Perceptual Annual Fee Waiver

Annual Fee

Up to 7%

+FUN Dollars Rebate on Foreign Currency Spending

5%

+FUN Dollars Rebate on Local Dining & Transportation Spending

All Details

• Key Features

  • Eligible Foreign Currency Spending in Japan, Korea, Thailand, Singapore and Australia up to 7%

  • Other Eligible Foreign Currency Spending in other countries or regions up to 5%

  • From now till 31 December 2024, enjoy discount for hotel and flight booking at Expedia, Agoda and Trip.com. Terms and Conditions apply.

  • New to card customer can have $700 +FUN Dollars (Spend at least HKD$5,000 within 60 days after card opening)

  • From 1 May to 31 Dec 2024, simply make the payment with a physical Hang Seng Travel+ Visa Signature card, can use HKD10 to redeem a selected combo set at all Starbucks stores in the Hong Kong International Airport. Terms and Conditions Apply.

Dining

• Local dining spending: up to 5% +FUN Dollars (excluding fast food, banquet services, transactions made in private parties / functions, private room events and dining outlets in hotels, department stores, associations and clubhouses）

• From 1 May to 31 Dec 2024, simply make the payment with a physical Hang Seng Travel+ Visa Signature card, can use HKD10 to redeem a selected combo set at all Starbucks stores in the Hong Kong International Airport. Terms and Conditions Apply.

Overseas Spending

Best Credit Cards

Welcome Offers

• New to card customer can have $700 +FUN Dollars (Have an accumulated transaction amount of HKD5,000 within 60 days after card opening)

Cash Back

• Eligible Foreign Currency Spending in Japan, Korea, Thailand, Singapore and Australia up to 7% +FUN Dollars

• Other Foreign Currency Spending up to 5% +FUN Dollars

• Local dining spending: up to 5% +FUN Dollars (excluding fast food, banquet services, transactions made in private parties / functions, private room events and dining outlets in hotels, department stores, associations and clubhouses）

• Local Transportation Spending (including KMB, Citybus, LWB, MTR, tram, Star Ferry (only at ticket counter)) up to 5% +FUN Dollars

• Terms and Conditions Apply.

Annual Interest Rate and Fees

Annual Principal Fee	HK$2,000
Supplementary Annual Fee	HK$1,000
Fee Waiver
Interest Free Period	Up to 56 days
Annual Interest Rate	35.72%
Late Payment Fees	If the Customer fails to make the Minimum Payment Amount on or before the Payment Due Date, a late charge of HK$300 or an amount equal to the Minimum Payment Amount (whichever is lower) will be levied each time.
Minimum Monthly Repayment	The Minimum Payment Amount is HK$300 / CNY300 (subject to card type) or the sum of items (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of items (i) to (iii).
Foreign Currency Transaction Fee	1.95%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	0.5% of the cash advance amount (minimum HK$100)
Overlimit Fee	HK$180

Minimum Income Requirements

Local Resident	HK$150,000

Card Association

Visa

Wireless Payment

Visa payWave	Yes