Cash out from your credit card and earn +FUN Dollars

【Limited-time Offer】^[4] Get cash from your card by 24 November 2026 and enjoy up to $12,800 +FUN Dollars if you are a new-to-lending customer^[5]. Other cardmembers can enjoy up to $5,000 +FUN Dollars.

Get a chance for our Lucky Draw and be rewarded worth 3 months’ handling fee !

Apply now

Enjoy up to $12,800 +FUN Dollars and a chance to our lucky draw

Apply now

Learn more

Rebate of New-to-Lending customers

	Rebate for Repayment Period of 24/36 Months		Rebate for Repayment Period of 48/60 Months
Approved Cash Instalment Amount (HKD)	Hang Seng Credit Cards (enJoy Cards excluded)	enJoy Cards	Hang Seng Credit Cards (enJoy Cards excluded)	enJoy Cards
30,000 - 79,999	300 +FUN Dollars	60,000 yuu Points	500 +FUN Dollars	100,000 yuu Points
80,000 - 149,999	800 +FUN Dollars	160,000 yuu Points	1,200 +FUN Dollars	240,000 yuu Points
150,000 - 299,999	1,500 +FUN Dollars	300,000 yuu Points	1,800 +FUN Dollars	360,000 yuu Points
300,000 - 499,999	2,200 +FUN Dollars	440,000 yuu Points	2,800 +FUN Dollars	560,000 yuu Points
500,000 - 799,999	3,500 +FUN Dollars	700,000 yuu Points	4,200 +FUN Dollars	840,000 yuu Points
800,000 or Above	4,500 +FUN Dollars	900,000 yuu Points	12,800 +FUN Dollars	2,560,000 yuu Points

Rebate of other customers

	Rebate for Repayment Period of 24/36 Months		Rebate for Repayment Period of 48/60 Months
Approved Cash Instalment Amount (HKD)	Hang Seng Credit Cards (enJoy Cards excluded)	enJoy Cards	Hang Seng Credit Cards (enJoy Cards excluded)	enJoy Cards
30,000 - 79,999	300 +FUN Dollars	60,000 yuu Points	500 +FUN Dollars	100,000 yuu Points
80,000 - 149,999	800 +FUN Dollars	160,000 yuu Points	1,000 +FUN Dollars	200,000 yuu Points
150,000 - 299,999	1,500 +FUN Dollars	300,000 yuu Points	1,800 +FUN Dollars	360,000 yuu Points
300,000 - 499,999	2,200 +FUN Dollars	440,000 yuu Points	2,500 +FUN Dollars	500,000 yuu Points
500,000 - 799,999	3,500 +FUN Dollars	700,000 yuu Points	3,800 +FUN Dollars	760,000 yuu Points
800,000 or Above	4,500 +FUN Dollars	900,000 yuu Points	5,000 +FUN Dollars	1,000,000 yuu Points

Grab a chance to join our Lucky Draw and win a reward worth 3 months’ handling fee !

Approved Cash Instalment Amount (HKD)	Lucky draw chances for Repayment Period of 24/36 Months	Lucky draw chances for Repayment Period of 48/60 Months
30,000 or Above	1 entry	2 entries

Features

Cash out instantly - no documents required^[1]

Personalised monthly handling fee as low as 0.16%^[2]

6 - 60 months flexible repayment period

Increase credit limit instantly and get more cash^[1]&[6]

To check offer and cash out

Download our Hang Seng Mobile App, log on and go to left menu > "Cards" > "Instalment Plans" > "Cash Instalment“. Instantly view your monthly handling fee and pre-approved cash-out amount, and calculate a cash-out amount based on your affordability. You can also call (852) 2998 6868.

Example

Home renovation

Mr. Lau is planning to decorate his home for his family of three but short of cash. His budget is around HKD 500,000 and his personalised monthly handling fee is 0.16%^[3]. He wishes to repay less then HKD 10,000 per month to soothe his financial burden, so he chooses to repay in 60 months.

Monthly repayment^[5] for Mr. Lau

= (Cash out amount ÷ Repayment period) + Monthly handling fee
= (HKD 500,000 ÷ 60) + (HKD 500,000 x 0.16%)
= HKD 9,133.33

The example is for reference only. For your actual monthly repayment amount, refer to your monthly credit card statement.

Credit Card Cash Instalment Plan Repayment Calculator

Answer the simple questions below and get your credit card cash instalment plan

Do you want to apply a new Asset Link Secured Overdraft?

Yes

Overdrawn amount Loan amount Loan Amount Total loan amount after top-up Balance Amount Limit / statement debit balance Instalment amount (Minimum HKD800.00) Cash-out amount (Minimum HKD3,000)

Loan amount

Loan period

day(s)

Repayment period

Monthly handling fee (%)

Annualised Interest Rate (p.a.)

Your loan plan Result Your instalment plan

Monthly repayment amount

HKD HKD -

Monthly flat rate

- %

Monthly handling fee

HKD -

	Debt Consolidation Instalment Loan	Credit Card Minimum Payment

	Debt Consolidation Instalment Loan	Credit Card Minimum Payment
Monthly repayment amount	HKD -	Minimum Payment
Total interest amount	HKD - (Save HKD -)	HKD -
Repayment period	72 month(s) (Shortened by - month(s))	- month(s)

The Annualised Percentage Rate of Debt Consolidation Instalment Loan is -

Your payment will be as follows if you make no additional changes using this account:

Each month you pay (HKD)	Repayment period	Estimated total payment amount (HKD)

Each month you pay (HKD)	Repayment period	Estimated total payment amount (HKD)
Only the minimum repayment	- month(s)	-
-	36 month(s)	-

Annual interest rate

- %

Annualised Percentage Rate (”APR“)

- %

Daily interest payable Daily interest paid

HKD -

Monthly interest paid^[6] Monthly interest paid^[9]

HKD - -

Monthly minimum payment amount

HKD -

Total interest to be paid^[2]

HKD -

Annualised interest rate (p.a.)

Remarks:

The result of the instalment repayment calculator is for reference only. The actual repayment liability depends on the actual terms of each borrowing arrangement.
All Annualised Percentage Rates (APRs) are calculated using the Net Present Value Method in accordance with the Code of Banking Practice. APRs are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable)
The monthly repayment amount is rounded up to 2 decimal points

Hang Seng Personal Banking

Apply for Cash Instalment now

Download Hang Seng Personal Banking mobile app on Google Play

Frequently asked questions

Is the monthly handling fee fixed?

Yes, it is fixed in each and every month during the repayment period of credit card instalment.

Do I need to submit any document when apply?

If your receiving account is not with Hang Seng, you need to provide a copy of the first page of the passbook or the latest monthly statement of that account. If additional documents are required, we will contact you by phone, SMS or email.

You can submit the relevant supporting document through any of the following channels:

Upload via Document Submission
Upload via Hang Seng Mobile App: Go to left menu > "Cards" > "Document Submission"
Fax to (852) 2269 3096 (Please write your credit card number on the top right corner of the relevant documents)

Can I repay the Cash Instalment in advance?

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

What are the details of Cooling-off Period?

Upon the application for Cash Instalment Plan is successful, there is a cooling-off period of 7 calendar days from the post date of the first instalment amount.
During the cooling-off period, you may call 24-hour Hang Seng Credit Card Marketing Enquiry Hotline (852) 2998 6899 to request to fully settle the outstanding principal of the Cash Instalment Plan. We have the sole discretion whether or not to approve such request and any subsequent request. If we approve, we will waive a total amount of outstanding monthly handling fee for the remaining Instalment Period and an administration fee of HKD300 (collectively "Prepayment Handling Fee"). In general, you may only make such request once for an approved Cash Instalment Plan.

Refer to Terms & Conditions for details

How to apply for cash instalment?

You can log on to Hang Seng Mobile App, then go to left menu > "Cards" > "Instalment Plans" > "Cash Instalment" or call (852) 2998 6868 to apply for cash instalment.

Related information

Cash Instalment and rebate

View Terms & Conditions^[5] and Key Facts Statement or Cash Instalment
View Terms & Conditions^[5] for rebate

Useful tools

Document Submission

Other point(s) to note

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)

Under most circumstances, you'll receive the approval result instantly.
If you submit your application during the following periods, the approved amount may be disbursed into your Hang Seng HKD current / savings account by the next calendar day, and we'll debit the first instalment amount from your Hang Seng credit card account within 3 calendar days:
- Mon to Fri: 12:00a.m. to 7:00a.m.
- Sat, Sun, and public holidays: 12:00a.m. to 5:30a.m.
If the approved amount is to be disbursed into a non-Hang Seng account, once we've received all the required documents, around 3 working days are required for review and processing.
Monthly handling fee of 0.16% is applicable to selected customers and for reference only. With a loan amount of HKD200,000 and 60-month repayment period, the APR is 3.73% . The handling fee and APR may differ based on individual customer eligibility and final approved instalment amount. APR is a reference rate that reflects the fees and charges of respective product as an annualised rate.
Log on to Hang Seng Mobile App or Personal e-Banking, or call (852) 2998 6868 to check if you are qualified for a pre-approved instalment and your personalised monthly handling fee. For details, refer to the Terms & Conditions of our Cash Instalment plan.
You can view and download the previous version of Terms & Conditions via Cards - Important Documents.
Refer to Terms & Conditions for details of our prevailing offer.
You can view and download the Terms & Conditions of the previous version Cash Instalment rebate promotion here.
New-to-Lending customers refers to those Cardmembers that have not successfully applied or held Hang Seng Handy Cash Personal Instalment Loan, Tax Comforter Loan, Top-up Loan, Debt Consolidation Instalment Loan, Electric Vehicle Loan or Cash Instalment Plan (“Cash Instalment”) from 1 September 2025 to 31 August 2026.
Increase of credit limit and the respective cash Instalment application will be approved instantly at same time. Depending on particular circumstances, customers may need provide extra documents. If your application is not successful, both the application and credit limit increase would be cancelled at the same time, and your previous credit limit will be restored.
Terms & conditions apply. For Spending Instalment programme details, tap here.

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

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Cash Instalment - Up to $12,800 +FUN Dollars

Documents not required.^[1] Monthly handing fee as low as 0.16%.^[2]

Cash out from your credit card and earn +FUN Dollars

Features

To check offer and cash out

Example