To enjoy the service, you must have a personal Hang Seng Credit Card (not applicable to e-shopping MasterCard, USD Visa Gold Card, Spending Card and Private Label Card) and have registered for Personal e-Banking. Before paying bills online, please note the following points:

i.	Add Credit Card account to your Personal e-Banking account list and enable"Transfer From / To Account"Function
ii.	Check available credit limit
iii.	Check daily transfer limit

After completing the above arrangements, you will be able to use the online bill payment service. You can log-on to Personal e-Banking, choose "Account Services" > "Bill Payment" and follow the instructions to make the payment.

You can choose to pay now or preset payment instructions up to 13 calendar days in advance. For both immediate or pending payment instructions, please note that the respective credit limit will be held once you have confirmed the instruction.

The maximum daily bill payment limit is HKD500,000 and it must not be greater than your available credit card limit. There is also a daily payment limit for different categories of bills – for further details, please check Personal e-Banking ("Customer Services" > "Account Maintenance" >"Transfer / Bill Payment Limit").

For payments to Banking and Credit Card Services merchants, the default transfer limit is HK$0 and you are required to register the respective bill account number(s) at any Hang Seng Bank branch in person. To increase your transfer limit and register bill account number(s) under the category of Banking and Credit Card Services, please download the "Daily Limit Maintenance Form" and the "Personal e-Banking Bill Payment Registration / Amendment Form". Complete the forms and return them to any Hang Seng Bank branch.

Transfer limits can be reduced online from the aforesaid webpage.

You can earn Cash Dollars by settling the online bill payment with credit card, except making bill payments to payees under Banking and Credit Card Services, or to Inland Revenue Department. Effective from 1 Oct 2016, the earning of Cash Dollars for online bill payments to payees under Insurance Companies by personal Hang Seng Credit Card (except Commercial Card and Business Card) is subject to a maximum cap of HK$10,000 aggregate payment amount per month. The Cash Dollars earning ratio will be calculated by the prevailing ratio of the cards.

The maximum monthly cap of HK$10,000 aggregate payment amount is calculated based on the total amount of online bill payment (to be counted by transaction date) to payees under insurance companies made by the same credit card during the first calendar day to the last day of a month. Cash Dollars will be offered and calculated by the prevailing ratio of the cards for the total payment amount within the monthly cap.

You can pay bills of a host of insurance companies with this service. Please click here to view payee list / bill types available.

If the principal card and its supplementary card share the same credit limit, both cards are under the same monthly cap of earning Cash Dollars for paying insurance companies’ bills online. The total Cash Dollars rewards will be combined and credited to the principal card account.

You can increase your credit card limit by completing and submitting the "Request for Increase in Credit Card Limit Form^* in Personal e-Banking (Select "Credit Cards" > "Other Related Services" from the service menu). The request must be submitted by the Principal Card cardholder. The Bank will inform you of the results within the next working day^# by phone / e-mail.

*For increase of credit card limit, please submit your request at least 14 working days before your required usage date.
#Please allow three to five working days during peak period of tax payment months (December and April), due to the anticipated high volume of requests.

Alternatively, you can complete the "Credit Limit Increase Request Form" at the back of credit card monthly statement and return by mail / fax to Hang Seng Bank Card Centre for processing.

The deposited amount will be available for use two working days after it has been deposited.

For all successfully processed instructions, you will receive a reference number instantly. You are advised to 'print' or 'save' the payment details for reference. Notification will only be sent to your "Inbox Message" of Personal e-Banking if payment instruction cannot be processed successfully.

For successful payment^*, you can check your payment record in Personal e-Banking one working day after your payment execution date (in the "Account Details" under the "Account Services" section).

*Applicable for payments made before 4:30pm on Mon-Fri and before 11:30am on Sat.

You will receive statement as usual and details of your online bill payment transactions will be shown.

You can pay bills of a host of merchants and organisations with this service. Please click here to view payee list / bill types available.

A Payee List is a list of paper bill accounts to which you wish to make payment on a regular basis. You may set up your own payee list online by selecting "New Payee" and after paying the paper bill, your own online payee list^* will be established automatically. For payees under the Banking and Credit Card Services category, you are required to register the bill account number(s) at any Hang Seng Bank branch in person.

*If the bill account number is not a fixed account number, it will not be recorded in your payee list.