Hang Seng Credit Card Spending Instalment

Spending Instalment - Personalized Monthly Handling Fee Plan
Split your bills and enjoy spending

Promotion Period 25 Nov 2022 to 24 Mar 2023

With Spending Instalment - Personalized Monthly Handling Fee Plan, you can settle your spending by monthly instalment! Live quality life with ease!

Personalized monthly handling fee as low as 0.13% for all selected customers^1,5

3, 6, 12, 24, 36, 48 or 60 months flexible repayment period

Combined eligible spending and online bill payment
(except tax payment)
(as low as HKD800)²

Instant approval and instalment³

Spending Instalment – One-off Handling Fee Plan for Online Tax Payment

One-off handling fee as low as HKD 100
Split tax bill with 6 or 12 months repayment period
Applicable for payment of personal or third party tax bills
Available from 1 Dec 2022 till 31 May 2023

One-off handling fee
Approved tax payment instalment amount	6-month Instalment	12-month Instalment
HKD 3,000 - 10,000	HKD 100	HKD 200
HKD 10,001 - 25,000	HKD 200	HKD 400
HKD 25,001 - 50,000	HKD 300	HKD 600
HKD 50,001 - 75,000	HKD 500	HKD 1,000
HKD 75,001 - 100,000	HKD 1,000	HKD 2,000
HKD 100,001 - 150,000	HKD 1,200	HKD 2,400
HKD 150,001 - 200,000	HKD 1,500	HKD 3,000
HKD 200,001 - 250,000	HKD 1,800	HKD 3,600

Customer can apply for Online Tax Payment instalment separately for each online tax payment transaction, no restriction on the number of applications.

If you do not apply Tax Instalment Plan instantly right after the online tax payment, please call 2998 6868 to apply after the tax payment transaction is posted prior to credit card statement due date, referring to the required time for approval and transferal.

Apply Now via
Personal e-Banking⁴

Apply Now⁴

Website hangseng

com/cardsi

Hang Seng Personal Mobile App

Hotline (852) 2998 6868

Minimum instalment application
amount from HKD 3,000 and 6-months

Note:

The 0.13% 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 0.13% monthly handling fee are as follows: 2.37% for 3 months, 2.71% for 6 months, 2.91% for 12 months, 3.01% for 24 months, 3.04% for 36 months, 3.04% for 48 months, 3.04% 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. Please logon Hang Seng Personal e-Banking or call (852) 2998 6868 to check your personalized handling fee.
Spending Instalment – Personalized Monthly Handling Fee Plan includes local and overseas payment made at physical and online stores or online bill payment (except tax payment). For details for the designated spending categories, please refer to the related Terms and Conditions.

Please apply prior to the credit card statement due date, required time for approval and transferal as below:

Application phase	Required time
Approval result	Instant
Transfer approved amount to credit card account	Amount will be disbursed to your credit card account on the same day if application submitted within below time period. If not, it will be processed on or before the next day: Mon to Fri: 00:00 – 19:00 Sat : 00:00 – 17:30 Sun : Full day

For Hang Seng Website or Hang Seng Personal Banking Mobile App, minimum instalment application amount is from HKD 800 and 3-months. For application hotline, minimum instalment application amount is from HKD 3,000 and 6-months.
Only selected customers can apply Spending Instalment. Customers can log on to Hang Seng Personal e-Banking to check the Spending Instalment Application form or call 2998 6868 to check if qualified. For details, please refer to respective Terms & Conditions clause 1.

Spending Instalment - Personalized Monthly Handling Fee Plan product Terms & Conditions and Key Facts Statement
Spending Instalment - One-off Handling Fee Plan for Online Tax Payment product Terms & Conditions and Key Facts Statement

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