Hang Seng Credit Card Spending Instalment Payment

Hang Seng Credit Card Spending Instalment
Split your bills and enjoy spending

New Instalment Customers Enjoy 3-month instalments with $0 handling fee

All-new features
Maximum flexibility

Instant approval
and instalment¹

3 - 60 months
repayment period

Application amount
as low as HKD 800

One-off Handling Fee Plan - 3-month instalment with $0 handling fee for selected new instalment customers^2,3

Personalized monthly handling fee as low as 0.18% for all selected customers^3,4

3 - 60 months flexible repayment period

Combined eligible spending and online bill payment
(except tax payment)
(as low as HKD800)⁵

Instant approval and instalment¹

Eligible spending categories
for instalment

Covers a wide range of daily expenses.⁵
Make spending simple with Hang Seng Credit Card

Hot Products

Travel and Entertainment

Online Spending

Home Furnishings

Tuition Fee

Insurance Premium

Apply Now via
Personal e-Banking⁶

Apply Now⁶

Website hangseng

com/cardsi

Hang Seng Personal Mobile App

Hotline (852) 2998 6868

New Instalment
Customers

Details

Existing Instalment
Customers

Details

New Instalment
Customers

Details

Existing Instalment
Customers

Details

New Instalment
Customers

Details

Existing Instalment
Customers

Details

Note:

Please apply prior to the credit card statement due date, required time for approval and transferal as below:

Application phase	Required time
Approval result	Instant
Transfer approved amount to credit card account	Amount will be disbursed to your credit card account on the same day if application submitted within below time period. If not, it will be processed on or before the next day: Mon to Fri: 00:00 – 19:00 Sat : 00:00 – 17:30 Sun : Full day

Instalment plan is only applicable 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 November 2023 to 31 October 2024.
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 2998 6868 to check if qualified. For details, please refer to respective Terms & Conditions clause 1.
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, 4.17% 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 annualized rate. Please logon Hang Seng Personal e-Banking or call (852) 2998 6868 to check your personalized handling fee.
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.
For Hang Seng Website, Hang Seng Personal Banking Mobile App or Hotline applications, minimum instalment application amount is from HKD800 and 3-months.

Spending Instalment - One-off Handling Fee Plan product Terms & Conditions and Key Facts Statement
Spending Instalment - One-off Handling Fee Plan promotion Terms & Conditions
Spending Instalment - Personalized Monthly Handling Fee Plan product Terms & Conditions and Key Facts Statement

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