dahsing.com Apply for Credit Card Hong Kong : Dah Sing Bank

Name of the Organization : Dah Sing Bank Limited
Type of Facility : Apply for Credit Card
State : Wan Chai
Country : Hong Kong

Website : http://www.dahsing.com/en/html/credit_card/index.html

Dah Sing Bank Apply for Credit Card

Dah Sing ONE+ Credit Card :
** Dah Sing ONE+ Credit Card brings you a new spending experience to “Enjoy & Be Rewarded”.
** Unlimited 6 % Rewards

Related : Dah Sing Bank SME Financing Guarantee Scheme Hong Kong : www.statusin.org/23799.html

** Unlimited 1% Money Back1 – Anytime, Anywhere, for just about Everything!
** Local / Overseas retail spending or cash advance and Octopus Automatic Add Value Service
** Unlimited Money Back amount

5% MasterCard®Traveler Rewards2 :
** Over 300 International Brands and 1,000 Merchants from Local, Overseas and Online!
** Register your ONE+ credit card at MasterCard® Traveler Rewards website and spend at MasterCard Traveler Rewards participating merchants, you will automatically earn 5% Rewards.

** Enjoy spend and reward without upper limit now!
** Details please refer to The MasterCard Traveler Rewards Program

Terms & Conditions :
Interest Rates and Finance Charges :
APR* for Retail Purchase :
** 33.22% when you open your account and it will be reviewed from time to time.
** The Bank will not charge you finance charges if you pay your balance in full by the due date each month.
** Otherwise, finance charges will be charged on
(i) the unpaid balance from the date of the previous statement on a daily basis; and
(ii) the amount of all new transactions from the respective transaction dates, until payment in full.

APR* for Cash Advance :
** 36.43% when you open your account and it will be reviewed from time to time.
** Finance charges will be charged on the amount of cash advance from the date of the transaction on a daily basis until payment in full.

Delinquent APR :
** 40.77% (Retail Purchase) & 44.90% (Cash Advance) if there are 2 or more delinquent records in your account in the past 12 consecutive months, the above finance charges rate will be assessed.

Interest Free Repayment Period : Up to 60 days

Minimum payment :
(i) If the Monthly Statement Balance is HK$200 or above, the minimum payment will be the total amount of bank service fees and financial charges plus 1% of total outstanding balance of transactions or HK$200 (whichever is higher); or

(ii) if the Monthly Statement Balance is less than HK$200, the minimum payment will be the Monthly Statement Balance.

Fees :
Annual fee :
** HK$550 for Titanium Card (HK$275 for each supplementary Card) and HK$1,500 for Platinum Card (HK$750 for each supplementary Card)

Cash Advance Handling Fee :
** 3.5% of transaction amount or minimum of HK$100 (whichever is higher)

Fees relating to Foreign Currency Transaction :
Transaction Fee for Foreign Currency Transaction :
** 1.95% on the transaction amount in foreign currency made outside of Hong Kong or in Hong Kong

Transaction Fee for Cross-border Transaction :
** (Applicable to Settling Foreign Currency Transaction in Hong Kong Dollars) 0.80% on the transaction amount in Hong Kong currency made outside of Hong Kong or at any merchants not registered in Hong Kong

Late Payment Fee :
** HK$250 or an amount equivalent to the minimum payment stated on the monthly statement (whichever is lower)

Over-the-limit Fee :
** HK$180 each time (Each card account will be charged maximum once per statement cycle)

Returned Items:
** (Cheque or Direct Debit Authorization) – Not Applicable

Note :
** *APR = Annualised Percentage Rate.
** According to the guideline of the Code of Banking Practice, APR is calculated based on the Net Present Value method.