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

Tax payment, retail shopping, travel expenditure can all be repaid by instalment! From 1 December 2018 to 28 February 2019, you could apply Hang Seng Credit Card Interest-free Spending Instalment Plan(1) to repay General Spending and Online Tax Payment by 6 or 12 monthly instalments with one-off handling fee!


General Spending

  • One-off fixed-amount handling fee as low as HKD70 and can choose 6 or 12 monthly instalments(3). Completely interest-free(1).
  • You can combine various transactions e.g. spending at retail merchants and online bill payment on Hang Seng Credit Card Statement for application(2).
Approved Instalment Plan Amount
(can combine various transactions)
One-off Handling Fee
6-month instalment 12-month instalment(3)
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
Application
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
  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. General Spending includes local and overseas payment made at physical stores or online retail merchants (except tax payment).
  3. 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 November 2017 to 15 November 2018.
Remark: No Cash Dollars will be offered on the handling fee and monthly instalment amounts.



Online Tax Payment

  • One-off fixed-amount handling fee as low as HKD100 and can choose 6 or 12 monthly instalments. Completely interest-free(a).
  • Applicable for payment of personal or third party tax bills via Hang Seng Personal e-Banking Online Bill Payment Service by Credit Card.
Approved Instalment Plan Amount
(Application can be submitted separately for each tax payment transaction)
One-off Handling Fee
6-month instalment 12-month instalment
HKD3,000 – HKD10,000 HKD100 HKD200
HKD10,001 – HKD20,000 HKD200 HKD400
HKD20,001 – HKD30,000 HKD300 HKD600
HKD30,001 – HKD50,000 HKD500 HKD1,000
HKD50,001 – HKD100,000 HKD1,000 HKD2,000
HKD100,001 – HKD150,000 HKD1,500 HKD3,000
HKD150,001 – HKD200,000 HKD2,000 HKD4,000
Application
  1. Apply after online tax payment by credit card at Personal e-Banking(b)
    Steps to apply
  2. Application Hotline 2998 6868(c)
  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. If you do not apply Online Tax Payment Instalment in Hang Seng Personal e-Banking right after the tax payment transaction via the Online Bill Payment Service, you are not able to apply on Hang Seng Personal e-Banking again. If you wish to apply later, please call 2998 6868 after the online tax payment is posted and within 9 working days prior to corresponding credit card statement due date. If you cancel the corresponding online tax payment transaction, or amend the scheduled tax payment date and/or payment amount subsequent to this Online Tax Payment Instalment application, Hang Seng may not be able to process this Online Payment Instalment application. If you are not able to receive the application result by post within 14 working days from the scheduled tax payment date, please call 2998 6868.
  3. Please apply after online tax payment is posted and within 9 working days prior to corresponding credit card statement due date.
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!