ANGEL is a Prepaid Mastercard issued by ePaylinks Technology Co. Ltd under the license of Mastercard Asia/ Pacific Pte Ltd. ANGEL Mastercard is accepted at over 33 million locations in over 210 countries; it's very widely accepted by online merchants as well. ANGEL Mastercard also allows you to withdraw cash at any ATM worldwide that bears the Mastercard / Cirrus logo.
The ANGEL Card is a prepaid Mastercard®. ANGEL Card does not provide any credit; cardholder has to top up before use.
ANGEL Card offers cardholders a simple solution for bill payments while travelling overseas or shopping online with overseas merchants. ANGEL also provides cardholders with discounts and privileges at various merchants and service providers around the world. Exclusive ANGEL Mastercard offers and privileges are regularly updated on the ANGEL App or www.CardAngel.com.
There are 3 types of ANGEL cards: 1-star, 3-star and 5-star with HKD, RMB and USD accounts.
There are differences on the security level, maximum account balance and transfer limit. 3-star and 5-star ANGEL cards can be stopped via the report loss system thereby reducing cardholders’ risks. For details please refer to the Limits and Fees Table.
Cardco Hong Kong Limited is in partnership with ePaylinks Technology Co., Ltd (“ePaylinks”), the issuer of ANGEL - [安游] - a prepaid Mastercard for Mainland Chinese Travellers. ANGEL is issued and circulated pursuant to the license from Mastercard Asia/Pacific Pte. Ltd.
ePaylinks is an authorised issuer of prepaid Mastercard® with the Stored Value Facility (“SVF”) license SVF0011 issued by the Hong Kong Monetary Authority (“HKMA”).
The ANGEL App enables users to:
• Open an ANGEL account for the application of ANGEL Card
• Top up and Upgrade Account
• Be updated with exclusive ANGEL Card offers and privileges at merchants
• Receive instant confirmation messages on each login and on any transaction
• Review spending / purchase history
• Make transfers
The ANGEL App is available on both Apple’s App Store and Google Play. At the moment, our app supports iPhones (iOS 7 or above) and Android phones (Version 4.4 or above).
Applicant could also download the App for both iPhones and Android phones on our WeChat service account “An You”
Download the ANGEL App:
Download the ANGEL App through our WeChat service account “An You”:
You need to download the ANGEL App and complete the registration process. You will need to provide a copy of your Hong Kong / China Identity Card (both sides), or passport(For non-China and Hong Kong citizens).
The Card is HKD 300 each, paid during application via the App. Please also refer to the Fee Table for details.
After downloading the ANGEL App, you can start opening an ANGEL account.
All you need is to fill in your name (as shown on identification documents) and a valid phone number. You will need to take a photo of HKID or China ID (both sides), your passport(For non-China and Hong Kong citizens) and use your smartphone to take a selfie for verification. We will check and process your account registration within 7 working days.
You can open an ANGEL account if you are NOT a citizen of any country on the sanctions list. If you have a valid ID or passport(For non-China and Hong Kong citizens), simply fill in your personal information and mobile phone number.
Cardholders can submit their personal identification information to upgrade their 1-star (anonymous) ANGEL card to a 3-star (real-name registered) ANGEL Card: -
1. Go to “My account” in ANGEL App
2. Press “Upgrade Your Account” (refer to picture below)
3. Input all the required info and submit your ID/Passport(For non-China and Hong Kong citizens) and Selfie through the App
Upgrade approval will be completed within 7 working days, upon receipt of all proper documents.
Once you have successfully completed the registration process, your card will be sent to you within one week in Hong Kong and China; shipping time may vary for other destinations.
ANGEL Card does not require a monthly or annual fee; the ANGEL App is also free to download. With ANGEL card, there is no transaction fee as you shop worldwide, online or offline. However, you may be charged for some specific services, such as shopping in foreign currencies, ATM withdrawals, refunds, card replacements etc. Please refer to the Fee Table for details.
The validity of an ANGEL card is about 3 years.
Each User with the same ID or each mobile phone number can have a maximum of 2 ANGEL Cards.
There are anonymous and real-name registered ANGEL Cards. Anonymous (1-star) card can only be topped up and used for consumption but cannot make transfers, withdrawals or report loss. However, Cardholders can submit ID and other personal information to upgrade from an anonymous (1-star) to a registered (3-star or 5-star) ANGEL Card.
A registered ANGEL Card is secured with an ANGEL account and the card can be used for top-ups, consumptions, transfers, ATM withdrawals and report loss. For details, please refer to the Limits and Fees Table.
Cardholder can upload identification document and other personal information to the ANGEL card official website (www.CardAngel.com) or the ANGEL APP so as to upgrade from an anonymous (1-star) to a registered (3-star) ANGEL Card.
Hong Kong cardholders can upgrade a 3-star ANGEL card to a 5-star card by topping up via interbank transfers (except for Bank of China or any bank which does not show “Sender Bank Account Name”).
Within 7 working days.
Cardholder’s personal information cannot be changed once confirmed in the App. To update this information, please call CS at +852 2812-0100 or email AngelCare@CardAngel.com
No, but applicants under 18 years old will need to submit their guardian’s information for real-name registration (KYC) process.
Applicants under 18 years old need to email below documents to AngelCare@CardAngel.com for real-name registration (KYC): -
1. ID card front/Passport Information page(For non-China and Hong Kong citizens) image of guardian
2. ID card back image of guardian (Applicable to China ID cardholders)
3. Guardian’s image with ID/Passport held in hand
4. Proof of relationship (Birth Certificate/Census registration etc…)
First-time users of ANGEL App will be prompted to set up their password and payment PIN. The login password is required to access the App, while the payment PIN is a 6-digit password for ATM withdrawals, certain retail Point of Sale transactions and fund transfers within the App.
“Login password” is the security code to access ANGEL App, while “PIN” is the 6-digit code for financial transactions (e.g. for cash withdrawals at ATM machines).
Upon receiving your ANGEL Card, you can set your own 6-digit PIN under Profile in the ANGEL App by tapping “PIN”.
Tap the “Change Card PIN” button under “My Account” in the App, tap “Get” and a verification code will be sent to your registered phone. Enter the code and follow the steps below:
Tap “Forgot” on the login screen of ANGEL App or www.CardAngel.com, a new login code will be sent to you by SMS.
Please tap the “Forgot” button if you forget your Login password, we will send you a new login code by SMS.
For security reasons, your account will be locked if you input wrong login passwords for 5 times.
For security reasons, cardholders’ personal information cannot be changed once confirmed in the App. Please contact AngelCare@cardangel.com for assistance.
Upon the receipt of ANGEL card, you can activate it by tapping “Activate / Apply” in the ANGEL App.
Cardholders can submit their personal identification information to upgrade their 1-star (anonymous) ANGEL card to a 3-star (real-name registered) ANGEL Card: -
Go to “My account” in ANGEL App
Press “Upgrade Your Account” (refer to picture below)
Input all the required info and submit your ID/Passport(For non-China and Hong Kong citizens) and Selfie through the App
Upgrade approval will be completed within 7 working days, upon receipt of all proper documents.
There is no transaction fee for topping up in Hong Kong. However, your bank may charge a fee on interbank e-transfer.
No, but there is a limit on available balance depending on the level of the card. Please refer to the Limit Table.
Top-up can be done through:
1) Online bank transfer or FPS (Hong Kong)
2) Cash deposit at BOC ATMs (Hong Kong)
3) Binding Bank Account / UMF (China)
Cardholders can top up ANGEL card via ATM cash-in or Interbank transfer to Bank of China
A/C Number: 012-875-0-051254-3 for HK Dollar
A/C Number: 012-87592-67276-7 for RMB/USD
Once completed, upload the photo of the transaction receipt to ANGEL website or App.
* There are top-up limits on each ANGEL card level, please refer to Limits and Fees for details.
Please see the images below for reference.
Top-up limit varies depending on the level and the characteristic of the ANGEL card, please refer to the Limit Table for details.
All 3-Star & 5-Star cardholders can make instant top up to HKD ANGEL Card by using FPS (Fast Payment System) directly through the following 4 banks:
• HSBC
• Bank of China
• Hang Seng Bank and
• Standard Chartered Bank
For other banks, you can continue using our current top-up options.
How to do “Instant Top Up” for Angel card?
Important:
1. Instant Top Up is only available for Mainland China Bank Account holders with a valid China ID.
2. The Registered China bank account must have the same name and same phone number as your ANGEL Card account.
3. 1% service fee applies
Procedure:-
1. Log in to ANGEL App
2. Go to “My Account” and click "Top up (RMB/HKD)"
3. Input top up amount,
4. Then Click “Top Up”
5. Click “Add New Card” to bind with your bank account in China to enjoy:
- Instant top up for your ANGEL card
- Instant upgrade to 5-star status & the highest top-up limit of RMB 85,000
How to top up ANGEL card using your bound China Bank card?
1. Login ANGEL App
2. Go to “My Account” and click “Top up (RMB/HKD)”
3. Input Top up amount.
4. Click “Top up”
5. Click on your China bank card
6. Click on “Verification Code” to get your code
7. Input your “Verification Code” to confirm your top up amount
8. If a confirmation SMS is received, that means your money have transferred to your ANGEL card.
ANGEL account can be topped up from foreign bank accounts by bank transfer. However, the bank in your home country and the receiving bank in Hong Kong may charge a fee. When performing such top-up, the transfer has to be done from a bank account under your name.
Please email AngelCare@CardAngel.com with the following details: ANGEL Card number, ATM location, Date & Time and Top-up amount.
If a top-up is received before 3:00pm (Hong Kong Time) on a business day, your money will reach your ANGEL account by 6:30pm on the same day. Any top-up that is received after 3:00pm or on a non-business day will reach your ANGEL account by 6:30pm on the following Hong Kong business day.
For Top-Ups in Hong Kong:
For interbank transfer, most banks take 1-2 business days to process regular (free) e-transfers. Balance will only be updated when your fund is received.
For BOC e-transfers or cash deposits, if the top-up is received before 3:00pm (Hong Kong Time) on a business day, your money will reach your ANGEL account by 6:30pm on the same day. Any top-up that is received after 3:00pm or on a non-business day will reach your ANGEL account by 6:30pm on the following Hong Kong business day.
For Top-Ups from Overseas:
Please check with your bank the time required for transfers to Hong Kong.
Maximum balance varies depending on the level and characteristic of your ANGEL card. 5-star cardholders can have up to HK$100,000 or RMB85,000 or USD13,000 in their ANGEL Accounts. For details, please refer to the Limit Table.
Cardholders should check the balance through ANGEL APP.
REMINDERS: Cardholders should be aware of the card balance before your spending to avoid any unsuccessful transaction related fees and charges or card locking.
Yes! The steps are the same as adding other credit cards to WeChat / Alipay.
Notes:
1. Alipay account needs to be real-name registered. (KYC)
2. ANGEL card can only be used for spending.
Yes. ANGEL cardholders can make card to card transfer.
No. Only 3-Star and 5-Star Angel cardholders can make card to card transfer.
1-Star Angel cardholders can receive money only.
3-star and 5-star ANGEL Cardholders can withdraw cash at any ATM machine around the world bearing the Mastercard®, Cirrus®, Maestro® logo, however, charges apply. Please refer to the Fee Table for details.
Insert ANGEL card and pay with a payment terminal on your first transaction to enable the contactless feature of your ANGEL Card. After that, simply tap the card on the card reader for payment anywhere you see the contactless symbol .
Any merchant or website that supports Mastercard Payment.
You can check your transaction history in ANGEL App.
One Year.
All exchange services are provided by Mastercard International.
Card validity period and security code; some sites may also require the name of cardholder.
It depends on the merchant; and there is a service charge per refund. Please refer to the Fee Table for details.
Due to the difference in exchange rates.
There may be a limit of HK$1,000 per transaction. However, merchants can set their own limits. If the transaction amount is above the limit, cardholder would have to swipe and sign like a regular card.
Tap the “Change Card PIN” button under “My Account” in the App, tap “Get” and a verification code will be sent to your registered phone. Enter the code and follow the steps below to reset the PIN:
We do not recommend using ANGEL Card for pre-authorisations. Since merchants may hold the pre-estimated amount, the actual available balance might not be correctly shown in ANGEL account; and it may take up to 45 days for the pre-estimated amount to be available for use again.
You can still use and top up your ANGEL Card; however, you will not be able to check your Card balance or receive notifications.
Upon receiving a new phone, download the ANGEL App again and login with the same information. If your mobile phone number has been changed, please contact us at AngelCare@cardangel.com so we can update your profile.
If you lose your ANGEL Card, you should lock your card immediately.
Go to “My Account” in ANGEL App
Tap the “Disable Card” icon and enter your PIN to block your card.
Once you have located your ANGEL Card, please tap the “Enable Card” icon and enter your PIN to unblock your card.
For security reasons, your account will be locked if you input wrong login passwords for 5 times.
Please tap the “Forgot” button if you forget your Login password, we will send you a new login code by SMS.
Your card may be locked due to security reasons. If wrong PIN is entered 3 times at an ATM or in a store, ANGEL card will be locked until 00:00 Hong Kong Time. The card will be unlocked automatically afterwards.
If transactions fail multiple times due to insufficient fund, ANGEL card will be locked. Cardholders should call Customer Service at +852 2812-0100 for assistance.
You may check the card balance in ANGEL App.
Abnormal transaction or card expiration etc. may result in the card being suspended; cardholder can check with customer service at +852 2812-0100 or 24-hour China toll-free +86 400-678-6688.
When the card is suspended, you cannot access your account via the ANGEL website/App or transaction fails.
Customer Service Officer will confirm the postal address with cardholder before the expiration date of the card. A new card will then be sent to the cardholder.
