Designed for daily online and offline transactions and various subscription services. Please note: AI-related subscriptions are NOT supported. Compatible with Apple Pay, Google Pay, Alipay, AlipayHK, and WeChat Pay HK.
💳 Basic Information
Issuing Region: Hong Kong
Card Network: Visa
Settlement Currency: USD
Card Type: Virtual Card
Transaction Fees
Service Fee: 0.8%
Cross-border Fee: 0%
Authorization Fee:
Transaction amount < $30 USD: $0.35 USD / transaction
Transaction amount ≥ $30 USD: $0 USD / transaction
Special Offer: 🎁 Lifetime Zero-Fee Membership waives the above fees. (Note: "Zero-Fee Trial" status does not waive authorization fees. Upgrade to full membership for lifetime benefits).
Other Fees
Issuance Fee: $4.99 USD (First card is $0 USD for new users).
Monthly/Annual Management Fee: $0 USD (Standard fee of $0.50/month is currently waived under a long-term promotion).
Top-up Fee: 0%
Refund Fee: 2.5%
⚠️ Declined Transaction Fee: (Fees incurred due to insufficient balance, frozen or deactivated cards)
Auth amount ≥ 150% of card balance: 5% of Auth amount + $0.50 USD (Min $0.01 / Max $30).
Auth amount between 100%–150% of card balance: 2% of Auth amount + $0.50 USD (Min $0.01 / Max $30).
For Zero-Fee Membership cards: 2% of Auth amount (Min $0.01 / Max $30).
Important Statement: To maintain platform stability, the bank will dynamically adjust fees based on the account's actual Chargeback Rate. Please use your card responsibly to minimize risks.
Transaction Reversal Fee:
Authorized amount ≥ $5 USD: $1.00 USD / transaction.
Authorized amount < $5 USD: $0.20 USD / transaction.
Dispute Resolution Fee: $50 USD per transaction. Applicable if bank intervention is required for disputes with merchants, regardless of the outcome.
Card Cancellation Fee: Please refer to the Card Cancellation Instructions.
Card Rules
Top-up Limits: Initial top-up starts from $10 USD. Subsequent top-ups start from $1 USD (must be in whole increments).
Balance Transfer: A minimum balance of $10 USD must be maintained when transferring funds out. Transfers must be in whole increments.
Freezing/Unfreezing: The card will be frozen if the balance falls below $2 USD. It will automatically unfreeze once the balance reaches $10 USD or more.
Card Termination (By Bank):
Balance falls below $0 USD.
Five (5) consecutive declined transactions.