Interest-free Spending Instalment Plan

Enjoy flexible repayment by 6-60 monthly instalments

With a Hang Seng Credit Card Interest-free Spending Instalment - Personalized Monthly Handling Fee Plan ("Instalment Plan"), you can settle retail spending easily by instalments!

Monthly Handling Fee as low as 0.22%⁺
You can choose to repay by 6, 12, 24, 36, 48 or 60 monthly instalments
You can combine various transactions e.g. spending at retail merchants or online bill payment on Hang Seng credit card statement for application^
You can apply with different monthly statements


Application Hotline 2998 6868 2998 6868
Log on Hang Seng Personal e-Banking*
Please apply 7 working days before credit card statement due date

From 25 July 2019 to 24 November 2019 ("Promotion Period"), you can enjoy up to extra $100 Cash Dollars upon approval of online* application for Instalment Plan with 12 or above monthly instalments:

Accumulated Approved Instalment Plan Amount for online* application	Cash Dollars
HKD15,000 - HKD29,999	$50
HKD30,000 or above	$100

Example: Assume the monthly handling fee is 0.22% with Approved Instalment Plan Amount of HKD30,000 by online* application.
No. of instalment	:	12 months
Monthly handling fee	:	HKD30,000 × 0.22% = HKD66
Monthly repayment	:	(HKD30,000 ÷ 12) + HKD66 = HKD2,566^# (included handling fee)
Extra Cash Dollars	:	$100 Cash Dollars

Example: Assume the monthly handling fee is 0.22% with Approved Instalment Plan Amount of HKD30,000 by online* application.
No. of instalment	:	12 months
Monthly handling fee	:	HKD30,000 × 0.22% = HKD66
Monthly repayment	:	(HKD30,000 ÷ 12) + HKD66 = HKD2,566^# (included handling fee)
Extra Cash Dollars	:	$100 Cash Dollars

+ The 0.22% monthly handling fee is applicable to selected customers and designated instalment amount and is for reference only. The handling fee is to be determined by Hang Seng from time to time for individual promotion. The annualized percentage rate(APR) of 0.22% monthly handling fee are as follows: 4.61% for 6 months, 4.95% for 12 months, 5.11% for 24 months, 5.14% for 36 months, 5.13% for 48 months, 5.11% for 60 months. The APR is calculated based on the requirement of the Code of Banking Practice. APR is a reference rate which expresses the fees and charges of respective product as an annualized rate.

^ The minimum total amount is HKD3,000 or above. Applicable to designated spending categories only, for details, please refer to clause 3 of the Terms & Conditions for Interest-free Spending Instalment - Personalized Monthly Handling Fee Plan.

* Must apply via website of Hang Seng (hangseng.com) or Hang Seng Personal Banking Mobile Application.

# The above example is for reference only, for the actual monthly instalment amount, please refer to monthly statement.

Remark: No Cash Dollars will be offered on the handling fee and monthly instalment amounts.

To find out more about terms & conditions of the offer, please click here.

To borrow or not to borrow? Borrow only if you can repay!