Example:
| Assume the cash withdrawal amount is HKD50,000, with a 0.18%(3) personalised monthly handling fee and a 36-month repayment period: | |
|---|---|
| Monthly repayment amount | = ( Cash withdrawn ÷ No. of Instalment ) + Monthly handling fee |
| = ( HKD50,000 ÷ 36 ) + ( HKD50,000 x 0.18% ) | |
| = HKD1,478.89(5) | |
Enjoy up to HKD1,500 handling fee rebate for successful application
| Approved Cash Instalment Amount (HKD) | Repayment Period 12/24 Months |
Repayment Period 36/48/60 Months |
|---|---|---|
| Handling Fee Rebate (HKD) | ||
| 30,000 – 79,999 | 100 | 200 |
| 80,000 – 149,999 | 300 | 400 |
| 150,000 – 299,999 | 500 | 600 |
| 300,000 – 499,999 | 800 | 1,000 |
| 500,000 or above | 1,300 | 1,500 |
Need extra cash for more financial flexibility but worried about the hassle?
Cash out easily with a few steps. Apply via Hang Seng Mobile App and enjoy up to HKD1,500 handling fee rebate!
Selected customers are approved without any document submission(1)(2)
6 - 60 months flexible repayment period
Cash will be disbursed to your designated account in just a few minutes(2)
Selected customers can increase your credit limit instantly to withdraw more cash(1)(2)(4)
Apply for Credit Card Cash Instalment in just a few steps with Hang Seng Mobile App
Image is for reference only
1
Log on Hang Seng Mobile App and choose "Cards" from the left menu > "Instalment Plans" > "Cash Instalment", and then proceed to the cash instalment application.
2
Preview of different repayment plans and help to opt for the best in an instant.
3
Complete application in just a few steps. Selected customers can get the cash within minutes with instant approval(1)(5), allowing you to manage your wealth effortlessly.
Download now
to experience Hang Seng Mobile App!
to experience Hang Seng Mobile App!
Hang Seng Mobile App
Download now
to experience Hang Seng Mobile App!
to experience Hang Seng Mobile App!
Hang Seng Mobile App
- You can log on to Hang Seng Mobile App or call (852) 2998 6868 to check if you are qualified for pre-approved instalment. For details, please refer to Terms & Conditions for Cash Instalment plan.
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Under normal circumstances, you'll receive the approval result instantly for the cash instalment
plan. If you submit your application during the following periods, the approved amount will be
disbursed into your Hang Seng HKD current or savings account on the same day or by the next calendar
day:
- Mon to Fri: 12:00a.m. to 7:00p.m.
- Sat, Sun, and public holidays: 12:00a.m. to 5:30p.m.
-
If you submit your application during the following periods, we'll debit the first instalment amount
from your Hang Seng credit card account on the next calendar day or within 3 calendar days:
- Mon to Fri: 12:00a.m. to 7:00p.m.
- Sat, Sun, and public holidays: 12:00a.m. to 5:30p.m.
-
Under normal circumstances, you'll receive the approval result instantly for the cash instalment
plan. If you submit your application during the following periods, the approved amount will be
disbursed into your Hang Seng HKD current or savings account on the same day or by the next calendar
day:
- The 0.18% monthly handling fee is applicable to selected customers and the approved cash instalment amount has to reach the specific requirement, and is for reference only. The handling fee is to be determined by Hang Seng from time to time for individual promotion. The annualised percentage rate (APR) of 0.18% monthly handling fee are as follows: 3.76% for 6 months, 4.04% for 12 months, 4.17% 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 annualised rate.
- Increase credit limit & Cash Instalment application will be approved instantly at same time, depending on the particular circumstances, customer may need provide document for approval. Please note that it may be simultaneously cancelled and your previous credit limit be restored when the application cannot apply successfully.
- The above example is for reference only, for the actual monthly repayment amount, please refer to monthly statement.
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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.
* If you are not able to check your pre-approved amount via our website, please call 2998 6868 for enquiry.
To borrow or not to borrow? Borrow only if you can repay!
Cash Instalment Plan Terms & Conditions, Handling Fee Rebate Terms & Conditions and Key Facts Statement
