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    Spending Instalment

    Terms and conditions apply.

    Settle credit card spending at ease by instalment

    No matter if it's a relaxation trip or the hottest gadget, 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.

    Apply now

    Settle credit card spending at ease by instalment

    Apply now

    Features

    Only for selected customers not holding instalment plan1,9

    Combined eligible spending and online bill payment (except tax payment) (as low as HKD800) 2

    Instant approval and instalment3

    $0 handling fee waiver for 3-month instalment View details

    3, 6 or 12 months repayment period

    Available till 24th March, 2023

    Example

    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 an one-off handling fee of HKD50 for the first month.

    Monthly repayment8 for Ms. So

    1st Month:

    = (Instalment amount ÷ Repayment period) + One-off handling fee

    = (HKD 5,000 ÷ 6) + HKD 50

    = HKD 883.4

     

    2nd - 6th Month:

    = (Instalment amount ÷ Repayment period)

    = (HKD 5,000 ÷ 6)

    = HKD 833.4

    Related information

    One-off Handling Fee Plan

     

    Features

    All selected customers can apply with every statement9

    Combined eligible spending and online bill payment (except tax payment) (as low as HKD800) 2

    Instant approval and instalment3

    Tax season special offer, personalized monthly handling fee as low as 0.13%5

    3 - 60 months flexible repayment period

    Available till 24th March, 2023

    Example

    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%7.

    Monthly repayment8 for Mr. Wong

    = (Instalment amount ÷ Repayment period) + Monthly handling fee

    = (HKD 28,000 ÷ 36) + (HKD28,000 x 0.18%)

    = HKD 828.2

    Related information

    Monthly Handling Fee Plan

    Features

    Tax instalment amount from HKD 3,000 - HKD 250,000

    Settle your credit card tax bill payment on e-Banking by instalment6
    View details

    One-off handling fee as low as HKD 100   View details

    6 or 12 months repayment period

    Available till 31st May, 2023

    Example

    Credit card online tax bill payment 

    Ms. Yeung helped her 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 repayment8 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

    Related information

    One-off Handling Fee Plan for Online Tax Payment

    Choosing Monthly or One-off Handling Fee Plan? 1

    Our intelligent system will recommend the most suitable plan and offer for you
    After logon e-Banking, we will recommend the most suitable instalment plan for you, according to your available instalment plan options and personalized offers.
    Logon to check now

    Frequently asked questions

    You can view the Pre-payment Fee Q&A and Examples for Hang Seng Credit Card Spending Instalment Plan.

    Related product

    Cash Instalment

    Cash out your credit limit from credit card to your account, and repay monthly based on your preferred payment period.

    View details

    Useful tools

    How to apply?

    Monthly / One-off Handling Fee Plan

    Via e-Banking3,4

    One-off Handling Fee Plan for Online Tax Payment

    View details6

    Application hotline

    (852) 2998 68683,4

    Minimum instalment application amount from HKD 3,000 and 6-months

    Footnote

    Other point(s) to note

    1. 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 and other charges on any monthly instalment amount due but unpaid at the prevailing interest rate applicable to your credit card account from the post date of such monthly instalment.

    Remark(s)

    1. Not holding instalment plan refers to Cardmember who has not successfully applied / held any Hang Seng Credit Card Spending Instalment – Personalized Monthly Handling Fee Plan / Spending Instalment – One-off Handling Fee Plan / Spending Instalment – One-off Handling Fee Plan for Online Tax Payment/ Cash Instalment Plan / Balance Transfer Plan from 1 November 2021 to 31 October 2022.  
    2. Spending Instalment – Personalized Monthly Handling Fee Plan and Spending Instalment – One-off Handling Fee Plan includes local and overseas payment made at physical and online stores or online bill payment (except tax payment). For details for the designated spending categories, please refer to the related Terms and Conditions.
    3. Please apply prior to the credit card statement due date, referring to the required time for approval and transferal.
    4. For Hang Seng Website or Hang Seng Personal Banking Mobile App, minimum instalment application amount is from HKD 800 and 3-months. For application hotline, minimum instalment application amount is from HKD 3,000 and 6-months.
    5. The 0.13% monthly handling fee is applicable to selected customers and designated instalment amount, and is for reference only. The handling fee is to be determined by Hang Seng from time to time for individual promotion. The annualized percentage rate (APR) of 0.13% monthly handling fee are as follows: 2.37% for 3 months, 2.71% for 6 months, 2.91% for 12 months, 3.01% for 24 months, 3.04% for 36 months, 3.04% for 48 months, 3.04% for 60 months. The 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. Please logon Hang Seng Personal e-Banking or call (852) 2998 6868 to check your personalized handling fee.
    6. If you do not apply Tax Instalment Plan instantly right after the online tax payment, please call (852) 2998 6868 to apply after the tax payment transaction is posted prior to credit card statement due date, referring to the required time for approval and transferal.
    7. The 0.18% monthly handling fee is applicable to selected customers and designated instalment amount, and is for reference only. The handling fee is to be determined by Hang Seng from time to time for individual promotion. The annualized percentage rate (APR) of 0.18% monthly handling fee are as follows: 3.29% for 3 months, 3.76%for 6 months, 4.04% for 12 months, 4.18% for 24 months, 4.20% for 36 months, 4.20% for 48 months, 4.19% for 60 months. The 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. Please logon Hang Seng Personal e-Banking or call (852) 2998 6868 to check your personalized handling fee.
    8. The above example is for reference only, for the actual monthly repayment amount, please refer to monthly statement.
    9. Only selected customers can apply Spending Instalment. Customers can log on to Hang Seng Personal e-Banking to check the Spending Instalment Application form or call (852) 2998 6868 to check if qualified. For details, please refer to respective Terms & Conditions clause 1.

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