| Items | Cost (HKD) | HKD | HY Setting | Net Profit (HY) | Share (UT) | Remarks | Charge Initiated By | ||
|---|---|---|---|---|---|---|---|---|---|
| HY Net Cost | |||||||||
| Card Application Fee | 開卡費 (KYC Cost) | 15 KYC + 40 Card+8 (+20%) +1 BIN | |||||||
| 15 KYC + 2500 Card +250 (10%) + 1 Bin | 64 |
2766 | Platinum 300 World 5000 - Metal World Elite 20000 | 300 - 64 -10= 236
Finally when the card is ready | 1+ 8 + 15 | KYC, Card, BIN Fee (Above cost 50%/50%) | 1 year No share 2 years 25% 3 years 50% and after | Charge via API with /fees/charge endpoint | | Annual Fee | 年費 | 10 / 80 | 10 80 | 300 5000 20000 | | 10 + 72.5 | Platinum/World/(Above cost 50%/50%) | 1 year 25% 1yr end 2 years 30% 3 years 50% and after | Charge via API with /fees/charge endpoint | | HK Spending | 本地簽帳 | 0 | Free | 0 | 0.5%* 0.6 / 0.6 | | HK Spending Rebate | 香港地區HKD本幣 | N.A. | | Overseas Cross Border Spending | 境外簽帳 | 2% | Marketing Support | 2.5% | HY 0.5% (Yr1) From Yr2 : 2%
Plus above | 2%+0.5% (Yr1) 2%+1% (Yr2) 2%+1% (Yr3+) | Outside HK Spending 2.5% On First Year 2% rebate for 2nd year | 境外指商戶收單地址在非香港地區；本幣指港幣；境外兼非本幣交易只收其一overseas means the merchant's billing address is not in Hong Kong; local currency means HKD; | System auto charge with card transaction | | Oversea ATM (Cash Advance) | 境外ATM自動櫃員機提款 | 1% | 20 Per time min | 3% or HKD50 min | 1% | 1%+1% | Total overseas ATM if 8% Client Rebate 1% +2.5% above On Ratio afterward | 設最低收費20JKD 每次，非香港地區有額外境外/非本幣簽帳手續費Minimum charge of 20HKD per transaction, additional overseas cross border fee for overseas atm withdrawal | System auto charge with card transaction | | HK ATM (Cash Advance) | 本地ATM自動櫃員機提款 | HKD 20.00 | 20 per time | 3% or HKD50 min | 30 | 20 | Above 20, all to HY | 香港地區HKD本幣 Local currency means HKD | System auto charge with card transaction | | ATM Balance Enquiries | ATM自動櫃員機餘額查詢 | Not Available | NO | NO access | 0 | 0 | No Access No Support | | N.A. | | Card to Card | 帳戶互轉 | 0 | Free | 0 | 0 | 0 | API can provide | 只支持相同幣種的卡之間互轉。 互轉之資金只適用於消費。 Transfer between cards only supports the same currency. Funds can only be used for purchases. | N.A. | | | | | | | | | | | | | Card Renew Fee | 到期換卡 | 0 | 0 | 0 | 0 | 0 | API can provide | 實體卡郵費另計# please refer to below for postage of physical card | N.A. | | Card Balance inquiry (APP) | 餘額或交易紀錄查詢（APP） | 0 | 0 | 0 | 0 | 0 | API can provide | | N.A. | | | | | | | | | | | | | Card cancellation fee | 人工註銷或領回餘額 | 10/ 80 | 0 | Platinum 300 World 5000 - Metal World Elite 20000 | 0/0 | | API can provide 50/50 | | Charge via API with /fees/charge endpoint | | Card Replacement + Extra Card | 補發卡 | 0 | 0 | Platinum 300 World 5000 - Metal World Elite 20000 | 0 | 0 | API can provide | 實體卡郵費另計# please refer to below for postage of physical car | Charge via API with /fees/charge endpoint | | Dormant Account fee (Monthly) Account Maintenance fee | 休眠帳戶管理費（月） | 10 | 10 | Platinum 200 World 500 World Elite 1000 | Platinum $95 World 245 World Elite 495 | Platinum $10+95 World $10+245 World Elite $10+495 | Deduct more than 10, 50/50
Account maintenance cost | 啟動後連續6個月帳戶未活動，將於第7個月每月收取 If the account remains inactive for 6 consecutive months after activation, a monthly fee will be applied starting from the 7th month. | Charge via API with /fees/charge endpoint | | Long Dormant Account Fee (Monthly) | 长期休眠帳戶管理費（月） 到期卡管理費（月） | 80 | 80 | Platinum 500 World 1000 World Elite 2000 | Platinum 210 World 460 World Elite 960 | Platinum 80+210 World 80+460 World Elite 80+960 | Deduct more than 80, 50/50 | 在收取休眠帳戶管理費用 6 個月後，該賬戶將立即被視為長期休眠 Long Dormant Account fee shall be applied if Dormant fee is applied to Cardholder’s account for 6 consecutive months. A monthly fee will be applied starting from the 7th month. | Charge via API with /fees/charge endpoint | | Document Request Fee | 索取文件副本 | 30 | 30 | 200 | 85 | 30+85 =115 | NO API Provided | 交易紀錄副本按月計費 Physical Statement shall be extracted on a monthly basis. Document request fee shall be applied to each statement. | Charge via API with /fees/charge endpoint | | Multiple small transactions online | 網上多次小額交易 | 0 | 0 | 1 | 1 | 0 | API can provide | 單筆低於10 RMB / 11 HKD/ 1.5 USD 的網上交易屬小額交易 Online transactions of less than 10 RMB / 11 HKD / 1.5 USD are considered small value transactions. | System auto charge with card transaction | | | | | | | | | | | | | Authorization failure fee (cardholder error) | 授權失敗手續費（持卡人錯誤操作） | 2 | 0 | 5 | 1.5 | 3.5 | API can provide | 每月豁免單卡前3次收費，由第4次開始收費 持卡人錯誤操作包括：持卡人未能按信用卡使用方式，在餘額不足、卡狀態異常或網上交易時錯誤填寫卡信息導致正常授權失敗的行為Monthly Waiver shall be applied to the first 3 authorisation failure. Authorisation failure fee shall be applied from the 4th authorisation failure. Cardholder error includes: the balance is insufficient, the card status is abnormal or the card information is incorrectly filled out during online transactions, resulting in authorization failure | Disabled | | Refund Transactions fee | 退款交易 | 0 | 0 | 3 | 3 | 0 | API can provide | 每月前3次豁免，由第4次開始收費 特別提示：每筆非香港地區退款交易有額外“境外簽帳/非本幣簽帳”手續費，不作豁免 Monthly waiver shall be applied to the first 3 refund transaction. Refund Transaction fee shall be applied from the 4th refund transaction. Please note extra handling fee shall be applied to overseas cross border transaction. ( not exempted ) | Disabled | | Asset-Linked Credit Card | | | | | | | | | | | Chargeback Application | 拒付申請費! | | | | | | Follow MasterCard Rules All Bill to Bill backed! ** ABC | 萬事達卡拒付申請費Mastercard Chargeback application fee shall be applied. *** ABC | N.A. | | USDT/USD | | 1 USDT/C = 0.998 USD | | | | | | | | | | | | | | | | | | |
*Based on overseas usage over 50% for the program, the rebate to the issuer is 0.50%. If below 50%, the base rebate to the co-brander falls to 0.40% (Platinum/World) ** Interest rate applies to Credit card Model. Issuing any new world elite card program requires Mastercard approval World Elite. It is on a case-by-case basis
#Mailing Fee
中國大陸: 20 RMB/ 25 HKD/ 3 USD，香港地區: 27 RMB/ 30 HKD/ 4 USD，非香港或中國大陸地區: 200 RMB/ 250 HKD/ 30 USD。(Co-brander set and process)
Sample Terms **************************** this lowest in market Pre-paid model for references !!!!!!!!!!!!!!!!!!!!!!!!! Terms & Conditions 條款及細則
SpeedPay Treasure Global Fintech Limited. reserves the final right to suspend, modify or terminate this event and/or any of the terms and conditions without prior notice. In case of dispute, the decision of SpeedPay Treasure Global Fintech Limited.
SpeedPay保留隨時更改使用條款及細則之權利，而不會作另行通知。如有任何爭議，SpeedPay保留最終決定權。
These Terms and Conditions are prepared in English and Chinese. In case of any conflict or discrepancy between the two versions, the English version shall prevail.
