What are the card fees?

Our Payment Card is denominated in Hong Kong Dollars (HKD). Here's how the fees work for different currency transactions:

• Transactions made in HKD: There are no conversion fees as the transaction is already in the card's denominated currency.
• Transactions made in currencies other than HKD: For transactions in any other currency, a conversion fee of 1.99% will apply. This fee covers the services to convert the transacting foreign currency to HKD.
• For ATM withdrawals, an additional charge of 1.99% applies.