Split credit card tax payments to unlock exciting rewards!

From now to 31 Mar 2026, simply register your Hang Seng Credit Card for Online Tax Payment Rewards via +FUN Centre and complete the missions below to earn up to $1,500 +FUN Dollars or 300,00 yuu reward points!

Unlock rewards

  1. Register in a few easy steps

    Log on to Hang Seng Mobile App and register for the "Online Tax Payment Rewards" reward via +FUN Centre
    Learn more

  2. Earn online tax payment rewards

    Accumulate eligible retail spendings of HKD5,000 or above and make tax payment via Hang Seng Personal e-Banking Online Bill Payment Service of HKD10,000 or above.

  3. Earn more rewards from tax payment instalment reward programme

    Successfully apply for Spending Instalment – Personalised Monthly Handling Fee Plan to split your tax bill.

Key features

Instant instalment approval

Apply anytime, anywhere via Hang Seng Mobile App with ease

Flexible repayment

Choose freely between 3 to 60 months repayment period

Low threshold, speedy instalment

Split eligible spendings of HKD800 or above into instalments, shop as you wish!

Types of plans

Monthly Handling Fee Plan

Monthly Handling Fee Plan Repayment Calculator

Answer the simple questions below and get your credit card spending instalment monthly handling fee plan

day(s)
Your loan plan Result Your instalment plan
As of HKT
Monthly repayment amount
HKD HKD -
Monthly flat rate
- %
Monthly handling fee
HKD -
Debt Consolidation Instalment Loan Credit Card Minimum Payment
Debt Consolidation Instalment Loan Credit Card Minimum Payment
Monthly repayment amount HKD - Minimum Payment
Total interest amount HKD -
(Save HKD -)
HKD -
Repayment period 72 month(s)
(Shortened by - month(s))
- month(s)
The Annualised Percentage Rate of Debt Consolidation Instalment Loan is -
Your payment will be as follows if you make no additional changes using this account:
Each month you pay (HKD) Repayment period Estimated total payment amount (HKD)
Each month you pay (HKD) Repayment period Estimated total payment amount (HKD)
Only the minimum repayment - month(s) -
- 36 month(s) -
If you pay off the balance amount in 36 months, you can save HKD - for the total payment amount.
Annual interest rate
- %
Annualised Percentage Rate (”APR“)
- %
Daily interest payable Daily interest paid
HKD -
Monthly interest paid[6] Monthly interest paid[7]
HKD - -
Interest rate Effective rate (p.a.)
- %
Monthly minimum payment amount
HKD -
Total interest to be paid[2]
HKD -
Annualised interest rate (p.a.)
-
Your loan plan
Remarks:
  • The result of the instalment repayment calculator is for reference only. The actual repayment liability depends on the actual terms of each borrowing arrangement
  • All Annualised Percentage Rates (APRs) are calculated using the Net Present Value Method in accordance with the Code of Banking Practice. APRs are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable)
  • The monthly repayment amount is rounded up to 2 decimal points

Features

Exclusive limited-time offers for selected customers
Available until 31 Mar 2026
Spend / pay bills of only HKD800 to apply

One-off handling fee as low as HKD40
View details

Apply via Hang Seng Mobile App and enjoy instant approval!

掃描以下載恒生流動應用程式

Download Hang Seng Mobile App via APK file

FAQs

Monthly handling fee plan:

Simply pay a personalised monthly handling fee and the instalment amount of the principal. Customise your plan via our Monthly Handling Fee Plan Calculator.

One-off handling fee plan:

Pay a one-off handling fee in the 1st month. From the 2nd month, you'll only need to pay the instalment amount of the principal.

Your monthly instalment is automatically included in your credit card balance.

Simply pay your credit card balance — no extra actions required.

If you apply before the statement payment due date, the approved amount will be disbursed into your credit card account instantly or by the next calendar day during the following periods:

  • Mon to Fri: 12:00 a.m. to 7:00 p.m.
  • Sat, Sun and public holidays: 12:00 a.m. to 5:30 p.m.

The minimum instalment application amount is HKD800 and the shortest repayment period is 3 months.

Yes, you can choose to make an early repayment. However, you'll be charged an administration fee on top of the total outstanding monthly fee for your remaining instalments and any interest where applicable.

You can refer to Pre-payment Fee Q&A and Examples and “Early Repayment of Spending and Purchase Instalment Plans" in Key Fact Statement for more details and the fees that may apply.

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Cash Instalment

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Important documents and tools

Other application methods

Call us

Footnote

Remark(s)

  1. Assume you have applied for a Spending Instalment with personalised monthly handling fee of 0.16% with a repayment period of 36 months.
    Total handling fee
    = (HKD18,700 × 0.16% × 36)
    = HKD1,077.12
    The daily handling fee is HKD1.
    The above example and the 0.16% personalised monthly handling fee are for reference only.
    The handling fee is applicable to selected customers, designated amount and repayment period, it'll be determined by us from time to time for individual promotions.
    The APR for this product ranges from 2.92% to 34.08%. For the APR of 2.92%, it is calculated based on a loan amount of HKD100,000, a monthly flat rate of 0.16% and a 3-month repayment period.
    APR is a reference rate that reflects the fees and charges of respective product as an annualised rate.
    Please log on to Hang Seng Mobile App or Personal e-Banking, or call (852) 2998 6868 to check your personalised handling fee.
  2. You can view and download the previous version of Terms and Conditions via Cards - Important Documents.

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