Once we have received your completed form and all the required documents, your application will be processed within seven working days. You will be notified by post whether your application has been successful.
If you do not pay the total outstanding amount due on your card by payment due date, a Finance Charge and a Late Charge will be billed to your card. Details of how Finance Charge and Late Charge are calculated can be found in our Commercial Banking Tariffs.
If you are holding a Hong Kong dollar (HKD) commercial card, all card transactions effected in currencies other than HKD will be debited to the card account after conversion into HKD at a rate of exchange determined by reference to the exchange rate adopted by Visa International (applicable to Visa Cards) or MasterCard (applicable to MasterCards) on the date of conversion, plus an additional percentage levied by the Bank and any transaction fee(s) charged by 'Visa International (applicable to Visa Cards) or MasterCard (applicable to MasterCards) to the Bank, if applicable, which fees may be shared with the Bank. Same practice applies on transactions effected in currencies other than US dollars on a USD commercial card.