Starting out

Discover how to build a solid foundation for recent graduates


Tips for starting your career

Before your work life

  • Before you start your work life, take a break and get ready for your ‘Grad-trip’ , and enjoy a well-planned journey
  • Apply a new credit card with multiple offers to enjoy more rebates from mobile payment, online shopping and overseas spending. Credit cards with low income requirements are also available  
  • Try taking a personality test to help you learn more about yourself and discover which traits you excel in to match with the right job
  • If you are preparing for an interview, practise as much as you can. Remember, you will never get a second chance to make a good first impression

During work life

  • Opening a payroll account to manage your monthly income is a good way to manage your finances. It helps you consolidate all your incomes in one place
  • Don’t forget to research on and compare MPF plans. After picking the right MPF plan, you can consult with an expert on how to allocate your assets
  • Save money on your daily commute by taking advantage of Octopus Automatic Add Value Service from credit card and earn extra Cash Dollars 
  • Manage your bills efficiently by checking e-Statements regularly via the internet or mobile banking service. It helps people who have just started out like you to have a clearer idea of their cash flow and develop a good financial habit
  • After you have received your first paycheck, try to pay off your student loan first before you decide to reward yourself

Beyond your job

  • Start building your wealth and saving for your future. The sooner you start investing, the better prepared you will be later
  • Your company may offer a group medical insurance plan with basic protection, but it may not fulfill your needs at different stages of life. You should review your coverage and financial capability from time to time and choose a medical insurance that suits your needs
  • Stay hungry, stay competitive and save up for your future studies. You can either look for government subsidies (i.e. Continuing Education Fund) or a personal loan to ease your financial burden
Explore our products
Payroll service
  • Switch to Hang Seng Payroll Account to enjoy Cash Dollars Reward
Credit card spending privileges
  • Exclusive 4.4% Cash Dollars rewards for selected mobile payments
  • Multiple overseas spending and online shopping rewards
Other points to note
  1. To borrow or not to borrow? Borrow only if you can repay!
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