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    Annualised percentage rates (APR)[1]
    Annual fee[2]

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    Footnote

    Other point(s) to note

    1. Hang Seng Bank Limited ("Hang Seng") reserves the final decision on the approval of credit card, card type and credit limit.
    2. Applicant is required to fulfil the relevant terms and conditions in order to get the welcome gift (where applicable). Please refer to the relevant webpage of the card applied for details.
    3. If you are a full-time university / tertiary student, attending certificate level or above course offered by following accredited education institutions and their subsidiaries, including: accredited universities in Hong Kong, Chu Hai College of Higher Education, Vocational Training Council, Hong Kong Academic of Performing Arts, Caritas Institute of Higher Education (formerly known as Caritas Francis HSU College), Caritas Bianchi College of Careers, Hong Kong Institute of Technology, Hong Kong College of Technology/HKCT Institute of Higher Education, Centennial College, Tung Wah College, Hong Kong Nang Yan College of Higher Education, Caritas Institute of Community Education, HKU Space Po Leung Kuk Stanley Ho Community College, Hong Kong Art School, Pui Ching Academy, Yew Chung Community College and YMCA College of Careers.  Hang Seng may ask for additional documentation at the year of graduation in handling card renewal.
    4. (Applicable to University / College Affinity Card Application) Hang Seng and the related University / institution reserve the right of final decision on the course eligibility and status of applicants in such university / institution.
    5. Credit card online application requires an iOS 13.2 or above version. (Applicable to iPhone users).

    Remarks

    1. The Annualised Percentage Rates ("APR") are reference rates calculated according to the standard method set out in the Code of Banking Practice. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate.
    2. Designated Credit Cards are subject to perpetual annual fee waiver. For details, please read relevant Credit Card Key Facts Statements.