Apply Spending Instalment - Hang Seng Bank

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Apply Spending Instalment - Monthly Handling Fee Plan

This application form will be terminated in mid October 2022. To use our upgraded service, log on to Personal e-Banking and select “Cash Instalment Application” / “Spending Instalment Application” in main menu to apply for personalised repayment plan with different tenors. You can also contact hotline (852) 2998 6868 for more details and phone application.

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Please fill in ALL the information below to proceed.

Personalized Monthly Handling Fee Plan
One-off Handling Fee Plan

Date of Birth

Clear

Other point(s) to note: i. View Notice to Customers and Other Individuals relating to Personal Data (Privacy) Ordinance

Step 1 Apply
Step 2 Confirm
Step 3 Finish

Please fill in the information below. Fields marked "*" are mandatory.

Offer Information

Monthly Handling Fee

Approved Loan Amount (HKD)	Monthly Handling Fee
		Annualized Percentage Rate - APR¹

Application Information

²^* (For principal cardholder only)

Applied Amount

Tenor*

Calculate the monthly repayment amount for different repayment method

Cardholder's Name*(Name as indicated in your Credit Card)

Back

Remark(s)

The annualized percentage rate (APR) is calculated based on the requirement of the Code of Banking Practice. APR is a reference rate which expresses the fees and charges of respective product as an annualized rate.
Not applicable to Supplementary Card, Renminbi Credit Card, Business Card, Commercial Card, e-Shopping MasterCard, Spending Card, USD Visa Gold Card and private label card.
Hang Seng Bank may increase your credit limit at its discretion if your credit limit is insufficient.
You can settle your new spending and online bill payment transactions on your statement by instalment, excluding: carry-over balance from previous statements; instalment or cash advance; e-wallets transaction; online bill payments for any banking transaction and tax payment, etc. Application for the spending Instalment Plan must be submitted 7 working days prior to the credit card statements payment due date.
Under normal circumstances, your application will take three working days to process. If consideration of increasing credit limit is required, your application will take five working days to process. You will be notified of the result by separate post.
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 on all outstanding balance on the credit card account. You shall pay a finance charge and other charges on any monthly instalment amount due but unpaid at the prevailing interest rate applicable to the Credit Card Account from the post date of such monthly instalment.
If you request (i) to cancel or amend the application for the Spending Instalment Plan; or (ii) to make prepayment of the outstanding balance of the Spending Instalment Plan, Hang Seng will charge each time a fee. Please refer to clause 7 of the Terms & Conditions for Hang Seng Credit Card Interest-free Spending Instalment - Personalized Monthly Handling Fee Plan.

Other point(s) to note: Hang Seng Spending Card account is a non-interest bearing account. Funds maintained in the Hang Seng Spending Card account are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong.

Step 1 Apply
Step 3 Confirm
Step 3 Finish

Please fill in the information below. Fields marked "*" are mandatory.

Offer Information

One-off Handling Fee


Approved Instalment Plan Amount (HKD)

If you would like to apply instalment plan with amount above HKD or longer repayment period ( months), you can apply Interest-free Spending Instalment – Personalized Monthly Handling Fee Plan, please click here for details.

Application Information

Hang Seng Credit Card No.¹^*(For principal cardholder only)

- - -

Applied Amount^2,3,4^*

Tenor⁴*

Cardholder's Name*(Name as indicated in your Credit Card)

Daytime Contact Phone No.*

I will NOT accept the final approved instalment amount if it is less than the above applied amount.

Back

Remark(s)

Not applicable to Supplementary Card, Renminbi Credit Card, Business Card, Commercial Card, e-Shopping MasterCard, Spending Card, USD Visa Gold Card and private label card.
Hang Seng Bank may increase your credit limit at its discretion if your credit limit is insufficient.
The Spending Instalment Plan is only applicable to the new retail transactions posted on the latest credit card statement. Application for the Spending Instalment Plan must be submitted 7 working days prior to the credit card statements payment due date.
Online application is only applicable for instalment amount from HKD to HKD and monthly instalments. If you would like to apply for higher instalment plan amount or longer repayment period( months), please apply Interest-free Spending Instalment – Personalized Monthly Handling Fee Plan.
Under normal circumstances, your application will take three working days to process. If consideration of increasing credit limit is required, your application will take five working days to process. You will be notified of the result by separate post.
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 on all outstanding balance on the credit card account. You shall pay a finance charge and other charges on any monthly instalment amount due but unpaid at the prevailing interest rate applicable to the Credit Card Account from the post date of such monthly instalment.

Hang Seng Spending Card account is a non-interest bearing account. Funds maintained in the Hang Seng Spending Card account are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong.

Step 1 Apply
Step 2 Confirm
Step 3 Finish

Please confirm the following application details:

The details below are for indication only and may be adjusted upon final approval.

(For principal cardholder only)

Applied Amount

Tenor

Monthly Handling Fee

Monthly Repayment Amount (Includes monthly handling fee)

Cardholder's Name(Name as indicated in your Credit Card)

Pre-payment fee

All handling fees for the remaining period (maximum 10 months) and a HKD 300 administration fee will be charged each time.

Responsible borrowing reminders

To borrow or not to borrow, borrow only if you can repay!
Understand your financial conditions, daily expenses and actual borrowing needs clearly and assess your repayment ability and avoid over-borrowing. Please repay credit card balance on time to avoid late payment charges and additional overdue interest.

The offers shown above are calculated based on your entered amount for indication only. If the final approval is not the same as your request, your final offers will be adjusted according to the final approval and your applicable prevailing offer.

I have read and agreed with the Key Facts Statement and Terms & Conditions, the Personal Information Collection Statement, the above application details and responsible borrowing reminders, and confirmed this application is not referred by third party.

Amend

Submit application

Step 1 Apply
Step 2 Confirm
Step 3 Finish

Apply Extra Cash for flexible use?

View your pre-approved Cash Instalment amount

Application Processed

Thank you for your application for the Interest-free Spending Instalment – Personalized Monthly Handling Fee Plan.

Applied Amount

Tenor

months

Monthly Handling Fee

Monthly Repayment Amount

Cardholder's Name

Step 1 Apply
Step 2 Confirm
Step 3 Finish

Apply Extra Cash for flexible use?

Click here pre-approved Cash Instalment amount

Application Processed
Reference No.:

Thank you for your application for the Interest-free Spending Instalment – One-off Handling Fee Plan.

Hang Seng Credit Card No.

-xxxx-xxxx-

Applied Amount

Tenor

months

One-off Handling Fee

Cardholder's Name

Daytime Contact Phone No.

Print OK

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

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