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

Want to live quality life with ease? From 1 November 2019 to 30 November 2019 (“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 handing fee as low as HKD70! 
  • One-off fixed-amount handling fee as low as HKD70 and can choose 6 or 12 monthly instalments(2). Completely interest-free(1).
  • Applicable to every monthly statement issued during 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
(can combine various transactions)
One-off Handling Fee
6-month instalment 12-month instalment(2)
HKD3,000 – HKD5,000 HKD70 HKD100
HKD5,001 – HKD10,000 HKD120 HKD200
HKD10,001 – HKD15,000 HKD200 HKD300
HKD15,001 – HKD20,000 HKD250 HKD400
HKD20,001 – HKD25,000 HKD350 HKD500
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 --
Please apply 7 working days before the payment due date stated on your statement.
  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, 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 August 2018 to 15 August 2019.
  3. The minimum total amount to apply for spending instalment is HKD3,000. Applicable to designated spending categories only, for details, please refer to Clause 2 of the terms and conditions.
  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!