Hang Seng Credit Card Cash Dollars - Hong Kong

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2 Contents Hang Seng Commercial Card / Corporate Card 1. Important Points to Remember 2. Customer Privileges Better Business Expense Management Financial Flexibility Superior Privileges Hang Seng Credit Card Membership Rewards Programme Comprehensive Protection 3. Questions & Answers 4. Contact Us hour Global Assistance Service Hotline Visa MasterCard 中 文 版 Page 3 Page 5 Page 7 Page 8 Page 10 Page 12 Page 13 Page 15 Page 16 Page 16 02

3 Important Points to Remember Sign Immediately Please sign on the signature panel on the back of the Hang Seng Commercial Card / Corporate Card with a ball pen immediately during card collection, if the name and company name embossed on the card are correct. Keep Your Commercial Card / Corporate Card and PIN to Yourself Think of your Commercial Card / Corporate Card as cash and keep it safely, you should: memorise your Personal Identification Number ("PIN") and destroy your PIN advice at once. keep your Commercial Card / Corporate Card and your PIN separately. under no circumstances reveal the PIN to anyone. not allow anyone else to use your Commercial Card / Corporate Card and / or your PIN. not write down your PIN on the Commercial Card / Corporate Card or on anything usually kept with the Commercial Card / Corporate Card, or write down or record your PIN without disguising it. check your Commercial Card / Corporate Card periodically to ensure it is always in your possession. change your PIN through ATMs from time to time. The use of your Hong Kong Identity Card number, passport number, date of birth, telephone number or other easily accessible personal information as your PIN is not recommended. Please note that mobile phones are possible causes of Commercial Card / Corporate Card magnetic stripe malfunction. Kindly avoid placing them together. Attention: If your Commercial Card / Corporate Card is lost or stolen or misused, you and your company are liable to Hang Seng Bank Limited ( Hang Seng ) for all unauthorised Commercial Card / Corporate Card transactions up to HK$500 before Hang Seng is actually notified of such event. This limit is only applicable to loss directly related to the Commercial Card / Corporate Card account and does not cover cash advances. Subject to applicable laws and regulations, however, you and your company shall be liable for all cash advances, withdrawals, transfers and transactions (whether or not authorised) effected with the use of the PIN before Hang Seng is actually notified of the loss or theft or unauthorised disclosure of the PIN. Further, you and your company are liable for all unauthorised transactions if you and / or your company have / has acted fraudulently or with gross negligence or have failed to inform Hang Seng as soon as reasonably practicable upon notice or suspicion of any loss, theft or unauthorised disclosure of your cards and / or PIN or failed to follow the safeguards set out above. Commercial Card / Corporate Card / Lost Card / PIN Report Upon notice or suspicion that Commercial Card / Corporate Card / PIN is lost, stolen or misused, report it as soon as reasonably practicable through our 24-hour Report Lost Card Hotline To ensure immediate handling and maximum protection, please do not report loss by fax. You should not use the PIN for account and accessing other services (for example, connection to the Internet or accessing other websites). Furthermore, you should refer to the security advice provided by Hang Seng from time to time. 03

4 We Are at Your Service at All Times Through our 24-hour Personal Assistant Hotline , you can use the automated telephone service to: enquire about your Commercial Card / Corporate Card account balance and available credit limit. enquire details on Hang Seng Credit Card Membership Rewards Programme such as Hang Seng Credit Card Cash Dollars balance, Year-round Privileges and the latest promotion offers. enquire about other services. talk to our Customer Service Representatives. Your Commercial Card / Corporate Card Phone Service PIN will be mailed to you within 2 weeks upon the issuance of Card Collection Advice (For details of the automated telephone service, please refer to the User Guide of 24-hour Personal Assistant Hotline in Page 15). 04

5 Customer Privileges Tailor-made for companies, Commercial Card / Corporate Card accomodate the settlement of company expenses including business travel and entertainment, etc. with one card. Settle all company expenses once a month to save you the hassles of item-by-item payment. Individual and consolidated statements for clearer reporting. Giving you an at-a-glance summary of your operating expenses. Online Financial Management Service provides an instant picture of card spending. Up to 56-day interest-free repayment period for extra financial flexibility. As low as 3% minimum monthly repayment giving you greater cash flow flexibility and a standby facility for short-term liquidity needs. (Only applicable to Commercial Card.) Superior business privileges including 24-hour Personal Assistant Service which is like a secretary to take care all your needs. Print your company logo on the card face to enhance your corporate image. Accumulated amount from retail spending made with the card can earn Hang Seng Credit Card Cash Dollars or it can be used to enjoy a wide range of spending offers. Free travel insurance and comprehensive liability protection for extra peace of mind. Better Business Expense Management Benefits of Individual Statement plus Consolidated Statement 1 You can settle all kinds of business expenses with your Commercial Card / Corporate Card, including expenses of entertainment, mobile phone service, insurance premium, courier service, air ticket, crossborder bus/train ticket, etc. All company expenses will be settled once a month to save you the hassles of issuing cheques or paying petty cash from time to time. An individual monthly statement with all transactions listed is available to each Commercial Card / Corporate Card for easy verification. Your company will receive a consolidated monthly statement and can choose to receive monthly account summary report and monthly account activity report, clearly listing the expense items and transaction amount of all cards which provide an at-a-glance summary of the business spending. 1 The consolidated monthly statement only lists the total amount of expenditure of each Hang Seng Commercial Card / Corporate Card but not individual expense items. 05

6 24-hour Online Financial Management Service 2 Through a unique ID and password, authorised employees can access MasterCard smartdata.gen2 online. It offers a free and easy 24-hour access that allows you to review, download and manage the transaction information and spending reports of all Commercial Cards / Corporate Cards for the past 36 months online anywhere. This is a secure service that helps simplify your company's financial management procedures and provides more control over costs and expenses. 2 Only applicable to Hang Seng Commercial MasterCard / Corporate MasterCard. Online Bill Payment Service You can register Hang Seng Business e-banking service for free and enjoy Online Bill Payment service (e.g. business registration, electricity and telephone service fees, etc.) with up to 56-day interest-free repayment period and Cash Dollars 3 earnings. 3 Each card can earn a maximum of $200 Hang Seng Credit Card Cash Dollars in a month through bill payments via Hang Seng Business e-banking (excluding bill payments under Inland Revenue Department). Please refer to Page 11 regarding the related details. 06

7 Financial Flexibility Alluring Privilege of up to 56-day Interest-free Repayment Period 4 With Commercial Card / Corporate Card, you are entitled to an interest-free repayment period of up to 56 days, giving you extra financial flexibility. 4 Interest-free repayment period for Hang Seng Visa Commercial Card / Commercial MasterCard / Visa Business Card is up to 56 days. For Hang Seng Corporate MasterCard, the interest-free repayment period is up to 48 days. As Low As 3% Minimum Monthly Repayment 5 It's totally up to you to repay your bills in full or in part, so as to take advantage of the extra low minimum repayment at 3% of the statement balance or HK$50 (whichever is higher). You can now enjoy greater cash flow flexibility and a standby cash facility for your short-term liquidity needs. 5 Only applicable to Hang Seng Commercial Card. 24-hour Worldwide Cash Advance Service 6 You can make a cash advance of up to your available credit limit anytime at HSBC Group, Visa / PLUS (applicable to Visa Commercial Card / Corporate Card) or MasterCard / Cirrus (applicable to Commercial MasterCard / Corporate MasterCard) ATM network or at all banks and financial institutions participating in the Visa / MasterCard Service Programme around the world. 6 Only applicable to the Hang Seng Commercial Card(s) / Corporate Card(s) authorised to have cash advance service. A handling fee will be charged per transaction and the cash advance amount cannot exceed the available credit limit of Hang Seng Commercial Card / Corporate Card or the limit of ATM (whichever is lower). For details of the service and its charges, please call our 24-hour Personal Assistant Hotline Autopay Repayment All outstanding balances will be directly debited from your company's designated bank account on the payment due date by autopay for added convenience. Please visit hangseng.com or click here to download the Hang Seng Commercial Card / Corporate Card Direct Debit Authorisation Form. 07

8 Superior Privileges 24-hour Personal Assistant Service 7 Commercial Card / Corporate Card customers can enjoy the 24-hour Personal Assistant Service which is like having a personal secretary to take care all your business needs, including dining reservations, airticket and hotel booking, transportation arrangements, business equipment rentals arrangement, emergency assistance and gift recommendations. No matter it is business meeting or staff gathering, local and worldwide dining recommendations and reservations, is right there. For business trip or company annual incentive trip, air-ticket and hotel booking with pre-trip advice are available. We can provide information on worldwide exhibition schedules as well as recommend corporate gifts and even arrange purchasing and delivery. We can also arrange rental of business equipment to lessen your business burden. No matter where you are, our worldwide emergency assistant service can arrange emergency cash advance, travel document replacement, medical and legal assistance, roadside repair and towing assistance, etc - anytime, anywhere. And there s more... To enjoy 24-hour Personal Assistant Service, simply call our 24-hour Personal Assistant Hotline (852) The 24-hour Personal Assistant Service and related information are provided by Visa / MasterCard International / other third party service providers and Hang Seng assumes no responsibilities for such service and information. Customer agrees to be bound by the terms and conditions for the service provided by Visa / MasterCard International / other third party service providers which may be amended from time to time. For any claims, disputes and complaints regarding such service and information, customer should refer directly to Visa / MasterCard International / other third party service providers. Customers may need to provide personal data or other information to Visa / MasterCard International / other third party service providers for the purpose of provision of the service to customer. In case the provision of any such service incurs any charges (including but not limited to any applicable local tax or any commission payable to any agent), the customers shall be responsible for such charges. 08

9 Print your Logo on the Card for Enhanced Corporate Image 8 To reflect your company's distinct identity, your company logo can be printed on the card face. Company logo Company logo Company logo Company logo 8 Not applicable to Affinity Commercial Card and HK$100 annual administration fee will be charged for printing of company logo for each Hang Seng Commercial Card / Corporate Card. Discount on Hang Seng Insurance Premium Customers can enjoy premium discount upon joining any Hang Seng general insurance plans with your Commercial Card / Corporate Card. For details, please call our Hang Seng General Insurance Hotline

10 Hang Seng Credit Card Membership Rewards Programme Hang Seng Credit Card Cash Dollars For every HK$250 retail spending made with your Commercial Card / Corporate Card, you can earn $1 Cash Dollar, which can be used as instant cash at thousands of designated merchant outlets 9 throughout Hong Kong or to redeem gifts or cash coupons online at the Cash Dollars Gift Parade. Commercial Card customers can even earn 2x Cash Dollars from overseas spending (including Mainland China). When spending with your Commercial Card / Corporate Card at any designated merchant outlets, simply indicate that you will be using Hang Seng Credit Card Cash Dollars before payment, the shop personnel will then make the arrangement for you: Spending amount = Cash Dollars balance Spending amount < Cash Dollars balance Spending amount > Cash Dollars balance Cash Dollars will be used to pay for the full price of the merchandise Cash Dollars will be used to pay for the full price of the merchandise, and the remaining Cash Dollars can be reserved for next purchase. All Cash Dollars will be debited and the difference will be charged to your Commercial Card / Corporate Card Cash Dollars accumulated from your last Commercial Card / Corporate Card annual renewal month to the next annual renewal month will be valid for 15 months. Cash Dollars Balance can be checked via Hang Seng Business e-banking or call our 24-hour Personal Assistant Hotline for enquiry. 9 Cash Dollars are not applicable at designated merchants counters in department stores, and selected outlets of individual designated merchants; individual designated merchant requires minimum spending for redemption of Cash Dollars, please check with the respective merchants for details. Use of Cash Dollars is subject to the Terms and Conditions for Hang Seng Credit Card Membership Rewards Programme, please call the 24-hour Personal Assistant Hotline for details. 10

11 Annual Fee Waiver Privilege Spend or make cash advance with Commercial Card / Corporate Card can enjoy Annual Fee Waiver upon achieving designated spending amount. Spending amount is accumulated on the basis of each individual Commercial Card / Corporate Card account and is valid for 12 months from the card annual renewal month. Accumulated Amount of Retail Spending and Cash Advance Full Annual Half Annual Fee Waiver Fee Waiver Hang Seng Commercial Card HK$20,000 HK$10,000 Hang Seng Corporate Card HK$40,000 HK$20,000 11

12 Comprehensive Protection Free Travel Insurance 10 If you use your Commercial Card / Corporate Card to make payment for package tour or one-way / round trip transportation tickets before departure from Hong Kong, you can enjoy maximum 60 days free travel insurance including: Limit of Indemnity Travel accident indemnity Accident medical allowance Trip cancellation Loss of luggage Delay of luggage Delay of flight Up to HK$2,000,000 Up to HK$100,000 Up to HK$20,000 Up to HK$5,000 Up to HK$1,500 Up to HK$1,500 Unauthorised Spending Protection 10 Any company with 2 or more Hang Seng Commercial MasterCard / Corporate MasterCard can enjoy an unauthorised spending protection for free. It provides protection against company losses arising from employee s unauthorised use of the card of up to US$7,500 per card (applicable to companies with 2-4 cards) or up to US$25,000 per card (applicable to companies with 5 cards or above) and the protection period is from 75 days prior to and 14 days after the employee termination date. For details, please call our 24-hour Personal Assistant Hotline The scope of coverage, exclusions, indemnity limits and compensation are subject to the detailed terms and conditions of the relevant insurance policy, please call our 24-hour Personal Assistant Hotline for details. 12

13 Questions & Answers 1 What are my liabilities for the loss or unauthorised disclosure of my Commercial Card / Corporate Card or PIN? If your Commercial Card / Corporate Card is lost or stolen or misused, you and your company are liable to Hang Seng for all unauthorised Commercial Card / Corporate Card transactions up to HK$500 before Hang Seng is actually notified of such event. This limit is only applicable to loss directly related to the Commercial Card / Corporate Card account and does not cover cash advances. Subject to applicable laws and regulations, however, you and your company shall be liable for all cash advances, withdrawals, transfers and transactions (whether or not authorised) effected with the use of the PIN before Hang Seng is actually notified of the loss or theft or unauthorised disclosure of the PIN. Further, you and your company are liable for all unauthorised transactions if you and / or your company have / has acted fraudulently or with gross negligence or have failed to inform Hang Seng as soon as reasonably practicable upon notice or suspicion of any loss, theft or unauthorised disclosure of your cards and / or PIN or failed to follow the safeguards set out above. 2 What are the procedures for cancelling my Commercial Card / Corporate Card? You may cancel or suspend the Commercial Card / Corporate Card at any time by giving written notice to Hang Seng and returning the Commercial Card / Corporate Card which must be cut in half. However, you and your company are still jointly and severally liable for any payment and cash advance arising from the use of the card until the card has been returned to Hang Seng or until Hang Seng is able to implement the procedures applicable to lost card. Please notify your company after the cancellation of your Commercial Card / Corporate Card. 3 How do I suspend PIN services? You may suspend the PIN services by giving written notice to Hang Seng. If the PIN is disclosed or suspected to have been disclosed to any other person, you can either change the PIN immediately at any local ATMs of Hang Seng or HSBC Group or report the incident directly to Hang Seng to stop the use of the card. Please notify your company after PIN services suspension. 4 How do I report the loss of my Commercial Card / Corporate Card or PIN? You and / or your company must as soon as reasonably practicable report to Hang Seng through the 24-hour Report Lost Card Hotline Please do not report the loss or theft by fax. Hang Seng will act on the telephone notification provided that your and / or your company s identity can be established. At the request of Hang Seng, you and / or your company should confirm in writing the details of the telephone notification. Hang Seng reserves its right to issue a replacement card and / or a new PIN. Please notify your company if you have reported loss of your Commercial Card / Corporate Card / PIN. 13

14 5 Can I increase my Commercial Card / Corporate Card credit limit or apply / withdraw the cash advance facility? You can visit any Hang Seng branches or call our 24-hour Personal Assistant Hotline to obtain a Hang Seng Commercial Card / Corporate Card Application Form for Amendment of Usage. Please be reminded that the written notice or the Form returned must bear the company's authorised signatory(ies) (all authorised signatory(ies) as specified in the Board Resolution for limited company) with company chop and we shall process immediately. 6 What should I do if I discover any errors on my monthly statement? In the event of any errors like unauthorised use of the Commercial Card / Corporate Card or dispute regarding statement discrepancies, you and / or your company can report by fax to or mailed to Hang Seng Bank Limited, P.O. Box 74147, Kowloon Central Post Office, within 60 days of the statement date or call the 24-hour Personal Assistant Hotline Hang Seng reserves the right to regard the statement as conclusive should you and / or your company fail to contact Hang Seng within the specified period. The above error / dispute resolution procedures are also applicable to complaints against merchant outlets arising from the use of the Commercial Card / Corporate Card or the reporting of unauthorised transactions. 7 What is the method of applying exchange rates and / or levies to transactions in foreign currencies or cross-border transactions? Foreign currency transactions will be converted into Hong Kong Dollars at a rate selected by Visa / MasterCard Worldwide from the range of rates available in wholesale currency markets for the applicable conversion date or the government-mandated rate in effect for the applicable conversion date, in each instance plus 1.95% (inclusive of the reimbursement charge levied by Visa / MasterCard International on Hang Seng). 8 What are the annual fee, interest and other fees for my Commercial Card / Corporate Card? For details, you can pick up the Fees and Charges Leaflet of relevant credit card services at any Hang Seng branches or contact our 24-hour Personal Assistant Hotline What should I do if I lost or cancelled Commercial Card(s) / Corporate Card(s) registered with PPS? If you register Payment by Phone Service ("PPS") with a Commercial Card / Corporate Card, the service will be cancelled automatically. In case of card loss, please register again upon receipt of the new card to continue enjoying PPS. 10 What should I do if I want to cancel the recurring payment instructions? If you want to cancel recurring payment instructions, such as mobile phone monthly service fee, you may contact the relevant merchants to take necessary action accordingly. 14

15 Contact Us No matter you are in Hong Kong or overseas, you can manage your Commercial Card / Corporate Card account and enjoy free assistance and concierge service through the 24-hour Personal Assistant Hotline If you are located overseas, you can call the hotline through a toll-free international call operator to connect to Hang Seng Card Centre for assistance. User Guide of 24-hour Personal Assistant Hotline Step 1 Select Language 1 Cantonese 2 Putonghua 3 English Step 2 Select Service Lost Card Reporting General Enquiries Lost Card Reporting Credit Card Account Balance, Payment Details, Change of Credit Card Phone PIN and Other Account Related Services Credit Card Account Outstanding Balance and Available Credit Limit Next Payment Due Date, Statement Balance and Minimum Payment Amount Last Payment Record Enquiries Change of Credit Card Phone PIN Re-issue of ATM PIN Apply for Credit Card, New Card Application Status and Get Related Forms by Fax Get Credit Card Application Form by Fax Credit Card Application Status Enquiries Details of Promotion Offers and Get Related Forms by Fax Details of Hang Seng Credit Card Membership Rewards Programme and Get Related Forms by Fax Details of Hang Seng Credit Card Cash Dollars Rewards Get Hang Seng Credit Card Cash Dollars Gift Parade s Gift and Cash Coupon Redemption Details by Fax General Credit Card Information Enquiries Payment Methods Cash Advance Information Get Change of Address Form Get Autopay Form Talk to Customer Service Representatives 15

16 Global 24-hour Customer Service and Assistance Visa Global Customer Assistance Services Toll-free Number 11 Country Telephone Number Country Telephone Number Australia Belgium Canada Denmark France Germany Hong Kong Indonesia Italy Japan Luxembourg Malaysia Netherlands New Zealand Portugal Singapore Spain Sweden Switzerland Taiwan Thailand United Kingdom United States If the country you are located in is not listed above, please make a collect call through an international call operator at for assistance. MasterCard 24-hour Global Service Hotline 11 Country Telephone Number Country Telephone Number Australia Canada France Germany Hong Kong Italy Japan Malaysia New Zealand Singapore Thailand United Kingdom United States If you are located in a country that is not listed above, please make a collect call to the United States for emergency assistance. 11 Telephone numbers are subject to change without prior notice. 16