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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.
Settle credit card spending at ease by instalment
Only for selected customers not holding instalment plan1,7
Combined eligible spending and online bill 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 2 June 2024
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 repayment6 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
One-off Handling Fee Plan
All selected customers can apply with every statement7
Combined eligible spending and online bill payment (as low as HKD800)2
Instant approval and instalment3
Personalized monthly handling fee as low as 0.18%5
3 to 60 months flexible repayment period
Available till 2 June 2024
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%5.
Monthly repayment6 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
You can view the Pre-payment Fee Q&A and Examples for Hang Seng Credit Card 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 3-month plan
One-off handling fee of 6-month plan
One-off handling fee of 12-month plan
HKD 800 – 2,999
HKD 0
HKD 20
HKD 40
HKD 3,000 - 5,000
HKD 0
HKD 50
HKD 100
HKD 5,001 - 10,000
HKD 0
HKD 100
HKD 200
HKD 10,001 - 20,000
HKD 0
HKD 150
HKD 300
HKD 20,001 - 30,000
HKD 0
HKD 250
HKD 500
HKD 30,001 - 40,000
HKD 0
HKD 300
HKD 600
HKD 40,001 - 50,000
HKD 0
HKD 400
HKD 800
HKD 50,001 - 60,000
HKD 0
HKD 500
HKD 1,000
HKD 60,001 - 80,000
HKD 0
HKD 600
HKD 1,200
Approved tax payment instalment 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 - 25,000
HKD 200
HKD 400
HKD 25,001 - 50,000
HKD 300
HKD 600
HKD 50,001 - 75,000
HKD 500
HKD 1,000
HKD 75,001 - 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 |