Mastercard Card Limit – Neat FAQ

The Mastercard card limit is lower than your Neat Account limit(s), but you can add more funds to your Mastercard card(s) at any time from the Neat Business Dashboard.

*Please note that we've paused tier upgrade request after 07 Sep 2020 and the active cards will remain in existing tier until further notice.

Tier 3 (card limit) *As updated on 09/09/2020

In order to be upgraded to Tier 3, you will need to make a request to our Customer Solutions team to have a "T3 form" issued out via "Submit a request". Tier 3 upgrades are usually processed within a week from the receipt of the submitted form.

HKD Card Limit

Card Annual Limit		HK$200,000
HKD Balance	Maximum Balance	HK$100,000
Top-up	Minimum Top-up	HK$100
	Annual top-up limit	HK$200,000
Card transactions	Limit per transaction	HK$100,000
	Annual limit	HK$200,000
ATM withdrawal	Limit per transaction	HK$8,000
	Daily limit	HK$20,000
	Annual limit	HK$200,000

There are 2 types of limits:

Transaction limit & 2) Top-up limit, both the limits are HK$200,000 for T3 cardholders.

Transaction Limit: Includes card payments, P2P transfers & ATM withdrawals

Top-up Limit: Refers to top-up only.
*Please note HK$200,000 is a shared limit for all transaction limits. If the cardholder had two cards with different currencies, they share annual limits and it will be calculated automatically with the exchange rate. Also, note that 2% of ATM withdrawal fee is also included in the ATM withdrawal limit.

USD Card Limit

Card Annual Limit		US$26,000
USD Balance	Maximum Balance	US$13,000
Top-up	Minimum top-up	US$350
	Annual top-up limit	US$26,000
Card transactions	Limit per transaction	US$13,000
	Annual limit	US$26,000
ATM withdrawal	Limit per transaction	US$1,000
	Daily limit	US$2,500
	Annual limit	US$26,000

There are 2 types of limits:

Transaction limit & 2) Top-up limit, both the limits are US$26,000 for T3 cardholders.

Transaction Limit: Includes card payments, P2P transfers & ATM withdrawals

Top-up Limit: Refers to top-up only.
*Please note US$26,000 is a shared limit for all transaction limits. If the cardholder had two cards with different currencies, they share annual limits and it will be calculated automatically with the exchange rate. Also, note that 2% of ATM withdrawal fee is also included in the ATM withdrawal limit

Tier 2 (card limit)
You will be upgraded to Tier 2 within 1 business week after card activation.

HKD Card Limit

HKD Balance	Maximum Balance	HK$50,000
Top-up	Minimum top-up	HK$100
	Annual top-up limit	HK$50,000
Card transactions	Limit per transaction	HK$50,000
	Annual limit	HK$50,000
ATM withdrawal	Limit per transaction	HK$8,000
	Daily limit	HK$8,000
	Annual limit	HK$8,000

USD Card limit

USD Balance	Maximum Balance	US$6,000
Top-up	Minimum top-up	US$350
	Annual top-up limit	US$6,000
Card transactions	Limit per transaction	US$6,000
	Annual limit	US$6,000
ATM withdrawal	Limit per transaction	US$1,000
	Daily limit	US$1,000
	Annual limit	US$1,000

*Please note that 2% of ATM withdrawal fee is also included in the ATM withdrawal limit.

Please note, all users, except those below 18 years old, are usually upgraded to T2 within 1 business week after the card was successfully activated.

You don't need to do anything on your end as it's processed automatically by our services provider.

Tier 1 (card limit)
By default, your card will be in tier 1 after the initial activation.

HKD Card Limit

HKD Balance	Maximum Balance	HK$3,000
Top-up	Minimum top-up	HK$100
	Annual top-up limit	HK$25,000
Card transactions	Limit per transaction	HK$3,000
	Annual limit	HK$25,000
ATM withdrawal	Not available	Not available

USD Card limit

USD Balance	Maximum Balance	US$6,000
Top-up	Minimum top-up	US$350
	Annual top-up limit	US$3,000
Card transactions	Limit per transaction	US$350
	Annual limit	US$3,000
ATM withdrawal	Not available	Not available

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