Make late payment

You will subject to pay the late fee and financial charges if you cannot make your card payment before or on due date.

Forget to pay your statement balance on time

If you forget to pay the full statement balance or minimum payment on the payment due date as specified in any monthly statement, then:

  1. The outstanding statement balance will be subject to a finance charge calculated and accrued on a daily basis from the day after the date of the statement; and

  2. Every new transaction posted to the card account after the date of that statement will also be subject to the financial charge accruing from the date such transaction is posted to your card account

  3. Your card account will be regarded as in a delinquent status,

  4. A late fee and a finance charge (adjusted by a delinquency adjustment rate, if applicable) will be charged at the rate shown in the Fee Schedule or any other notice; and

  5. We may suspend your use of the card and/or card account

You need to settle your credit card outstanding balance as soon as possible with several payment methods.


Supplementary information:



Minimum Payment

  • If the total outstanding balance is HK$230 or above, the minimum payment will be the sum of the followings:

    1. All charges, fees, costs, expenses, interests and/or finance charges posted to the current statement of card account;

    2. Any amount in excess of the credit limit incurred after last statement date; and

    3. 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the card account

    Or HK$230, whichever is higher plus any outstanding minimum payment.


  • If the total outstanding balance is less than HK$230, the minimum payment will be the total outstanding balance.

Late Fee

HK$300 or the minimum payment, whichever is lower, per statement cycle.

Finance Charge

  • The standard annual rate applicable to you is shown on the card mailer, monthly statement or other notices issued by the bank to you from time to time

  • Minimum charge: HK$10

  • Finance charge will be calculated at the applicable rate on a 365-day yearly basis

Delinquency Adjustment

  • Delinquency Adjustment Rate is 4.8 %

  • The rate for finance charge will be adjusted in the day after the date of next statement by adding the Delinquency Adjustment (the “Adjusted Interest Rate”) to the applicable standard annual rate if you fail to pay the minimum payment shown on any monthly statement

  • Once the Adjusted Interest Rate has applied, it will continue to apply unless the full amount or at least the minimum payment is paid on or before the payment due date for 6 consecutive monthly statement

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