Just want to get some clarity on CCB Eye card
HK online / Paywave spend is HK$3 per 1 AM with a yearly cap of HKD75k (running from 1 Jan to 31 Dec).
Overseas spend (i.e. non HKD) either online or physical card transaction (not inclusive of Paywave) AND HK online travel (travel agent, airline, etc) is HK$2.14 per 1 AM with a yearly cap of HKD50k (running from 1 Jan to 31 Dec) AND you have to sign up to Instant Travel Club.
Are the two spending caps exclusive of each other?
Thanks!