There is no annual fee for the ZA Card. The ZA Card is a Visa debit card issued in Hong Kong that links directly to your HKD current account, and no annual fee is charged for either application or usage. In addition, the ZA Card does not incur interest or late payment fees.

Friendly reminder: ZA Card and ZA Credit are two different products.

·ZA Card: a debit card for your spending.

·ZA Credit: a revolving credit facility you may apply for, which can be used as a spending limit at checkout.

If you wish to check the annual fee for ZA Credit, please refer to the Fees and Charges Guide for Individual Customers page in the ZA Bank app or consult the ZA Credit Key Facts Statement for details.