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Fees and charges

Credit cards

Fees and charges for credit card customers

Download the latest Bank Tariff guide to see current fees and charges for credit cards.

Octopus Automatic Add Value Service (AAVS)

The service is free for all first time applications. A handling fee of HKD20 will be levied for applications switched from other banks or re-activation of AAVS service. The handling fee will be deducted from the newly designated credit card once the application is approved.

Cash Instalment Plan

Early Redemption Penalty: 2% of outstanding principal amount

Spending Instalment Plan

Early Redemption Penalty: Total amount of outstanding monthly handling fee for the remaining period under the instalment plan plus any interest (if applicable) and an administration fee of HKD300.