Services arrangement on 5-Day Clearing Week Notice Relating to Amendment of Dah Sing Credit Card Interest Free Repayment Period Revised Service Charges for ANA Card HK Visa Platinum |
| Item | Service Charge | |||
| 1. |
Annual Fee - Principal Card - Supplementary Card |
HK$800 HK$400 |
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| 2. |
Finance Charge - Retail Purchase - Cash Advance |
24% (25.84%)* 30% (36.09%)* * This is the Annualized Percentage Rate calculated based on the Net Present Value (NPV) method for calculation of finance charge in accordance with the guideline of the Code of Banking Practice. |
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| 3. |
Cash Advance Handling Fee (including "JET Payment" or credit card payment of other JETCO member banks via JETCO ATM/ Virtual ATM Service) |
3% of transaction amount or minimum HK$55 (whichever is higher) |
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| 4. |
Minimum Payment |
3.5% of outstanding balance or minimum HK$50 (whichever is higher) |
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| 5. |
Late Fee |
5% of "Minimum Payment" (min. HK$130, max. HK$200) |
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| 6. |
Card Replacement Fee |
HK$120 per card | ||
| 7. |
Overlimit Handling Charge - Balance exceeded available credit limit |
HK$180 each time |
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| 8. |
Returned Items (Cheque or Direct Debit Authorization) |
HK$120 per item | ||
| 9. |
Sales Draft Retrieval Fee - Photocopy - Original copy |
HK$50 per copy HK$70 per copy |
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| 10. |
Statement Retrieval Fee - Statement issued within the latest 3 months - Statement issued beyond the latest 3 months |
HK$30 per copy HK$50 per copy |
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| 11. |
Credit Balance Withdrawal - By cashier order |
HK$75 per cashier order |
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| 12. |
Handling Fee On Over-the-counter Payment at branch |
HK$30 per item | ||
| 13. |
PayEasy Bill Payment Service - To general merchants - To pre-registered merchants |
Free 1% of payment amount |
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| 14. |
Instalment Plan Cancellation Fee |
HK$300 (per product/service) | ||
| 15. |
Transaction Fee for Overseas Transactions and Foreign Currency Transactions |
All Overseas Transactions and Foreign Currency Transactions are debited to your credit card account after conversion into Hong Kong dollars on the date the item is processed at a rate1 determined by VISA/ MasterCard plus a fee of 1.75% (transaction fee(s) charged by VISA/ MasterCard to the Bank included, if applicable). | ||
| Remarks | |
| 1. | Such exchange rate may differ from that on the transaction date due to market fluctuation. |
| For cardholder with "Mileage Scheme", if "Minimum Payment" of the statement is not settled on or before the "Payment Due Date", the "Mileage Scheme" will be suspended until payment records resume to normal. | |
| If there are 2 or more delinquent records in the past 12 consecutive months, the finance charge will be assessed at Annual Rate 36%(APR: Retail Purchase 40.95%/Cash Advance 44.27%). Meanwhile, the "Mileage Scheme" will be suspended until the repayment records resume to normal. | |