Spending Privileges

Open an account and apply for designated Hang Seng Credit Card to enjoy a series of rewards

Splendid Offers

We bring our Green Banking Customers an exclusive range of benefits spanning from banking privileges to lifestyle exclusives to let them follow their dream and grasp every opportunity in life.

Fabulous offers are designated to enhance your Cash Dollars experience

Travel Privileges

Our advanced banking services let you explore life and unveil the world in an easy way

Time to have your own credit card and enjoy exclusive online shopping rewards

Earn up to 6X Cash Dollars ⁽¹⁾⁽²⁾ for overseas or online retail spending with your credit card and earn 5X Cash Dollars⁽³⁾ for purchases at local or online bookstores with University / College Affinity Card
Interest-free instalment and protection for online spending
University / College Affinity Card customers can enjoy a variety of special offers⁽⁴⁾ at designated universities / colleges, and interest-free instalments plus Cash Dollar rewards on tuition fee payments*
Perpetual annual fee waiver for designated Hang Seng Credit Cards⁽⁵⁾

*For selected universities only.

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No monthly fee and minimum balance requirement

Free upgrade to Preferred Banking upon graduation, with no monthly fee required in the first 3 years

New Customers

Get Started Now

Existing Customers

- Notes
- - (1) Use of Cash Dollars and / or Merchant Dollars is subject to Hang Seng Credit Card Membership Rewards Programme and / or other relevant terms and conditions. For details, please call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899.
  - (2) Terms and conditions apply. For details, please visit hangseng.com/3x.
  - (3) Terms and conditions apply. For details, please visit hangseng.com/au5x.
  - (4) Customers may enquire the relevant merchants / associations for the latest offers before undertaking transaction. Hang Seng and the relevant merchants / associations will not be liable for any loss to customers due to changes of the offers. Hang Seng and each relevant merchant / association reserve the right to revise the Terms and Conditions of each corresponding offer from time to time. In case of any dispute, Hang Seng and each relevant merchant / association reserve the right of final decision.
  - (5) Customers holding the Green Banking can enjoy the Perpetual Annual Fee Waiver for one Hang Seng Credit Card. The Perpetual Annual Fee Waiver is not applicable to existing Principal Card customers applying for an extra Hang Seng Credit Card. If any customer currently holds more than one Hang Seng Credit Card, the perpetual annual fee waiver will be applicable to the credit card with the highest annual fee (including Hang Seng Platinum Card, if applicable), but is not applicable to Visa Infinite, World MasterCard, Corporate Cards, Commercial Cards, USD Visa Gold Cards and Private Label Cards. Annual fees already paid will not be reimbursed.

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

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