The new Hang Seng Commercial Multi-Currency Debit Mastercard (Commercial Debit Card), specifically designed for business professionals, which offers a suite of premium benefits to help you save costs and earn from spendings. Power Up every business opportunity in ever-changing environment!
3 Flagship Rewards
For Existing Customers
Apply Card Now
Apply Card Now
Log in to Hang Seng Business e-Banking via desktop and submit an application.
For step-by-step instructions, please refer to the Commercial Debit Card Application User Guide
For step-by-step instructions, please refer to the Commercial Debit Card Application User Guide
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^18% cash rebate is only applicable to new Hang Seng Commercial Bank debit card user on the eligible transactions.
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10% cash rebate is only applicable to existing Hang Seng Commercial Bank debit card user on the eligible transactions.
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Unlimited 0.5% cash rebate are available for any eligible spending, with an extra 0.5% rebate for designated spending as part of the Double-Up Offer. Each cardholder can earn an additional rebate of up to HK$225
Activation Offer, Double-Up Offer and the Lucky Draw are subject to the Terms & Conditions.
Smart Savings
Save on Various Fees with Waivers
Full waiver on foreign transaction fees and annual fee, and no handling fee for local cash withdrawals from HSBC Group network ATMs in Hong Kong
Exclusive Discounts to Save Costs
Exclusive World Mastercard benefits and discounts to help you save costs in your daily operations
Save Time with Convenient Payment
Supports both online and offline transactions, pay directly from the linked business account with ease, allowing you to save time and streamline your payment processes
Global ATM Network Access
Cashless travelling, you can withdraw cash from HSBC Group and Mastercard network ATMs worldwide, saving your time and making your journey smoother Profitable Spendings
Earn Unlimited Cash Rebate
Unlimited 0.5% cash rebate on eligible spendings
Capture Preferred Rate to exchange Foreign Currencies
Easy access to 12 major currencies worldwide and lock in preferred exchange rate before spending or withdrawal, allowing you to earn on transactions
(The 12 major currencies include Hong Kong Dollar, US Dollar, Renminbi, Australian Dollar, Canadian Dollar, Swiss Franc, Euro, British Pound, Japanese Yen, New Zealand Dollar, Thai Baht, and South African Rand.) 
Flagship Privileges
Enjoy World Mastercard’s privileges including 24/7 Personalized Concierge services, Free Global Data Roaming and Holistic E-Commerce Protection 
Enhanced Card Control for Greater Convenience
Allow instant card blockage, withdrawal limit and spending limit adjustment anytime, anywhere via Hang Seng Business Mobile App, allowing you to manage finances conveniently
More Offers Coming Soon
(Available in Chinese only)
Meet Various Business Needs
E-commerce Practitioner
“There is frequent need to handle a large amount of online foreign currency expenses; however, the spending limit of commercial credit card could be a hassle. It would be great if there were a solution that provides a seamless and speedy transaction experience yet offers good benefits.”
Commercial Debit Card offers you a smooth payment experience, all payments are deducted from the linked account directly. The card not only allows you to lock in your preferred exchange rate in advance and the foreign currency transaction fees can be waived. It also simplifies company expense reconciliation by providing a clear view of all transactions in the Integrated Account statement.
First Commercial World Debit Mastercard in Hong Kong
8 Flagship Privileges
8 Flagship Privileges
Mastercard Travel & Lifestyle Services
Connect to all-in-one travel experiences with an all-rounded personalized concierge service to assist you
Exclusive for World Mastercard
Mastercard Travel Rewards
Enjoy a variety of attractive discounts, cash rebate and extra privileges at top destinations
Exclusive for World Mastercard
Mastercard Easy Savings Specials
Enjoy exclusive benefits and discounts for your company covering daily operation needs, trimming down your business costs
Exclusive for World Mastercard
Free Global Data Roaming
Free 1GB mobile data in 150 countries, 15% discount for subsequent purchase
E-Commerce Protection
Receive up to US$500 reimbursement for online purchases covering non-delivery, incorrect, or damaged goods
Mobile Phone Protection
Covering for accidental damage and theft for mobile phone with reimbursement up to US$600 per occurrence and up to US$1,000 annually
ID Theft Protection
24/7 monitoring of individual and company credentials, offering solutions to address any identity theft incidents
Airport Lounge Access
Access to a wide range of airport lounges worldwide through the DragonPass network (visit charges may apply)