Minimum Payment
If the total outstanding balance is HK$300 or above, the minimum payment will be the sum of the followings: (i) all charges, fees, costs, expenses, interests and/or finance
charges posted to the current statement of Card Account; (ii) any amount in excess of the credit limit incurred after last
statement date; and (iii) 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the Card Account, or HK$300, whichever is higher plus any outstanding minimum payment.
If the total outstanding balance is less than HK$300, the minimum payment will be the total outstanding balance.
Late payment charge
HK$350 or the Minimum Payment Due, whichever is lower.