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Principal cardholder can login to Mobile Banking (BOCHK app) or visit any of our branches in person to apply for a supplementary card for direct relatives who are 11 years old or above. Principal cardholder needs to bring along with the identification document of supplementary card applicants (If it cannot be submitted immediately, it can be submitted within 21 days) and apply up to 4 supplementary cards. Upon successful application, we will send physical supplementary card to the registered correspondence address of principal cardholder in about a week.

If your Debit Card is linked to MTC account, the Debit Card will be automatically debited from the corresponding foreign currency account according to the currency of the transaction by default. If the balance in the designated currency is insufficient, or the "Foreign Currencies Direct Debit Setting" has been suspended, or the currency of the transaction is not among the 12 major currencies supported by the Debit Card, we will convert it to Hong Kong dollars for settlement.

If the balance in the designated currency is insufficient, we will convert the full transaction amount to Hong Kong dollars for settlement.

Transactions in 12 major currencies will use our Bank's T/T exchange rate. 12 major currencies include HKD, USD, CNY, GBP, EUR, JPY, AUD, NZD, CAD, CHF, SGD and THB.

Transactions in non-major currencies will use Mastercard’s exchange rate.

All fees and charges which will apply, including the annual fee, the method of applying exchange rates and/or levies to transactions in foreign currencies or cross-border transactions are provided in General Banking Services Charges. For details, please visit www.bochk.com, then select “More” > "Terms and Conditions for Services/Products" > "Deposits" > "General Banking Service Charges".

Cardholders will receive transaction notifications via SMS and email after every card spending transaction. For supplementary card transactions, both principal cardholder and supplementary cardholder will receive the notifications.

Please login to Mobile Banking select "Menu" > "Account" > "My BOC Card / Debit Card" > "BOC Mastercard® Debit Card" > "Overview" > "Cash Rebate" to check your cash rebate details for latest 3 months transaction.

Principal cardholders can login to Mobile Banking select "Menu" > "Account" > "My BOC Card / Debit Card" > "BOC Mastercard® Debit Card" > "Services" > "Daily Spending Limit"/"Daily Cash Withdrawal Limit" to check and set the limit of both principal card and supplementary card.

You can also log in to mobile banking at any time before spending/withdrawing funds and select "Menu" > "Account" > "My BOC Card / Debit Card" > "BOC MasterCard® Debit Card" > "Overview" > "Available Limit" to check the available limit at that time.

The maximum daily spending limit (including transferring to other accounts in the same currency (not applicable to supplementary cards), “Mastercard” POS transaction and online spending) for Debit Cards (including principal and supplementary cards) is HK$50,000 (or its equivalent in other currencies) and can be adjusted by the principal cardholder. Upon activation of the card, you signify that you agree to such limit.

The daily cash withdrawal limit for Debit Cards (including principal and supplementary cards) is subject to the local daily cash withdrawal limit of the principal cardholder. The maximum local daily cash withdrawal limit is HK$80,000 (or its equivalent in other currencies).

Principal cardholder can login to Mobile Banking select "Menu" > "Account" > "My BOC Card / Debit Card" > "BOC Mastercard® Debit Card" > "Services" > "Report Lost and Request Replacement" to report lost for principal card and supplementary card. Principal cardholder and supplementary cardholder can also contact us via Online Chat / Customer Service Hotline (852) 2691 2323 or visit any of our branches to report card lost. Principal cardholder can request replacement of supplementary card. And the card will be sent to principal cardholders' registered correspondence address in about a week. Please set up related electronic payment tool and recurring payment instructions again after the card activation.

If you find any suspicious transactions on your Debit Card, please contact us via Online Chat or Customer Service Hotline (852) 2691 2323 immediately.

Principal cardholders can check all transaction records of the Debit Card (including the principal card and supplementary cards) on BOCHK Mobile Banking Application, Personal Consolidated Monthly Statements or passbooks. Principal cardholders are required to report any unauthorized, erroneous or questionable transaction records to the Bank within 90 days from the date of statement or the transaction date of passbooks, failing which, the Bank shall be entitled to treat the transactions stated in the Statement or passbooks as true and correct in all respects. The chargeback mechanism of the applicable card association is available on the Bank's website at www.bochk.com (Click "More" > "BOC Mastercard® Debit Card" > "Important Notice of BOC Mastercard® Debit Card").