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Whether it's a big purchase, multiple transactions or even your statement balance — it’s up to you how you split it! Spend more freely and have greater cash flexibility. From now to 24 Sep 2026, enjoy exclusive rewards of up to $800 +FUN Dollars [1] to make spending even more rewarding.
Phase 1: 15 Jul to 24 Aug 2026
Phase 2: 25 Aug to 24 Sep 2026
In each phase, you can enjoy Reward 1 by making an eligible spending of HKD800 or above and successfully splitting your transactions into instalments!
Get an extra reward of $100 +FUN Dollars / 20,000 yuu Points if you earn Reward 1 in both Phases 1 and 2, with an instalment amount of HKD20,000 or more in each phase!
Approved spending instalment amount |
Repayment period |
Reward |
Additional reward
|
|---|---|---|---|
HKD5,000 to HKD19,999 |
12 months or above |
$50 +FUN Dollars |
Not applicable |
HKD20,000 or above |
$200 +FUN Dollars |
$100 +FUN Dollars |
New-to-Spending Instalment Cardmembers[4] meeting the below requirements can enjoy an extra Reward 2:
| Eligible instalment a mount | Repayment period | Within Programme Period |
|---|---|---|
| HKD20,000 or more | 24 months or above | $300 +FUN Dollars / 60,000 yuu Points |
Pick a single transaction or combine multiple ones – it’s completely up to you! You only need to spend HKD800 or more.
Apply anytime via Hang Seng Mobile App
Choose freely between 3 to 60 months repayment period
Answer the simple questions below and get your credit card spending instalment monthly handling fee plan
| Debt Consolidation Instalment Loan | Credit Card Minimum Payment |
|---|
| Debt Consolidation Instalment Loan | Credit Card Minimum Payment | |
|---|---|---|
| Monthly repayment amount | HKD - | Minimum Payment |
| Total interest amount | HKD - (Save HKD -) |
HKD - |
| Repayment period | 72 month(s) (Shortened by - month(s)) |
- month(s) |
| Each month you pay (HKD) | Repayment period | Estimated total payment amount (HKD) |
|---|
| Each month you pay (HKD) | Repayment period | Estimated total payment amount (HKD) |
|---|---|---|
| Only the minimum repayment | - month(s) | - |
| - | 36 month(s) | - |
One-off handling fee as low as HKD40
View details
| Approved instalment amount | One-off handling fee of 12-month plan |
|---|---|
| HKD800 – 2,999 | HKD40 |
| HKD3,000 - 5,000 | HKD100 |
| HKD5,001 - 10,000 | HKD200 |
| HKD10,001 - 20,000 | HKD400 |
| HKD20,001 - 30,000 | HKD600 |
| HKD30,001 - 40,000 | HKD1,000 |
| HKD40,001 - 50,000 | HKD1,200 |
| HKD50,001 - 60,000 | HKD1,600 |
| HKD60,001 - 80,000 | HKD2,000 |
Download Hang Seng Mobile App via APK file
Simply pay a personalised monthly handling fee and the instalment amount of the principal. Customise your plan via our Monthly Handling Fee Plan Calculator.
Pay a one-off handling fee in the 1st month. From the 2nd month, you'll only need to pay the instalment amount of the principal.
Your monthly instalment is automatically included in your credit card balance.
Simply pay your credit card balance — no extra actions required.
If you apply before the statement payment due date, the approved amount will be disbursed into your credit card account instantly or by the next calendar day during the following periods:
The minimum instalment application amount is HKD800 and the shortest repayment period is 3 months.
Yes, you can choose to make an early repayment. However, you'll be charged an administration fee on top of the total outstanding monthly fee for your remaining instalments and any interest where applicable.
You can refer to Pre-payment Fee Q&A and Examples and “Early Repayment of Spending and Purchase Instalment Plans" in Key Fact Statement for more details and the fees that may apply.
Up to $12,800 +FUN Dollars
To borrow or not to borrow? Borrow only if you can repay!