card

    The Chinese University of Hong Kong Platinum Card / Gold Card / Credit Card

    Important Notes and Key Facts Statement
    Platinum Card Cardmember Agreement
    Gold / Credit Card Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    City University of Hong Kong Platinum Card / Gold Card / Credit Card

    Important Notes and Key Facts Statement
    Platinum Card Cardmember Agreement
    Gold / Credit Card Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    Hong Kong Baptist University Platinum Card / Gold Card / Credit Card

    Important Notes and Key Facts Statement
    Platinum Card Cardmember Agreement
    Gold / Credit Card Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    School of Continuing and Professional Studies CUHK Platinum Card / Gold Card / Credit Card

    Important Notes and Key Facts Statement
    Platinum Card Cardmember Agreement
    Gold / Credit Card Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    The Hang Seng University of Hong Kong Platinum Card / Credit Card

    Important Notes and Key Facts Statement
    Platinum Card Cardmember Agreement
    Gold / Credit Card Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    enJoy Card

    Hang Seng enJoy Visa Platinum Card

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    Hang Seng enJoy Spending Card

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    Hang Seng enJoy Commercial Card [1]

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    Hang Seng enJoy Business Card [1]

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    MUJI Card

    MUJI Visa Platinum Card

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    MUJI Visa Card

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    The Hong Kong Jockey Club Membership Card

    The Hong Kong Jockey Club Membership Platinum Mastercard / Gold Mastercard / Private Label Card

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    The Racing Club Membership Card

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    Club Marina Cove Membership Credit Card

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    Other Credit Cards

    Hang Seng World Mastercard

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    Hang Seng UnionPay Credit Card

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    Hang Seng Credit Card (Gold Card / Classic Card) [2][3]

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    Hang Seng alpha card Spending Card

    Important Notes and Key Facts Statement
    Cardmember Agreement
    Principal Liabilities and Obligations under the Terms & Conditions

    Debit Card

    Hang Seng Multi-Currency Debit Mastercard

    Debit Card Terms & Conditions (Effective from 14 Sep 2026)
    Debit Card Terms & Conditions (Effective before 14 Sep 2026)
    Fees & Charges

    Offers & rewards

    +FUN Dollars

    Terms and Conditions for Hang Seng Credit Card +FUN Dollars and Merchant Dollars Designated Merchants
    Terms and Conditions for Hang Seng Credit Card +FUN Dollars at Online Designated Merchants
    Terms and Conditions for Hang Seng Credit Card +FUN Shop

    Credit Card Cash / Spending Instalments

    Credit Card Cash Instalment

    Credit Card Cash Instalment Plan Terms & Conditions
    Credit Card Cash Instalment Plan Key Facts Statement
    Credit Card Cash Instalment Plan Terms & Conditions (applicable to applications submitted before 27 May 2025)

    Credit Card Spending Instalment

    Credit Card Spending Instalment – Personalised Monthly Handling Fee Plan Terms & Conditions
    Credit Card Spending Instalment – Personalised Monthly Handling Fee Plan Terms & Conditions (applicable to applications submitted before 27 May 2025)
    Credit Card Spending Instalment – One-off Handling Fee Plan Terms & Conditions
    Credit Card Spending Instalment – One-off Handling Fee Plan Terms & Conditions (applicable to applications submitted before 27 May 2025)
    Credit Card Spending Instalment – Personalised Monthly Handling Fee Plan Key Facts Statement
    Credit Card Spending Instalment – One-off Handling Fee Plan Key Facts Statement

    Online and Contactless Payment

    Terms & Conditions of Mobile Payment Service
    Terms & Conditions for One-Time Password Online Transaction Authentication
    Octopus Automatic Add Value Service Terms of Application, Agreement and Personal Data (Privacy) Ordinance

    Footnote

    註腳

    注脚

    Other point(s) to note

    1. e-shopping Mastercard cardholders can refer to the Card Benefit Directory and Terms and Conditions for details.

    Remark(s)

    1. For details, please refer to the Terms and Conditions for Hang Seng Commercial Card / Business Card +FUN Dollars Reward / Cash Rebate / Annual Fee Waiver Spending / Affinity Card’s Additional Benefits and Privileges (available only in English and Traditional Chinese).
    2. Gold Card includes Hang Seng USD Gold Card
    3. Classic Card includes Fortune Mastercard Card

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