If you conduct a Hong Kong dollar transaction (including a refund) on ZA Card, whether in Hong Kong or overseas, and that transaction is processed overseas because the merchant or acquirer is registered in a place other than Hong Kong, Cross-border Transaction Fee 1.95% (1% charged by Visa, 0.95% charged by ZA Bank) will be charged. The Cross-border Transaction Fee will be charged in circumstances where the overseas merchant or acquirer has already converted the transaction into Hong Kong dollars, or you have asked them to do so.

The Cross-border Transaction Fee 1.95% (1% charged by Visa, 0.95% charged by ZA Bank) will apply if you are offered the option to, and choose to, settle a foreign currency transaction in Hong Kong dollars at a point of sale overseas. Such option is a direct arrangement offered by the overseas merchant and not ZA Bank. You are reminded to ask the merchant for details about the foreign currency exchange rate and any applicable fees before you enter into the transaction because settling foreign currency transactions in Hong Kong dollars may involve a cost higher than Foreign Currency Transaction Fee.