The base billing currency of the ChinaDirectCard is the Hong Kong dollar HKD.

All fees are expressed in HKD. (You can check currency conversion rates here.)


Activation Fee FREE
Annual Fee Nil
Foreign Currency Transaction 2.50%
ATM Cash Withdrawal Fee 4.15%
Reload fee 7.50% minimum load 200 USD
Balance enquiries via IVR or web Free
Balance enquiry at ATM 5 USD
Change of PIN via IVR or web Free
Replacement of lost card USD 100 + postage or courier fee
Account Management Fee  5 per Month (13th month new scheme)
Max Ticket Size(per transaction) 2 000.00 USD
Max Monthly Volume 10 000.00 USD
Max Hour Count 5
Max Day Count 20
Card Loading Amount 10 000.00 USD
Card to card Transaction 2 000.00 USD
C2C fee 7.00%

Please note there may be additional costs involved in local funding methods and funds deposited in other currencies will be converted to HKD at the commercial exchange rate applicable on the day of the transaction.