The Photo ATM Card Production and Application Service Terms and Conditions

The application and the production of the Photo ATM Card through the upload of your photos and Card Design is subject to the below terms and conditions. Once you have submitted your Card Design, you are deemed to have read, understand and agree to accept and be bound by the following terms and conditions (including any changes to these terms and conditions from time to time).


  1. You agree to provide the photos and your Card Design to the Bank and authorize the Bank in and outside Hong Kong to collect, hold, use and process the uploaded information in order to provide the Photo ATM Card Production Service to you. The Bank may provide or disclose your uploaded photos and / or input data to relevant persons in accordance with applicable laws or to comply with the guidelines issued by regulations or other authorities (including but not limited to government departments, the judiciary or the tax authorities). The Bank reserves the right to keep the photos and the information and delete such photos and information after a period which the Bank deems necessary or appropriate.
  2. You can design your Photo ATM Card starting from the next business day upon successful Photo ATM Card service application by uploading your photo(s) and submit with the relevant “Photo Card Application Reference Number” (Ref #). Each Photo ATM Card must be submitted with the relevant Ref # and email address. The email address(es) provided is (are) only for communication related to the Photo ATM Card application. You must ensure the correct Ref # had been inputted before confirming the respective Card Design submission. Only one photo submission under the Ref # is allowed. The Bank will not accept any extra photo uploaded. You need to upload the photo ATM card design within 3 months after applying for the photo ATM card service. Otherwise, the Bank reserves the right to cancel your Photo card application without prior notice.. For any dispute, the decision of the Bank is final.
  3. Once the Card Design had been submitted, no changes can be made. The Bank will process the Card application according to the submitted Card Design. The Bank will not, in any cases, accept any re-submitted Card Design for Photo ATM Card which had already been submitted and/or issued, whether it is due to poor print quality or any other reasons.
  4. If your Photo ATM Card needs to be replaced due to loss or damages, the Bank will charge HK$100/RMB$100 handling fee (handling fee is subject to adjustment from time to time). No change on the Card Design of the re-issued Photo ATM Card is allowed, the Bank will issue a replacement Photo ATM Card to you according to your previous Card Design submission.
  5. You had read and agreed to comply with the respective Photo Guidelines to upload photos to design their Photo Card. The Photo Guidelines shall not constitute to all photo upload guidelines. The Bank reserves the right to modify the Photo Guidelines at any time. The Bank reserves the right to reject any Photo ATM Card application at any time (regardless of whether the Card has been submitted and / or has been issued) without prior notice or will not obtain prior consent and without giving any reason (whether Photo Guidelines has been complied or not) to the Customers. If any dispute, the Bank reserves the right to final decision at any time. If the Bank decides not to accept the photos after the Photo ATM Card had been processed or issued, the Bank may, at any time terminate, disable, withdrawal and/or revoke the Photo ATM Card and the use of the Photo ATM Card without giving any reasons or prior notice. Upon receipt of the any instructions by the Bank, you agree to cut the Photo ATM Card into half and return to the Bank immediately.
  6. You shall acknowledge and agree to ensure that the uploaded photos do not and will not infringe any intellectual property rights (including but not limited to any copyright) and / or other third party rights. The Bank has no obligation to verify the truth or authenticity of the commitment made by you. You shall indemnify the Bank for all the claims, demands, proceedings, liabilities, damages, losses, costs and/or expenses (irrespective of any nature, or whether it is direct or indirect) beared or suffered by the Bank (whether it is brought about by you or any third party), or induced and encountered by the Bank as a result of the photo submitted by you, the Photo ATM Card itself and the use of the Photo Card, or in respect of the Bank storing, modifying, copying or using the photo
  7. You warrant that, as far as you are aware, the image does not contain any computer viruses or violate the Photo Guidelines.
  8. Your Photo ATM Card Production and Application shall be bound by the “Disclaimer and the Privacy Statement” and the “Terms and Conditions for Accounts and Related Services (For Individuals)” of the Bank.
  9. The Bank reserves the right to revise these Terms and Conditions and terminate or revise the Photo ATM Card production and application service without prior notice. In case of dispute, the decision of the Bank shall be final and binding.
  10. If there is any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevails.
  11. These Terms and Conditions are governed by and must be construed in accordance with the laws of HKSAR.


Photo Guidelines

Please make sure the uploaded photo meets the following requirements:

1. Photos can be in JPEG (.jpg), PNG, GIF or Bitmap (.bmp) format, dimension should not be less than 420 × 420 pixels, suggested resolution is 300 dpi.

2. File size should be less than 10MB.

3. Please position the image to cover the card completely.


The uploaded photos must fulfill the below requirements:

1. The photo shall be an everyday life photo which must include the cardholder in the photo.

2. The photo must not contain the following elements:

  1. Any elements, text or image of the photos or on part of the photos which may constitute to the violation of laws
  2. Any text, themes and images related to politics
  3. Any elements, text or image in relation to racial or ethnic discrimination
  4. Any elements, text or image in relation to religious beliefs, or discrimination against religious
  5. Any elements, text or image which are insulting, defamatory or discriminatory to others
  6. Any materials containing the bloody, violent, pornographic, obscene, indecent, etc., element
  7. Any contents which may cause physical or mental discomfort
  8. Any element, text or image which lead to infringement of portrait rights, brand rights, copyrights and privacy
  9. Any element, text or image which lead to any infringement of third party intellectual property rights and may harm or damage the image of a brand or the celebrities of a third party
  10. Any significant trademark or logo (such as the Olympic logo, World Cup logo, etc.), brand-name products or services, pictures, including these brand's logo, acronym, abbreviation, similar text or image
  11. Contains element for advertising and promotion
  12. Language, symbols or figures, including the phone number or service which is apt to cause misunderstanding or confusion
  13. Any element, text or image which may affect the bank's card security device and the bank's normal operation
  14. Any text, photos, figures, brands, logos which may easily cause confusion to the card processing merchants
  15. Any text or photos which the Bank believes it's not suitable
  16. Any violation of the rules and guidelines set by China UnionPay from time to time


The Bank reserves the right to determine whether the Photo Guidelines are met and reserves the right to final decision at any time.