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Interest
rate of as low as 11% p.a. |
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First two-year annual fee waiver(1). |
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Loan amount of up to HKD600,000 or six times
your monthly salary(2) (whichever
is lower). |
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Minimum monthly repayment of just 3% of
the statement balance or HKD50 (whichever is higher). |
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Credit limit is restored every time when payment is made without re-applying. |
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Approved loan amount will be instantly credited
directly into your designated bank account. Thereafter,
you can simply withdraw the loan from any ATM
24 hours a day with your Hang Seng Credit Card
/ Hang Seng Card(3); or make purchases
at EPS(4). |
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A five-year annual fee waiver(5)
on the Hang Seng Credit Card and a welcome gift for new credit cardholders. |
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Apply online to enjoy our five-second Instant Preliminary Approval Service. You will get the chance to enjoy a full-year interest and handling fee waiver upon successful application!
Please click here for details, terms and conditions. |
| (1) |
Annual fee of Handy Cash Personal
Revolving Loan is HKD300. Customers who successfully
apply for the loan can be entitled to a first two years
annual fee waiver. |
| (2) |
The final approved loan amount which is calculated
by way of monthly salary multiple is subject to
change in accordance with the circumstances of
individual cases. |
| (3) |
Hang Seng Credit Card customers can operate
their loan account with their existing Hang Seng
Credit Card (not applicable to Supplementary Card,
Corporate Card and Private Label Card). A new
Hang Seng Card may be issued for customers to
operate the loan account (only applicable to those
who indicate on the application form that they
are applying for a Hang Seng Card, or those who
have a credit card already linked to two bank
accounts). |
| (4) |
You can withdraw up to HKD20,000 a day from
any ATM. The limit for transfer and EPS transactions
can be up to HKD50,000 a day. |
| (5) |
Both existing and new Hang Seng Credit Card
cardholders can enjoy a five-year annual fee waiver
upon loan approval. New customers can also enjoy
the gifts/offers of prevailing credit card promotions. |