Pay bills via Hang Seng Personal e-Banking for a host of merchants online conveniently A wide variety of bill type available, including utilities, government, tax, and credit card balance Can choose to pay bill now or set up a forward-dated instruction up to 13 days in advance Enjoy interest-free repayment period up to 56 days Earn Cash Dollars on your bill payment amount (applicable to selected bill types only) Service available for payments using a personal Hang Seng Credit Card (excluding e-shopping MasterCard, USD VISA Gold Card, Spending Card, Private Label Card and JAL Hang Seng Card). Simply register for Personal e-Banking to enjoy this service. No service fee Note: * Please note that Cash Dollars will not be awarded or, if already awarded, will be subject to cancellation with respect to any bill payment amount (or part thereof) which is subsequently refunded to the Cardholders via any means. * For online bill payment with credit card, the payment must be used to settle wholly or partially an underlying genuine debt due to the payee (the "Debt"). The Cardholder is required to provide evidence thereof if so requested by Hang Seng. Hang Seng reserves the right to decline generating Cash Dollars, or to cancel the Cash Dollars generated, for any payment which Hang Seng suspects not be used to settle the Debt. * Effective from 25 November 2005 (4:30pm), online bill payment transactions for Inland Revenue Department (including all forward payment instructions with a payment date of 26 November 2005 or later) completed using a Hang Seng Credit Card will not earn Cash Dollars. * Online bill payment transactions to merchants under the Banking and Credit Card Services Category will not earn Cash Dollars. FAQ Q : How can I enjoy the Credit Card Online Bill Payment Service? A : To enjoy the service, you must have a personal Hang Seng Credit Card (not applicable to e-shopping MasterCard, USD VISA Gold Card, Spending Card and Private Label Card) and have registered for Hang Seng Personal e-Banking. Before paying bills online, please note the following points: 1. add Credit Card account to your Personal e-Banking account list and enable "Transfer From / To Account Function" 2. check available credit limit 3. check daily transfer limit After completing the above arrangements, you will be able to use the online bill payment service. You can log on to e-Banking, choose "Account Services", "Bill Payment" and follow the instructions to make the payment. Q : Can I choose the payment date? A : You can choose to pay now or set up payment instructions up to 13 calendar days in advance. For both "Pay Now"and "Forward Date" instructions, please note that the respective credit limit will be held once you have confirmed the instruction. Q : Is there any limit for bill payment amount with credit card? A : The maximum daily bill payment limit is HKD500,000 and is also subject to your available credit card limit. There is also a daily payment limit for different category of bills, please check details in Personal e-Banking, (Customer Services > Account Maintenance > Transfer / Bill Payment Limit). For payment to Banking and Credit Card merchants, the default transfer limit is HK$0 and you are required to register the respective bill account number(s) at any Hang Seng Bank branches in person. To increase your transfer limit and register bill account number(s) under the category of Banking and Credit Card, please download the "e-Banking Daily Limit Maintenance Form" and the "e-Banking Bill Payment Registration / Amendment Form", complete and return the forms to any of our branches. To reduce the transfer limit, simply do it online from the aforesaid webpage. Q : How can I increase my credit card limit? A : You can do so by completing and submitting the "Request for Increase in Credit Card Limit Form"* in Personal e-Banking (Select "Credit Cards" > "Other Related Services" from the service menu). The request must be submitted by the Principal Card Holder. We will inform you of the results within next working days # by phone / e-mail. * For credit limit increase, please raise your request within 14 working days prior to your usage date. # Please allow three to five working days during peak period of tax payment (December and April) due to anticipated high volume of requests Alternatively, you can complete the "Credit Limit Increase Request Form" at the back of Credit Card monthly statement and return by mail / fax to Hang Seng Bank Card Centre Q : For cheque deposited to my credit card account, when can I utilize it? A : The deposited amount will be available for your usage two working days after your deposit. Q : Will I receive a confirmation for my online bill payment with Credit Card? A : For all successfully processed instructions, you will receive a reference number instantly and you are advised to 'print' or 'save' your payment details for your own reference. Notification will only be sent to your "Inbox Message" of Personal e-Banking if payment instruction cannot be processed successfully. For successful payment*, you can check your payment record in Personal e-Banking (in the "Account Details" under the "Account Services" section) one working day after your payment execution date. * For payment which made before 4:30pm from Mon- Fri and 11:30am on Sat. Q : Will the online bill payment transactions be shown on my credit card statement? A : You will receive statement as normal with details of your online bill payment transactions shown. Q : What kinds of bill can I pay by credit card online? A : You can pay for a host of merchant bills with this service. Please click here to view payee list/bill types available. Q : What is Payee List, and how to set up a payee list? A : A Payee List is a list of paper bill accounts to which you wish to make payment regularly. You may set up your own payee list online by selecting "New Payee"and after paying the paper bill, your own online payee list* will be established automatically. For payees under the Banking and Credit Card Services, you are required to register the bill account number(s) at any Hang Seng Bank branches in person. * If the bill account number is not a fixed account number, it will not be recorded in your payee list.