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EMV Smart Chip Cards Replacement

To strengthen security controls on ATM services, as mandated by the Hong Kong Monetary Authority ("HKMA"), all magnetic stripe cards with ATM capability will be replaced by chip cards. Enhanced security measures will also be adopted for overseas ATM cash advance services.

With the EMV Smart Chip, your Card is better protected against fraudulent activities. Unlike magnetic stripe only Cards, an EMV Smart Chip Card contains a microprocessor Chip that uses encryption to prevent its contents from being copied. This makes it nearly impossible for fraudsters to decode or tamper with the Card.

We are progressively migrating all Cardmembers to EMV Smart Chip Cards between September 2013 and December 2015.

What to expect when your new Card arrives?

  • Your old Card will be deactivated following your first transaction on the new Chip Card. Please cut your old Card across the magnetic strip to destroy it.
  • Your Card number remains the same as the existing magnetic stripe only Card.
  • Your existing autopay services (e.g. telecommunications charges, utilities charges, insurance premium and charity donations, etc.) will continue automatically.
Frequently asked questions