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Interest-free Spending Instalment -
One-off Handling Fee Plan

Want to live quality life with ease? From 1 August to 30 November 2018 (“Promotion Period”), with Hang Seng Credit Card Interest-free Spending Instalment – One-off Handling Fee Plan(1), you can settle Hang Seng Credit Card spending by 6 or 12 monthly instalments(2) with one-off handling fee as low as HKD70!
  • One-off fixed-amount handling fee and can choose 6 or 12 monthly instalments(2). Completely interest-free(1).
  • Applicable to every monthly statement issued during the promotion period, which you can apply up to 4 times within the promotion period.
  • You can combine various transactions e.g. spending at retail merchants and online bill payment on Hang Seng Credit Card statement for application(3).
Approved Instalment Plan Amount One-off Handling Fee
6-month instalment 12-month instalment(2)
HKD3,000 – HKD5,000 HKD70 HKD100
> HKD5,000 – HKD10,000 HKD120 HKD200
> HKD10,000 – HKD15,000 HKD200 HKD300
> HKD15,000 – HKD20,000 HKD250 HKD400
> HKD20,000 – HKD25,000 HKD350 HKD500
Example
Spending transaction amount is HKD4,800, with 6-month interest-free instalment(4)
  The first month The second month The third month The forth month The fifth month The sixth month
Instalment Plan Amount HKD800 HKD800 HKD800 HKD800 HKD800 HKD800
Handling Fee HKD70 -- -- -- -- --
Application / Enquiry on Handling Fee
Please apply 7 working days before the payment due date stated on your statement issued within the promotion period.
  1. Personal e-banking customer click here*
    Other customer click here*
  2. Hang Seng Personal Banking Mobile App*
  3. Application Hotline 2998 6868
*Applicable to 6-month instalment application only
If you would like to apply instalment plan with amount above HKD25,000 or longer repayment period (24 – 60 months), you can apply Interest-free Spending Instalment – Personalized Monthly Handling Fee Plan. For details, please click here or call application hotline 2998 6868.
  1. A one-off handling fee will be charged for each Instalment Plan. 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.
  2. 12-month instalment is only applicable to customers who had not successfully applied/held any Hang Seng Credit Card Interest-free Spending Instalment – Personalized Monthly Handling Fee Plan/Interest-free Spending Instalment – One-off Handling Fee Plan/Interest-free Cash Instalment Plan/Balance Transfer Instalment Plan from 16 July 2017 to 15 July 2018.
  3. The minimum total amount to apply for spending instalment is HKD3,000. Applicable to designated spending categories only, for details, please refer to the Clause 2 of the Terms and Conditions for Interest-free Spending Instalment – One-off Handling Fee Plan.
  4. The above example is for reference only. For the actual monthly instalment amount, please refer to monthly statement.
Remark: No Cash Dollars will be offered on the handling fee and monthly instalment amounts.
 
To borrow or not to borrow? Borrow only if you can repay!