FAQ

You can use the Octopus Mastercard at most of merchants accepting Mastercard in Hong Kong and worldwide. Simply input the card information during online checkout; and you will receive push notification via the Octopus App for each transaction. Please remember to turn on the notification setting of your mobile device and the Octopus App to enable the delivery of push notification.

Payments made with your Octopus Mastercard will be deducted from your Octopus Wallet , which can be conveniently topped up in the following ways. To top up your Octopus Wallet, please refer to Adding Value to your Octopus Wallet.

If you're an Octopus Wallet Plus or Pro (Verified) user, you can top up your Octopus Wallet instantly via bank app (FPS) or transfer from an Octopus Card that has been linked to a Wallet^, or transfer from a Octopus Wallet Plus or Pro (Verified) user (P2P Payment), or by cash at all 7-Eleven stores.

For more details, please refer to Adding Value to your Octopus Wallet.

^ Card Linking service now only accepts Personalized Octopus Card or Octopus Card with Automatic Add Value Service (AAVS) from Octopus Wallet Plus and Pro (Verified).

You don't need to top up your Octopus Mastercard separately. Octopus Mastercard is using the fund in your Octopus Wallet for purchase. The maximum amount that you can top up to your Octopus Wallet is based on your Octopus Wallet level.

The transaction limit of Octopus Mastercard is subject to the daily transaction limit of Octopus Wallet . In addition, there is an annual spending limit for the Octopus Mastercard.

You can also set the maximum amount per transaction* as an additional control. Simply set your preferred amount in the Octopus App.

*Please note that such per transaction limit is also restricted by other limits such as the daily transaction limit of your Octopus Wallet and the annual spending limit of your Octopus Mastercard.

You will receive a push notification for each transaction made with your Octopus Mastercard via the Octopus App. You can also check the transaction details in the Wallet "Activities" and "Wallet".

For more information, please refer to Conditions of Issue of Octopus and Schedule of Fees and Guidelines relating to the use of Octopus.

The Octopus Mastercard can be used for online payment but certain transactions such as installment payments and/or online purchases that require subsequent presentation of a physical card are not applicable.

Following are the possible reasons:

1. Your Octopus Wallet doesn't have sufficient balance.
2. You may have entered the wrong card information (e.g. card number, CVC2 or expiry date).
3. Your Octopus Mastercard was "disabled" (You can enable it with your Octopus App).
4. The transaction amount exceeds a certain limit in relation to the use of your Octopus Mastercard.
5. You may have entered an incorrect one-time password (OTP) for a transaction protected by Mastercard SecureCode^®.
6. Some merchants or e-wallets do not accept prepaid cards.

Your transaction will be declined if there is insufficient fund in your Octopus Wallet. You can see your Wallet balance in your Octopus App. Simply top up your Wallet before you make purchase with your Octopus Mastercard.

Octopus Mastercard currently support Apple Pay and Google Pay, please visit "Add Octopus Mastercard to Apple Pay" and "Add Octopus Mastercard to Google Pay™"