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Interest-free Cash Instalment Plan
Hang Seng Credit Card Interest-free Cash Instalment plan offers you flexibility to get extra cash at the ultimate convenience. Monthly handling fee as low as 0.18%(1) Your interest-free cash instalment is pre-approved(2). Call us or apply online now!
  • The cash withdrawn is interest-free(3) for your flexible use
  • Pre-approval with no income proof required(2)
  • You can choose a repayment period of 6 to 60 months
  • You can enjoy personalized monthly handling fee as low as 0.18%(1) (i.e. for every HKD10,000 cash withdrawn, the monthly handling fee is as low as HKD18(4))
  • Cash directly disburse to your designated account to better fit your personal planning
  • Apply now to enjoy up to $800 Cash Dollars(5)
  • Special offer is valid until 24 November 2019
Assume the cash withdrawal amount is HKD50,000, with a 0.18% personalized monthly handling fee and a 36-month repayment period:
Monthly repayment amount = ( Cash withdrawn ÷ No. of Instalment ) + Monthly handling fee
  = ( HKD50,000 ÷ 36 ) + ( HKD50,000 x 0.18% )
  = HKD1478.89(6)
Apply now to enjoy up to $500 Cash Dollars(5) upon approval.
Approved Cash Instalment Amount (HKD) Repayment Period
12/24 Months 36/48/60 Months
30,000 - 79,999 $100 $150
80,000 - 149,999 $200 $300
150,000 - 249,999 $250 $350
250,000 or above $350 $500
Apply online to get up to extra $300 Cash Dollars(5) :
Approved Cash Instalment Amount (HKD) Extra Cash Dollars
80,000 – 149,999 $150
150,000 or above $300

Easy Application! Act now!

Application / Enquiry on Personalized Handling Fee and Pre-approval Amount:*
  1. Personal e-banking customer click here
    Other customer click here
  2. Hang Seng Personal Banking Mobile App
  3. Hotline: 2998 6868

* If your pre-approved loan size is not available on our website, please call 29986868 for enquiry.

  1. The 0.18% monthly handling fee is applicable to selected customers and the approved cash instalment amount has to reach the specific requirement, 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 0.18% monthly handling fee are as follows: 3.76% for 6 months, 4.04% for 12 months, 4.18% for 24 months, 4.20% for 36 months, 4.20% for 48 months, 4.19% 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.
  2. Applicable to selected customers only. For details, please refer to T&C for interest-free cash instalment plan clause 1 & 4.
  3. If you fail to make full repayment of the statement balance specified in your credit card account statement on or before the payment due date of each month, you shall pay a finance charge and other charges on any monthly instalment amount due but unpaid at the prevailing interest rate applicable to your credit card account from the post date of such monthly instalment.
  4. The calculation of the monthly handling fee as low as HKD18 is assumed as follow: HKD10,000 (withdrawal amount) x 0.18% (Monthly Handling Fee), this example is for reference only.
  5. Specific approved cash instalment amount and repayment period of 12 months or above is required. Enjoy up to $500 Cash Dollars upon successful application. Apply online to enjoy up to extra $300 Cash Dollars. Please refer to the Terms & Conditions for Cash Dollars Reward for details.
  6. The above example is for reference only, for the actual monthly instalment amount, please refer to monthly statement.

If you need to submit income/bank account proof, please submit the relevant supporting document within 3 working days after application via any of the following channels:

  • Upload to Submit Document Online
  • Fax to 22693096 (Please write your credit card number on the top right corner of the relevant documents)


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