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No matter if it's a relaxation trip, the hottest gadget, or even online tuition fee / insurance bill payment, spend with Hang Seng credit card and you can apply Spending Instalment to settle the card transactions by instalment afterward. More enjoyment in shopping, and more financial flexibility.
Settle credit card spending at ease by instalment
Only for customers not holding instalment plan1
Combined eligible spending and online bill payment by instalment2
One-off handling fee as low as HKD 35 View details
6 or 12 months repayment period
Available till 24th July, 2022
Enjoy up to HKD 300 handling fee rebate6
Apply before 30th Nov, 2022 to enjoy up to HKD300 handling fee rebate.
Graduation trip
Ms. So went to graduation trip with friends and she used her credit card for all spendings around HKD 5,000. She decided to apply a 6-month instalment and only need to pay a one-off handling fee of HKD 35 for the first month.
Monthly repayment3 for Ms. So
1st Month:
= (Instalment amount ÷ Repayment period) + One-off handling fee
= (HKD 5,000 ÷ 6) + HKD 35
= HKD 868.4
2nd - 6th Month:
= (Instalment amount ÷ Repayment period)
= (HKD 5,000 ÷ 6)
= HKD 833.4
One-off Handling Fee Plan and handling fee rebate
You can apply with every statement
Combined eligible spending and online bill payment by instalment2
Personalized monthly handling fee as low as 0.18%4
6 - 60 months flexible repayment period
Available till 24th May, 2022
Enjoy up to HKD 300 handling fee rebate6
Apply before 30th Nov, 2022 to enjoy up to HKD300 handling fee rebate.
Paying insurance bill by instalment
Mr. Wong settled an insurance bill worth HKD 28,000 via e-Banking with his Hang Seng credit card, but he does not want to settle the card balance in one go. He decided to apply Spending Instalment to settle the card transaction by 36-month instalment with personalized monthly handling fee 0.18%.
Monthly repayment3 for Mr. Wong
= (Instalment amount ÷ Repayment period) + Monthly handling fee
= (HKD 28,000 ÷ 36) + (HKD28,000 x 0.18%)
= HKD 828.2
Monthly Handling Fee Plan and handling fee rebate
Tax instalment amount from HKD 3,000 - HKD 250,000
Settle your credit card tax bill payment on e-Banking by instalment5
View details
One-off handling fee as low as HKD 100 View details
6 or 12 months repayment period
Available till 31th May, 2022
Credit card online tax bill payment
Ms. Yeung helped his husband to pay tax bill of HKD 9,000 with Hang Seng credit card via e-Banking. After the bill payment, she applied a 6-month instalment plan for this tax bill on the same page instantly, with one-off handling fee HKD 100 for the first month.
Monthly repayment3 for Ms. Yeung
1st Month:
= (Instalment amount ÷ Repayment period) + One-off handling fee
= (HKD 9,000 ÷ 6) + HKD 100
= HKD 1,600
2nd - 6th Month:
= (Instalment amount ÷ Repayment period)
= (HKD 9,000 ÷ 6)
= HKD 1,500
Tax Instalment Plan
You can view the Pre-payment Fee Q&A and Examples for Hang Seng Credit Card Interest-free Spending Instalment Plan.
Cash out your credit limit from credit card to your account, and repay monthly based on your preferred payment period.
To borrow or not to borrow? Borrow only if you can repay!
Approved instalment amount
One-off handling fee of 6-month plan
One-off handling fee of 12-month plan
HKD 3,000 - 5,000
HKD 35
HKD 70
HKD 5,001 - 10,000
HKD 60
HKD 120
HKD 10,001 - 20,000
HKD 120
HKD 240
HKD 20,001 - 30,000
HKD 200
HKD 400
HKD 30,001 - 40,000
HKD 300
HKD 600
HKD 40,001 - 50,000
HKD 400
HKD 800
HKD 50,001 - 60,000
HKD 500
HKD 1,000
HKD 60,001 - 80,000
HKD 600
HKD 1,200
Single tax payment amount
One-off handling fee of 6-month plan
One-off handling fee of 12-month plan
HKD 3,000 - 10,000
HKD 100
HKD 200
HKD 10,001 - 20,000
HKD 200
HKD 400
HKD 20,001 - 30,000
HKD 300
HKD 600
HKD 30,001 - 50,000
HKD 500
HKD 1,000
HKD 50,001 - 100,000
HKD 1,000
HKD 2,000
HKD 100,001 - 150,000
HKD 1,200
HKD 2,400
HKD 150,001 - 200,000
HKD 1,500
HKD 3,000
HKD 200,001 - 250,000
HKD 1,800
HKD 3,600
Approved Accumulated Instalment Amount |
Handling Fee Rebate |
|
---|---|---|
Phase 1 : |
Phase 2 : |
|
HKD 8,000 - HKD 29,999 |
HKD 35 |
HKD 35 |
HKD 30,000 - HKD 59,999 |
HKD 100 |
HKD 100 |
HKD 60,000 or above |
HKD 150 |
HKD 150 |