Exclusive Solution and Offers Power Up Your Business
The 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!
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
Exclusive Offer For Hang Seng Commercial Customers:
Activation Offer: Enjoy up to 18% cash rebate upon eligible spending^
From 15 April to 30 September 2025, new customers can enjoy up to 18% cash rebate on the first accumulated HKD1,000 of eligible transactions when paying with the Commercial Debit Card.
Double-Up Offer: Enjoy rebate of up to 1% upon designated eligible spending
From 15 April to 30 September 2025, each debit cardholder can receive up to a 1% cash rebate on all eligible spending starting from over HKD15,000 and up to HKD30,000+.
The Lucky Draw: Lucky draw for luxury dining, travel and leisure treats
From 15 April to 31 December 2025, simply use your Commercial Debit Card and reach accumulated eligible spending of HKD30,000 (or equivalent) in any month to automatically join the Lucky Draw! The more cardholders who meet the spending requirement, the more chances your company will have in the draw.
Remarks:
- ^ 18% cash rebate is only applicable to new Hang Seng Commercial Bank debit card user on the eligible transactions.
- + 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 HKD225.
- Activation Offer, Double-Up Offer and the Lucky Draw are subject to the Terms & Conditions.
HKD Commercial World Mastercard
- Virtual Card solution that lets you handle each transaction with a unique card number! Enjoy enhanced authorisation controls such as spending limit, expiry date, number of uses
- Enjoy 2.8% unlimited rebate at 8 designated merchants : Facebook, Google, Amazon, Zoom, XERO, Adobe, Shopify and GoDaddy
- Apply now to enjoy $600 +FUN Dollars and 2 years annual fee waiver
- Offers a virtual card functionality, enabling the use of a distinct virtual card number for every transaction, with the ability to configure multiple transaction authorizations, including expenditure ceilings, validity durations, and frequency of use
The UnionPay Renminbi Diamond Commercial Card
- Designed for business owners, entrepreneurs in mind and their staff, this card is your credit travel companion when you do business in the Mainland China
- Apply now to enjoy HKD400 PARKnSHOP e-cash voucher and 2 years annual fee waiver
Loan amount up to HKD2,000,000
No collateral or financial reports required
Choice of 2 financing options: Instalment Loan or Overdraft Facility
- Instalment Loan allows you to better plan your finances
- Repayment period of up to 60 months
- Choice of Principal Repayment Deferral1
-
Overdraft Facility2 helps you meet unexpected financial needs
- No interest charged on unused limit
- Credit limit restored automatically with each repayment
Offering a variety of financing products to choose from, tailored to your company’s diverse needs
Remarks:
- Customers may choose to pay interest only and not to make any principal repayment in the first 3 months of the repayment period. Afterwards, customers shall repay the entire principal and pay interest in the remaining repayment period.
- Customers are required to make a minimum payment of an amount equivalent to 10% of the total outstanding amount on or before the payment due date as shown in the relevant monthly statement.
Hang Seng Commercial Banking supports businesses in achieving sustainable development. To assist enterprises in implementing green transition, we provide a sustainable financing fund of up to HKD80 billion. Hang Seng also offers one-stop support, including business advisory services, market information provision, and professional seminars, to help businesses seize opportunities and power up every business endeavor!
Being secure and reliable, Hang Seng Digital Business Banking is widely trusted to manage business accounts without hassles, helping you run your business more efficiently and conveniently, complete with a host of speedy and spot-on services and offers.
Mobile Cheque Deposit
Enjoy Hong Kong’s first ‘anytime, anywhere’ Mobile Cheque Deposit service, which enables cheques to be deposited without the need to visit a physical outlet
FX Order Watch
Once your preset target exchange rate is reached, the order will be automatically executed, helping you to control the cost of foreign exchange
Set up a Time Deposit with One Click
Exclusive preferential interest rate offers for you to earn higher interest
Inward Payment Tracker and Outward Payment Tracker
Keep track of your incoming and outgoing payments in real time
Exclusive Discounts on Online Remittances
Save up to 55% on the handling fees for outward remittances and enjoy an as low as $25 handling fee for local bank transfers (CHATS)
Free e-statements
Receive monthly statements on time, free from the inconvenience of postal delays, and enjoy easy storage with the electronic format
Trade Solutions
Online application of import DCs, guarantees and trade loans, with consolidated overview of transaction status and access to trade advice
Ever Earn
Manage daily finances through Hang Seng Business e-Banking and earn generous reward
Hang Seng Business Mobile Banking
Offer biometric authentication and mobile security code features to enhance usage and transaction security
Hang Seng HSBCnet
Fully digital platform delivering consolidated cash management and financial services, facilitating the seamless, all-in-one administration of Hang Seng accounts across Hong Kong, Macau, and mainland China
Integrate and connect your operating system with the banking system to process and respond to customer requests in real-time
Functions:
- Access real time account balance information
- Access the current day and historical transactions record in a synchronous request
- Initiate on-demand single or bulk payments with various payment types and enquire about the processing status of the payment transaction
- Submit real time Simplified Direct Debit Authorization (sDDA) and Direct Debit Instruction (DDI) to their customer for fund collection under Faster Payment System
- Obtain latest rate quote, confirm deal and perform settlement
Features:
Seamless Integration
Simple and secure
Stay updated on real time account activities
Receive Instant Response
Increased reliance on computer systems and access to information can significantly increase a company’s vulnerability to cyber security threats. Data security breaches or privacy leaks can occur at any time, and you need comprehensive protection from an insurer that specialises in handling cyber risks.
Features & Benefits
Assessment during underwriting helps you understand risks and plan coverage more effectively
Enhanced risk management advice during the policy period
Dedicated 24/7 incident response teams assist in a covered cyber incident
A simplified policy with end-to-end solutions, backed by a diversified AA+ rating global insurer
More coverage highlights and details:
Disclaimer
- The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”) which is authorised and regulated in Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank Limited ("Hang Seng Bank") is registered as an insurance agency by the Insurance Authority (License No.: FA3168) and authorised by Chubb for distribution of this Plan. This Plan is a product of Chubb and not Hang Seng Bank. Upon application to this Plan, insurance premium will be payable to Chubb, and Chubb will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.
- In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the insurance product, underwriting, claims and policy service should be resolved directly between Chubb and the customer.
- The above information is intended to be a general summary for reference only. Please refer to the policy wording for exact terms, conditions and details of the exclusions.
Open a business account now and unlock unlimited business opportunities!
Whether your business partner* is a resident of Hong Kong or Mainland China, located in Hong Kong or Mainland China, as long as it is a company registered in Hong Kong, you can open a company account online and on mobile^, as fast as 3 days+!
Apply Now Apply Now Apply Now
Offers are subject to Terms and Conditions
Remarks:
To Borrow or not to borrow? Borrow only if you can repay!
Terms and Conditions apply to services and offers.
| * | The applicant’s connected party(ies) include Directors, Authorised Signers, Principal Shareholders, Beneficial Owners , Key Controllers and Direct Appointees. |
| ^ | To apply online ("remote account opening service"), the applicant’s connected party(ies) must hold a Hong Kong or mainland China’s Resident Identity Card. Also, the applicant’s connected party(ies) has/ have to be physically located in Hong Kong or mainland China when submitting the application, completing digital ID verification and e‑Sign successfully. The eligibility of applicants for remote account opening is subject to the final and absolute discretion of Hang Seng Bank Limited. |
| + | For application with all connected party(ies) who are HKID holders and located in Hong Kong, the Business Integrated Account can be opened in as fast as 3 business days for the Biz Virtual+ Account/5 business days for the Integrated Business Solutions Account upon completing Digital ID Verification and e‑Sign by the aforementioned connected party(ies). Customer(s) will receive a SMS notification for e‑Sign after the(1) satisfactory review of the documents submitted, (2) successful completion of digital ID verification and (3) completion of Know Your Customer (“KYC”) call(s). For customers requiring a face‑to‑face appointment at Business Banking Center(s) (if applicable), an appointment will be arranged based on the latest availability. |
To Borrow or not to borrow? Borrow only if you can repay!
Terms and Conditions apply to services and offers.
Foreign Currency Risk
Foreign exchange involves exchange rate risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts HKD to foreign currency or vice versa.
RMB Currency Risk
Renminbi (“RMB”) is subject to exchange rate risk. Fluctuation in the exchange rate of RMB may result in losses in the event that the customer subsequently converts RMB into another currency (including Hong Kong Dollars). Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. RMB is currently not freely convertible and conversion of RMB may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.
Risk Disclosure Statement of Securities Investment:
nvestors should note that investment involves risks. The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.
Investors should note that investing in different Renminbi- denominated securities and products involves different risks (including but are not limited to currency risk, exchange rate risk, credit risk of issuer / counterparty, interest rate risk, liquidity risk (where appropriate)). The key risks of investing in securities via Stock Connect Northbound Trading include:
- Transactions under Stock Connect Northbound Trading will not be covered by the Investor Compensation Fund in Hong Kong.
- Once the respective quota is used up, trading will be affected or will be suspended.
- Stock Connect Northbound Trading will only operate on days when both markets are open for trading and when banks in both markets are open on the corresponding settlement days. Investors should take note of the days the Stock Connect Northbound Trading is open for business and decide according to their own risk tolerance whether or not to take on the risk of price fluctuations in securities during the time when Stock Connect Northbound Trading is not trading.
- When a security is recalled from the scope of eligible stocks for trading via Stock Connect Northbound Trading, that security can only be sold but NOT bought.
- Investors will be exposed to currency risk if conversion of the local currency into Renminbi is required.
Investors should not only base on this material alone to make any investment decision, but should read in detail in the relevant risk disclosure statements.
Risk Disclosure Statement of Investment Funds:
Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.
RMB Currency Risk
Renminbi ("RMB") is subject to exchange rate risk. Fluctuation in the exchange rate of RMB may result in losses in the event that the customer subsequently converts RMB into another currency (including Hong Kong Dollars). Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. RMB is currently not freely convertible and conversion of RMB may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.