Hang Seng Prestige Multi-Currency Debit Mastercard®

Terms and Conditions apply.


Looking for a seamless spending experience? With one card in hand, you can shop locally or overseas using designated major currencies at any store that accepts Mastercard®. You can also withdraw cash from ATMs worldwide anytime, all with the annual fee waived!

Key features

When you spend or withdraw cash, we'll debit the amount directly from the related currency account in the integrated account linked to your debit card. The 12 currencies include HKD, USD, RMB, AUD, CAD, CHF, EUR, GBP, JPY, NZD, THB and ZAR. Transactions in other currencies will be settled in HKD according to the current exchange rate.

Enjoy unlimited 0.5% cash rebate on all eligible spendings.

No matter you're making a purchase with local and overseas merchants or shopping online, we won't charge you any FX transaction charges and handling fees[1].

Withdraw cash from overseas ATMs without handling fees[2].

Primary cardholders can manage debit card(s) linked to your Integrated Account and set monthly spending and daily ATM withdrawal limits[3] via Hang Seng Mobile App.

You can apply up to 6 supplementary debit cards for family and friends to enjoy the multi-currency experience. Family and friends aged 12 or above can apply for supplementary debit cards now without holding our bank accounts.

Terms and Conditions apply.

Offer details

2024 Designated Airport Transfer Ride-Hailing Promotion

From 3 Jul 2024 till 31 Dec 2024, enjoy instant discount by applying below promotion code in designated merchant’s App and successful completion of the trip at the selected airport in Hong Kong, Thailand and Singapore. Each promo code can be redeemed once only. No registration is needed.

Country/Area Designated Merchants Designated Airport Promo Code Instant Discount Monthly Quota
Hong Kong Uber
  • Hong Kong International Airport (HKG)
HASE50HK HKD50 600
Thailand Grab
  • Bangkok Suvarnabhumi Airport (BKK)
  • Phuket International Airport (HKT)
  • Chiang Mai International Airport (CNX)
HASE200TH THB200 500
  • Singapore Changi Airport (SIN)

Terms and conditions apply, please refer to below Useful Information.

2024 Overseas Transport Spending Promotion

From 3 Jul 2024 till 31 Dec 2024, earn 20% cash rebate at the designated local merchants across Australia, China, Japan, Thailand and United Kingdom, subject to a maximum accumulated cash rebate of HKD150 per customer across the promotion period. No registration is needed.


Designated Local Merchants

  • Transport for NSW TrainLink
  • Translink
  • 12306 China Railway
  • GoByBus
  • Trans-Island Chinalink
  • Japan Railway
  • Mass Rapid Transit Authority of Thailand
United Kingdom
  • Lothian Buses
  • Transport for Greater Manchester
  • Transport for London

Terms and conditions apply, please refer to below Useful Information.

2024 Overseas Shopping Promotion

From 3 Jul 2024 till 31 Dec 2024, this Promotion has two phases: phase 1 is from 3 Jul to 30 Sep 2024, and phase 2 is from 1 Oct to 31 Dec 2024. Earn up to 15% cash rebate at the designated merchants listed below across Japan and United Kingdom. With maximum 1 time usage per designated merchants per phase. No registration is needed.

Country Designated Merchants Eligible Transaction amount in a single transaction in each phase Cash Rebate Cap in each phase Maximum Rebate Cap during promotion period
Japan Hankyu Department Store and Hanshin Department Store Spend JPY30,000 or above JPY4,500 JPY9,000
Daimaru Matsuzakaya Department Stores Spend JPY30,000 or above JPY4,500 JPY9,000
Matsumoto Kiyoshi Spend JPY10,000 or above JPY1,500 JPY3,000
Don Quijote Spend JPY10,000 or above JPY1,500 JPY3,000
United Kingdom Harvey Nichols Spend GBP250 or above GBP37.5 GBP75
Fortnum & Mason Spend GBP100 or above GBP15 GBP30
Harrods Spend GBP350 or above GBP52.5 GBP105
Bicester Village Spend GBP700 or above GBP105 GBP210

Terms and conditions apply, please refer to below Useful Information.

2024 Exclusive Asia Awards Winning Restaurant Dining Privilege

From 3 Jul 2024 till 31 Dec 2024, customer can enjoy hassle-free restaurants reservation at overseas Asia awards winning restaurant, including in China, Indonesia, Japan, Malaysia, Singapore, Thailand and Vietnam. Book here now!

Terms and conditions apply, please refer to above designated booking website.

How to apply?

Hang Seng Prestige Banking / Prestige Private Banking customers[4] can log on to the latest version of Hang Seng Mobile App and tap "Cards" > "Card Application" > "Debit Card Application" from the left menu to apply for Multi-Currency Debit Mastercard®.

Hang Seng Personal Banking

Apply Multi-Currency Debit Mastercard® now

Contact us

Call us

Prestige 24-hour Prestige Manned Hotline (852) 2998 9188

Prestige Private 24-hour Manned Hotline (852) 2998 8022

24-hour Report Lost Card Hotline (852) 2836 0838

Visit our branches



  1. For the fees and charges details, please refer to Fees & Charges under Useful Information.
  2. Surcharges of overseas local banks may be levied.
  3. The default daily spending limit of primary and supplementary debit cards are HKD100,000 or equivalent each.
  4. Only applicable to customers who hold a sole-named Prestige Banking or Prestige Private Banking account.
  5. Terms and Conditions apply for the above offers.

Risk disclosure

Currency conversion risk: foreign exchange involves exchange rate risk. The value of your foreign currencies and RMB deposits are subject to exchange rate risk and may result in gains or losses when the exchange rate fluctuates at the time when the transaction amount is debited from your foreign currency or RMB account. It may also result in losses when your foreign currency or RMB account balance is insufficient to pay the transaction amount and need to convert HKD to foreign currency or RMB.