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.
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.
All selected customers can apply with every statement8
Combined eligible spending and online bill payment (except tax payment) (as low as HKD800) 2
Instant approval and instalment3
Personalized monthly handling fee as low as 0.18%6
3 to 60 months flexible repayment period
Available till 24 November 2023
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%6.
Ms. Yeung helped her husband to pay tax bill of HKD 9,000 with Hang Seng credit card via Personal 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.
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.
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 September 2022 to 31 August 2023.
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.
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 log on to Hang Seng Personal e-Banking or call (852) 2998 6868 to check your personalized handling fee.
The above example is for reference only, for the actual monthly repayment amount, please refer to monthly statement.
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.