Spend as you like, Split as you like

The all-new Hang Seng Credit Card Spending Instalment feature lets you split individual transactions in the way you want. Pick one transaction or more and split instantly – it's a piece of cake! From now until 24 September 2026, enjoy exclusive rewards to make spending even more rewarding.

Reward 1

Up to $500+FUN Dollars Spending Instalment Reward

In each phase, make an eligible spending of HKD800 or above and successfully split your transactions into instalments to enjoy Reward 1:

Programme period
Phase 1: From 15 July 2026 to 24 August 2026
Phase 2: From 25 August 2026 to 24 September 2026

In each phase, make an eligible spending of HKD800 or above and successfully split your transactions into instalment to enjoy Reward 1:

Approved Spending Instalment Amount	Repayment Period	Reward for each phase	Additional Reward
HKD5,000 - 19,999	12 months or above	$50 / 10,000 yuu Points	Not applicable
HKD20,000 or above	12 months or above	$200 / 40,000 yuu Points	$100 / 20,000 yuu Points

If you successfully grabbed Reward 1 in both Phase 1 and Phase 2 and your instalments in each phase are HKD20,000 or above, an Additional Reward of $100 +FUN Dollars / 20,000 yuu Points is yours!

Reward 2

Welcome Offer of $300+FUN Dollars

New-to-Spending Instalment Cardmembers¹ meeting the below requirements would enjoy an extra Reward 2:

Approved Spending Instalment Amount	Repayment Period	Within Programme Period
HKD20,000 or above	24 months or above	$300 / 60,000 yuu Points

Cardmember 1: New-to-Spending Instalment¹ Cardmember

Spending Instalment			Rewards
Date	Amount	Repayment Period	Reward 1: Phase 1	Reward 1: Phase 2	Reward 1: Additional Reward	Reward 2	Total Reward Amount
Date	Amount	Repayment Period	15 July 2026	HKD20,000	24 months	Reward 2	Total Reward Amount	$200	N/A	$100	$300	$800
25 August 2026	HKD20,000	24 months	N/A	$200						$100	$300	$800

Cardmember 2: Existing Spending Instalment Cardmember

Spending Instalment			Rewards
Date	Amount	Repayment Period	Reward 1: Phase 1	Reward 1: Phase 2	Reward 1: Additional Reward	Reward 2	Total Reward Amount
Date	Amount	Repayment Period	15 July 2026	HKD5,000	12 months	Reward 2	Total Reward Amount	$50	N/A	Not Eligible	Not Eligible	$100
25 August 2026	HKD5,000	24 months	N/A	$50						Not Eligible	Not Eligible	$100

For details, please refer to Promotion Terms & Conditions

Spending Instalment

Exclusive to selected customers³: your monthly handling fee is as low as 0.16%⁴.

Convert card spending into instalments to repay over time, stay on top of your finances while enjoying life.
Offer ends on 24 September 2026.
Don't wait!

Split it your way

Pick a single transaction or combine multiple ones – it's completely up to you! You only need to spend HKD800 or more⁵.

Instant instalment approval

Apply anytime via Hang Seng Mobile App⁶.

Flexible repayment

Freely choose a repayment period from 3 to 60 months.

Step 1 for applying Instalment payment on a single transaction

Step 2 for applying Instalment payment on a single transaction

Step 3 for applying Instalment payment on a single transaction

Logon to Hang Seng Mobile App and select "Cards" > "My Credit Cards" from the left-hand menu. Under "Recent Transactions", select the transaction and tap "Split your payment".

Choose other eligible transactions (if available) from the selection page to split in one go, then select the repayment period

Tap "Submit" and it's done! Wasn't that easy?

Scan the QR code to split a single transaction

Split a single transaction

Step 1 for applying instalment on all eligible spending

Step 2 for applying instalment on all eligible spending

Step 3 for applying instalment on all eligible spending

Logon to Hang Seng Mobile App and select "Cards" > "Instalment Plans" > "Spending Instalment" from the left-hand menu.

Preview different instalment options and select the plan that best suits you.

Tap "Submit" and it's done! Wasn't that easy?

Scan the QR code to split all eligible transactions

Split all eligible transactions

Top Spending Categories for Instalment

Split your everyday spending⁷ - convert transactions into instalments, manage your monthly budget with ease.

Hot Products

Travel and Entertainment

Online Spending

Tuition Fee

Home Furnishings

Insurance Premium

Log on Hang Seng Mobile App or
Apply now via Personal e-banking⁶

Log on to Hang Seng Mobile App to apply⁶

Log on

Hang Seng Mobile App or

Apply now via Personal e-banking

Download now
to experience Hang Seng Mobile App⁸!

Hang Seng Personal Mobile App

Note:

A New-To-Spending Instalment Cardmember is defined as a Cardmember that has not successfully applied for or held any Hang Seng Credit Card Spending Instalment – Personalised Monthly Handling Fee Plan or Hang Seng Credit Card Spending Instalment – One-off Handling Fee Plan from 1 July 2025 to 30 June 2026.
The above examples are for reference only and are not intended to be an exhaustive list of all possible scenarios. Such examples do not constitute to a guarantee or binding commitment, and the actual terms and rewards may vary based on individual circumstances. Hang Seng Bank Limited reserves the final right of interpretation and decision.
Only selected Cardmembers can apply for Spending Instalments. For details, please refer to respective Terms & Conditions. Cardmembers can log on to Hang Seng Mobile App or Personal e-Banking to check eligibility via our Spending Instalment application form or call our application hotline (852) 2998 6868.
The 0.16% monthly handling fee is applicable to selected Cardmembers and is for reference only. With a loan amount of HKD200,000 and calculated based on 60 months repayment period, the APR is 3.73% . The handling fee and APR may differ based on individual Cardmember eligibility and final approved instalment amount. APR is a reference rate that reflects the fees and charges of respective product as an annualised rate. Please log on to Hang Seng Mobile App or Personal e-Banking, or call our Hotline (852) 2998 6868 to check your personalised monthly handling fee.
Applications submitted via Hang Seng Mobile App, Personal e-Banking or our Hotline are subject to a minimum instalment application amount of HKD800 and a minimum repayment period of 3 months.
Please submit your application before your credit card statement due date.
Under normal 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 credit card account by the next calendar day :
- Mon to Fri: 12:00a.m. to 7:00a.m.
- Sat, Sun, and public holidays: 12:00a.m. to 5:30a.m.
Hang Seng Credit Card Spending Instalment – Personalised Monthly Handling Fee Plan and Hang Seng Credit Card 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.
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Hang Seng Credit Card Spending Instalment – Personalised Monthly Handling Fee Plan: Key Facts Statement, Terms & Conditions and Promotion Terms & Conditions

Hang Seng Credit Card Spending Instalment – One-off Handling Fee Plan: Key Facts Statement, Terms & Conditions and Promotion Terms & Conditions

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