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By tapping "Start application" below, I agree that Hang Seng Bank Limited ("the Bank") may use and disclose relevant personal data in this application with the operator of the Reward Points Programme.
Annualised percentage rates (APR)[1]
Annual fee[2]

Before applying, make sure you have these identification documents with you:

  • HKID Card / Passport
  • Student card (if you apply as a student) 
  • Staff card (if you apply for University / College Affinity Card as a staff)

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Please try again later or call our 24-hour Credit Card Customer Service Hotline (852) 3161 5688 to facilitate your application.

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24-hour Credit Card Customer Service Hotline 

(852) 3161 5688


Other point(s) to note

  1. Hang Seng Bank Limited ("Hang Seng") reserves the final decision on the approval of credit card, card type and credit limit.
  2. Applicant is required to fulfil the relevant terms and conditions in order to get the welcome gift (where applicable). Please refer to the relevant webpage of the card applied for details.
  3. If you are a full-time university / tertiary student, attending certificate level or above course offered by following accredited education institutions and their subsidiaries, including: accredited universities in Hong Kong, Chu Hai College of Higher Education, Vocational Training Council, Hong Kong Institute of Vocational Education, Hong Kong Academic of Performing Arts, Caritas Institute of Higher Education, Caritas Bianchi College of Careers, Hong Kong Institute of Technology, Hong Kong College of Technology/ HKCT Institute of Higher Education, Hong Kong Adventist College, Centennial College, Tung Wah College, UOW College Hong Kong, Hong Kong Nang Yan College of Higher Education, Caritas Institute of Community Education, Hong Kong Art School, Hong Kong Design Institute, YMCA College of Careers, Gratia Christian College and Yew Chung College of Early Childhood Education. Hang Seng may ask for additional documentation at the year of graduation in handling card renewal.
  4. (Applicable to University / College Affinity Card Application) Hang Seng and the related University / institution reserve the right of final decision on the course eligibility and status of applicants in such university / institution.
  5. Credit card online application requires an iOS 13.2 or above version. (Applicable to iPhone users).


  1. The Annualised Percentage Rates ("APR") are reference rates calculated according to the standard method set out in the Code of Banking Practice. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate.
  2. Designated Credit Cards are subject to perpetual annual fee waiver. For details, please read relevant Credit Card Key Facts Statements.

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