The UTGL Asset Link Credit Card transforms the trust industry by enabling true asset autonomy and easy access to your trust-held assets, supported by a one-stop licensed trust administration platform.
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*Asset link credit limit is automatically derived from the market value of eligible trust assets
Yes. You can apply for up to 5 supplementary cards.
A supplementary card lets you share the benefits and convenience of your UTGL Asset Link Credit Card with your family and friends. With just one trust account, your family members or friends can enjoy the suite of exclusive benefits and privileges. Plus, you can monitor all transactions in real time, control supplementary card holder’s daily or monthly spending with flexible spending limit settings and repay all cards at once on UTGL.
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Simply withdraw cash from any Mastercard-accepting ATM using your UTGL Asset Link Credit Card, available across 210 countries worldwide.
*ATM withdrawal fees & charges may apply. Refer to key fact statement for details.
If you have placed an instruction to enable UTGL AutoPay for automatic repayments, repayments towards the outstanding balance will be made automatically in accordance with your pre-configured instructions. The assets applied towards repayment are determined solely by your repayment preferences, which you set when enabling UTGL AutoPay and can update at any time with just a few clicks.
You can also disable UTGL AutoPay by an instruction to regain full control over the UTGL Asset Link Credit Card repayments. You decide when and how to settle the outstanding balance. Interest will be calculated daily on the outstanding balance.
If you have instructed UTGL to enable UTGL AutoPay for automatic repayments, you won’t be charged any interest proving that you have adequate eligible assets in your card account for repayments.
Otherwise, for ATM transactions, interest is charged immediately. For purchase transactions, your card account will not be debited until the merchant has presented your card transaction to us requesting payment. We will send you a notification, through the portal or by email, on the day purchase transaction(s) are debited.
Interest Fee = (Account Outstanding Balance – Repayments) x Daily Interest Rate.
Interest is calculated and debited to the outstanding balance of your account, where applicable, daily. The payment cut-off time will be the end of that day (24:00:00 HKT) giving you ample time to settle the payment during the day.
There are no minimum repayments and no fixed payment due dates. You pay at your own discretion.
You can log in to your UTGL Trust Platform to see all your transactions.
You can change the current setting of the Auto Repayment feature on your UTGL digital trust platform at any time.
Your assets are always safe and under legal protection.
While your balance is not settled, the interest charges will continue to accrue until the day you fully repay the outstanding balance of your account.
It is a safety feature that prevents a client's credit card from making contact with offline contactless payment terminals during delivery and transit resulting in unexpected transactions and monetary loss. Therefore, the credit card may be restricted from some contactless payment terminals for the first transaction. Subsequent contactless transactions will go through normally.
