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    Cards

    Card documents

    Credit Cards for Hang Seng Private/ Prestige Banking Customers

    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 (Effective before 8 April 2026)
    Platinum Card Cardmember Agreement (Effective from 8 April 2026)
    Gold / Credit Card Cardmember Agreement (Effective before 8 April 2026)
    Gold / Credit Card Cardmember Agreement (Effective from 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective before 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective from 8 April 2026)

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

    Important Notes and Key Facts Statement
    Platinum Card Cardmember Agreement (Effective before 8 April 2026)
    Platinum Card Cardmember Agreement (Effective from 8 April 2026)
    Gold / Credit Card Cardmember Agreement (Effective before 8 April 2026)
    Gold / Credit Card Cardmember Agreement (Effective from 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective before 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective from 8 April 2026)

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

    Important Notes and Key Facts Statement
    Platinum Card Cardmember Agreement (Effective before 8 April 2026)
    Platinum Card Cardmember Agreement (Effective from 8 April 2026)
    Gold / Credit Card Cardmember Agreement (Effective before 8 April 2026)
    Gold / Credit Card Cardmember Agreement (Effective from 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective before 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective from 8 April 2026)

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

    Important Notes and Key Facts Statement
    Platinum Card Cardmember Agreement (Effective before 8 April 2026)
    Platinum Card Cardmember Agreement (Effective from 8 April 2026)
    Gold / Credit Card Cardmember Agreement (Effective before 8 April 2026)
    Gold / Credit Card Cardmember Agreement (Effective from 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective before 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective from 8 April 2026)

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

    Important Notes and Key Facts Statement
    Platinum Card Cardmember Agreement (Effective before 8 April 2026)
    Platinum Card Cardmember Agreement (Effective from 8 April 2026)
    Gold / Credit Card Cardmember Agreement (Effective before 8 April 2026)
    Gold / Credit Card Cardmember Agreement (Effective from 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective before 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective from 8 April 2026)

    enJoy Card

    Hang Seng enJoy Visa Platinum Card

    Important Notes and Key Facts Statement
    Cardmember Agreement (Effective before 8 April 2026)
    Cardmember Agreement (Effective from 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective before 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective from 8 April 2026)

    Hang Seng enJoy Spending Card

    Important Notes and Key Facts Statement
    Cardmember Agreement (Effective before 8 April 2026)
    Cardmember Agreement (Effective from 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective before 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective from 8 April 2026)

    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

    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 (Effective before 8 April 2026)
    Cardmember Agreement (Effective from 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective before 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective from 8 April 2026)

    The Racing Club Membership Card

    Important Notes and Key Facts Statement
    Cardmember Agreement (Effective before 8 April 2026)
    Cardmember Agreement (Effective from 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective before 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective from 8 April 2026)

    Other Credit Cards

    Hang Seng World Mastercard

    Important Notes and Key Facts Statement
    Cardmember Agreement (Effective before 8 April 2026)
    Cardmember Agreement (Effective from 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective before 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective from 8 April 2026)

    Hang Seng UnionPay Credit Card

    Important Notes and Key Facts Statement
    Cardmember Agreement (Effective before 8 April 2026)
    Cardmember Agreement (Effective from 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective before 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective from 8 April 2026)

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

    Important Notes and Key Facts Statement
    Cardmember Agreement (Effective before 8 April 2026)
    Cardmember Agreement (Effective from 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective before 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective from 8 April 2026)

    Hang Seng alpha card Spending Card

    Important Notes and Key Facts Statement
    Cardmember Agreement (Effective before 8 April 2026)
    Cardmember Agreement (Effective from 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective before 8 April 2026)
    Principal Liabilities and Obligations under the Terms & Conditions (Effective from 8 April 2026)

    Offers & rewards

    +FUN Dollars

    Terms and Conditions for Hang Seng Credit Card +FUN Dollars and Merchant Dollars Designated Merchants (Effective from 19 April 2026)
    Terms and Conditions for Hang Seng Credit Card +FUN Dollars and Merchant Dollars Designated Merchants (Effective from 9 March 2026 to 18 April 2026 )
    Terms and Conditions for Hang Seng Credit Card +FUN Dollars and Merchant Dollars Designated Merchants (Effective before 9 March 2026)
    Terms and Conditions for Hang Seng Credit Card +FUN Dollars at Online Designated Merchants (Effective from 9 March 2026)
    Terms and Conditions Hang Seng Credit Card +FUN Dollars at Online Designated Merchants (Effective before 9 March 2026)
    Terms and Conditions for Hang Seng Credit Card +FUN Shop (Effective from 9 March 2026)
    Terms and Conditions for Hang Seng Credit Card +FUN Shop (Effective before 9 March 2026)
    +FUN Dollars Gift Parade Terms & Conditions

    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

    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!