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Current Location >> Personal Banking>> Credit Card>> Spending Offers & Purchase Instalment>> Credit Card Cash Advance Program

Get a Full Rebate on Handling Fee for Credit Card Cash Advance

During the promotional period, eligible cardholders* who use eligible Bank of Communications credit card to perform any credit card cash advance via Internet Banking, Mobile Banking, Local or overseas ATM channel can enjoy a Full Rebate on Handling Fee. Get cash in a simple and fast way for your flexible use anytime at local or overseas!

Promotional Period: 15 October 2019 to 31 December 2019

For example:

Cash Advance Amount (Single Transaction)

Handling Fee Rebate

HK$3,000

HK$105

HK$10,000

HK$350

The handling fee for Cash Advance is 3.5% of the Cash Advance amount per transaction (minimum charge of HK$100)


Methods of Cash Withdrawal

1. Internet Banking1
(login Internet Banking -> Credit Card -> Cash Advance)

2. Mobile Banking2 (NEW)
(login Mobile Banking -> Credit Cards -> Cash Advance)

3. Local or Overseas ATM channel3

Cash deposit into your designated account maintained with our Bank directly for cash withdrawal

Cash withdrawal directly

1. Without Internet Banking Services, you may visit our Bank website to access the login page of Internet Banking, then the procedures for 'Activate Internet Banking', please click here for more details. Customers can activate Internet Banking in 'BOCOM(HK)' Mobile App, please click here for more details.
2. Without 'BOCOM(HK)' Mobile App, you may search 'BOCOM(HK)' at App Store or Google Play or click here to download our Mobile Banking App. Internet Banking Services must be activated before using our Mobile Banking Services. The same login credentials are used for Internet and Mobile Banking Services.
3. If you forget your ATM password, you may apply for re-issuance through the following channels: 1) Visit any outlets 2) Call the Bank's Customer Services Hotline : 223 95559.

Smart Tips for overseas cash withdrawal - Security measure for cash withdrawal at overseas ATM

You are required to activate your cards' overseas ATM cash withdrawal function (effective immediately upon activation) through below designated channels before you may perform cash withdrawal at overseas (including Cash Advance from credit card accounts):
1. The Bank's ATM Machine
2. Local JETCO ATM Machine
3. The Bank's Internet Banking (only available for customers who have registered for the Bank's Internet Banking)
4. Any outlets
5. Call the Bank's Customer Services Hotline: 223 95559


*Eligible cardholders refer to the cardholders who have not used eligible Bank of Communications credit card to perform credit card cash advance via Internet Banking, Mobile Banking, Local or overseas ATM channel from 15 August 2018 to 30 September 2019 (Based on the credit card cash advance transaction date).

Remarks: The cash advance amount cannot exceed the available credit limit. For cash advance, an interest will be calculated from the date of such advance to a date on which payment is received, please refer to "Bank of Communications Fees Schedule / Bank of Communications CUP Dual Currency Credit Card Fees Schedule" in Bank's website. For a cash advance without handling fee offer, the annualised percentage rate is 37.14% based on the calculation of 3.5% handling fee of the cash advance amount. Annualised percentage rate (APR) is calculated according to the guidelines set out in the Code of Banking Practice and will be rounded up the nearest two decimal places. APR is a reference rate which expresses the fees and charges of respective product as an annualised rate.

The offers are subject to terms and conditions. Please click here for details.

To borrow or not to borrow? Borrow only if you can repay!

Contact Us

Customer Service Hotline: 223 95559

Please visit any of our outlets