How to Get a Hang Seng Credit Card Online

Signing up for a credit card is a huge commitment, and with so many to choose from, the task can often feel nearly impossible. One of the most popular and reliable options is the Hang Seng credit card. It offers you rewards for spending at places such as diners as well as overseas or online spending.

Hang Seng is revolutionizing online spending, and are setting examples that other banks will surely follow. They provide their credit card users with double privileges by offering Cash Dollars and Instalment Plans that are free of interest

We’ve put together this short guide to help you through the process of applying for your hang Seng credit card. Let’s get started. 

How to Get a Hang Seng Credit Card Online

Benefits of a Hang Seng Credit Card

Hang Seng provides its customers with a wide array of benefits, the majority of which are received when you swipe your card. One of the greatest benefits is the rewards that you receive when using your Hang Seng credit card to make online purchases.

Over the past five or so years, online purchases have become more and more popular, which is why Hang Seng has chosen to reward their customers for making online transactions. They offer interest-free installment plans, as well as the accumulation of Cash Dollars when spending, doubling your rewards. 

However, you’re not only being rewarded for online purchases. For every HKD250, you spend at a retail merchant, you can earn $1 Cash Dollar. The Dollars that you accumulate can then be used at over 7 400 merchants designated by Hang Seng. 

If you are someone who frequently stays in hotels, you will find a Hang Seng credit card most beneficial. You can receive up to 20% discounted prices at hotel restaurants of The Mira Hong Kong, Conrad Hong Kong, JW Marriott Hotel Hong Kong, InterContinental Hong Kong, The Langham, Hong Kong, Sheraton Hong Kong Hotel & Towers, Mira Moon Hotel and Grand Hyatt Hong Kong

Fees & Rates

The annual fee for a Hang Seng credit card is HKD6 000, then HKD1 000 for each supplementary card. For retail purchases, you will be charged 2.62% per month or 34.97% per year. 

The interest rate for cash advances is also 2.62% per month, but you will end up paying 38.37% per year. The annual fee that is charged depends on the credit card you hold, as Hang Seng offers a variety of credit card options and plans. 

For their Visa Infinite Card / World Mastercard, you will be charged HKD6 000 per year, and HKD1 000 for each supplementary card. Hang Seng Platinum Cardholders will be charged HKD1 500 per year, and HKD750 for supplementary cards. 

Gold Cardholders will be charged HKD600 per year, and HKD300 for every supplementary card. For the Classic Card, the principal amount is HKD300 a year, with supplementary cards costing HKD150 a year. 

How To Apply

The online application process for a Hang Seng credit card is a simple one. To start, navigate to the Online Applications tab on their website, found in the ‘Cards’ page. Then, select your choice of card from the ‘Hang Seng Credit Card’ section on this page. 

Once you have selected a card, you will be prompted to select a Welcome Gift, which is a complimentary gift from Hang Seng for applying for one of their cards. Of course, you will need to make sure that you meet the eligibility requirements for taking out a credit card. 

You will also be required to fulfill the relevant terms and conditions before you are able to receive your welcome gift, if at all. Each credit card has a relevant web page that provides more information. 

Next, you will be prompted to enter your basic personal details, much like you would when applying for any other bank card. 

How to Get a Hang Seng Credit Card Online

Contact Information

For enquiries, you might want to visit the head office. The head office, as well as the majority of Hang Seng Bank’s branches and sub-branches, is found in Shanghai, China. 

Head Office – Shanghai

34/F & 36/F, Hang Seng Bank Tower, 1000 Luijazui Ring Road, Puding, Shanghai, China

Tel: (06-21) 3865 8888

Enquiry Hotline: (052) 2198 5890


There are various other branches and sub-branches, the contact details of which can be found here

Note: There are risks involved when applying for and using credit. Consult the bank’s Important Notices page for more information.