Whether you're traveling or shopping, spend with Hang Seng credit card and you can apply Spending Instalment to settle the card transactions by instalment afterwards. Spend with confidence and manage your finances flexibly! New instalment customers can enjoy One-off Handling Fee Plan with a 12-month instalment fee as low as HKD40^1,2!

Flash Offer

Enjoy $200 +FUN Dollars or 40,000 yuu Points now!

Register for "+FUN Everyday Spending Rewards" between 16 May to 15 August 2025 and enjoy extra rebate offer upon successful application for Spending Instalment – Personalised Monthly Handling Fee Plan of HKD8,000 or above and with a repayment period of 12 months or above!

Register Now

Register Now

For details, please visit Hang Seng Bank Website > Cards > Credit Card Offers & Rewards > Latest Spending Privileges > +FUN Everyday Spending Rewards

Offers are subject to terms and conditions. For more details, please click here.

1. Instalment plan is only applicable to Cardmember who has not successfully applied / held any Hang Seng Credit Card Spending Instalment – Personalised 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 from 1 May 2024 to 30 April 2025.
2. 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 application hotline (852) 2998 6868 to check if qualified. For details, please refer to respective Terms & Conditions clause 1.
3. 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 annualised 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, 4.17% 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. Please logon Hang Seng Personal e-Banking or call application hotline (852) 2998 6868 to check your personalised handling fee.
4. Spending Instalment – Personalised 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.
5. Please apply prior to the credit card statement due date. Under normal circumstances, you'll receive the approval result instantly for the spending instalment plan. If you submit your application before the statement payment due date, the approved amount will be disbursed into your credit card account instantly or by the next calendar day during the following periods:
   • Mon to Fri: 12:00a.m. to 7:00p.m.
   • Sat, Sun, and public holidays: 12:00a.m. to 5:30p.m.
6. For Hang Seng Website, Hang Seng Personal Banking Mobile App or Hotline applications, minimum instalment application amount is from HKD800 and 3 months.

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