Spending Instalment

Settle spending by instalment

Terms and conditions apply.
Settle credit card spending at ease by instalment
Settle credit card spending at ease by instalment

No matter if it's a relaxation trip, the hottest gadget, or even online tax / 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.

Choosing Monthly or One-off Handling Fee Plan? 4
Our smart assistant will recommend the most suitable plan and offer for you
After logon e-Banking, our smart assistant will recommend the most suitable instalment plan for you, according to your available instalment plan options and personalized offers.
Frequently asked questions

Spending Instalment

Total credit card instalment amount, monthly repayment and handling fee on statement cannot earn Cash Dollars.

Tax Instalment

No, you must apply Tax Instalment for each tax payment respectively.

Related product
Cash Instalment

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

Related information

Related Terms & Conditions for One-off Handling Fee Plan.

  • View Terms & Conditions for Credit Card Interest-free Spending Instalment - One-off Handling Fee Plan
  • View Key Facts Statement for Credit Card Interest-free Spending Instalment - One-off Handling Fee Plan

Related Terms & Conditions for Monthly Handling Fee Plan.

  • View Terms & Conditions for Credit Card Interest-free Spending Instalment - Personalized Monthly Handling Fee Plan
  • View Key Facts Statement for Credit Card Interest-free Spending Instalment - Personalized Monthly Handling Fee Plan
  • View Pre-payment Fee Q&A and Examples for Credit Card Interest-free Spending Instalment - Personalized Monthly Handling Fee Plan

Related Terms & Conditions for Tax Instalment Plan.

  • View Terms & Conditions for Credit Card Interest-free Spending Instalment - One-off Handling Fee Plan for Online Tax Payment
  • View Key Facts Statement for Credit Card Interest-free Spending Instalment - One-off Handling Fee Plan for Online Tax Payment
How to apply?
Monthly / One-off Handling Fee Plan
Tax Instalment Plan
Application hotline
Remark(s)
  1. The minimum total amount to apply for Spending Instalment is HKD 3,000, including 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. 
  2. 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: 3.76% 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. 
  3. The above example is for reference only, for the actual monthly repayment amount, please refer to monthly statement.
  4. One-off Handling Fee Plan only applicable for customers who are NOT holding any Hang Seng Credit Card Cash Instalment or Spending Instalment during 1 Nov 2018 to 31 Oct 2019.
  5.  If you do not apply Tax Instalment Plan instantly right after the online tax payment, please call 2998 6868 after the tax payment transaction is posted and at least 9 working days prior to credit card statement due date.

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