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Hang Seng Bank Limited
Hang Seng Bank Limited
Official site
www.hangseng.com
Last verified
19 Oct 2026
Credit cards
8
Personal loans
5
Traditional bank accounts
2
Brokerage accounts
3
Credit cards
8
Hang Seng Bank Limited
Hang Seng Visa Infinite Card
Annual fee
HK$6,000
Purchase APR
35.72%
Minimum income
To be verified
Annual fee waiver
3-Year Annual Fee Waiver for Principal Card applicants (Supplementary Card applicants enjoy the same annual fee waiver when applied at the same time); Full-time University/Tertiary students can enjoy 7-Year Annual Fee Waiver
Source: Hang Seng Visa Infinite Card
Updated
19 Oct 2026
Hang Seng Bank Limited
Hang Seng Travel+ Visa Signature Card
Annual fee
Perpetual annual fee waiver
Purchase APR
35.72%
Minimum income
HK$150,000
7
Selected foreign currency spending in Japan, South Korea, Thailand, Chinese Mainland, Macau and Taiwan (upon registration and HKD6,000 monthly eligible spending until 31 Dec 2026)
5
Other foreign currency spending outside Hong Kong
Annual fee waiver
Perpetual annual fee waiver for principal and supplementary cardholders
Source: Hang Seng Travel+ Visa Signature Card
Updated
19 Oct 2026
Hang Seng Bank Limited
Hang Seng Renminbi Credit Card
Annual fee
Perpetual annual fee waiver
Purchase APR
35.72%
Minimum income
HK$150,000
0.4
All retail spending (RMB250 = $1 +FUN Dollar, redeemable in +FUN Shop)
Annual fee waiver
Perpetual annual fee waiver for principal and supplementary cards
Source: Hang Seng Renminbi Credit Card
Updated
19 Oct 2026
Hang Seng Bank Limited
Hang Seng Prestige World Mastercard
Annual fee
Perpetual annual fee waiver for principal and supplementary cards.
Purchase APR
35.72%
Minimum income
The application notes specify minimum annual income HK$150,000 for principal applicants (except full-time university/tertiary students); Prestige World applicants must also reside in Hong Kong and hold a Hang Seng Prestige Banking Integrated Account.
Annual fee waiver
Perpetual annual fee waiver for principal and supplementary cardholders
Source: Hang Seng Prestige World Mastercard
Updated
19 Oct 2026
Hang Seng Bank Limited
Hang Seng Platinum Card
Annual fee
HK$1,500
Purchase APR
35.72%
Minimum income
HK$150,000
0.4
Retail spending
Annual fee waiver
Perpetual annual fee waiver
Source: Hang Seng Platinum Card
Updated
19 Oct 2026
Hang Seng Bank Limited
Hang Seng MMPOWER World Mastercard
Annual fee
Perpetual annual fee waiver
Purchase APR
35.72%
Minimum income
HK$150,000
8
Designated merchants including Amazon, lululemon, GU, Taobao and Uniqlo (upon successful registration; promotion until 31 Dec 2026)
8
Online entertainment (dramas, music, movie, show and entertainment tickets)
Annual fee waiver
Perpetual annual fee waiver for principal and supplementary cardholders
Source: Hang Seng MMPOWER World Mastercard
Updated
19 Oct 2026
Hang Seng Bank Limited
Hang Seng enJoy Visa Platinum Card
Annual fee
Perpetual annual fee waiver
Purchase APR
35.72%
Minimum income
HK$150,000
2
Year-round spending at designated merchants (up to 4x yuu Points, equivalent to 2% rebate)
8
Wellcome spending on selected days every month
Annual fee waiver
Perpetual annual fee waiver for both principal and supplementary cardholders
Welcome offer
Up to 140,000 yuu Points (worth HKD700)
Source: Hang Seng enJoy Visa Platinum Card
Updated
19 Oct 2026
Hang Seng Bank Limited
The Chinese University of Hong Kong Credit Card
Annual fee
By tier: Platinum principal/supplementary HK$1,500/HK$750; Gold HK$600/HK$300; Classic HK$300/HK$150. Fee-waiver conditions apply.
Purchase APR
Retail purchase APR 35.72% (monthly finance charge 2.67%).
Minimum income
Minimum annual income HK$150,000 for principal applicants, except full-time university/tertiary students.
2.4
Education payments
Annual fee waiver
First-time applicants who do not currently hold and have not held a Hang Seng personal principal credit card in the past 6 months receive a perpetual waiver for the principal and simultaneously applied supplementary card; otherwise a 1-year waiver. Perpetual waiver generally applies to one card per principal customer, subject to the listed exceptions.
Welcome offer
Up to $700 +FUN Dollars
Source: Hang Seng University Affinity Credit Card (CUHK)
Updated
19 Oct 2026
Personal loans
5
Hang Seng Bank Limited
Top-up Loan
APR from
2.91%
–36.00%
Loan amount
HK$5,000–HK$3,000,000
Monthly flat rate
0.13%
Tenor
12–60
Source: Hang Seng Top-up Loan
Updated
19 Oct 2026
Hang Seng Bank Limited
Personal Revolving Loan
APR from
10.48%
–19.58%
Loan amount
HK$5,000–HK$600,000
Monthly flat rate
To be verified
Tenor
To be verified
Source: Hang Seng Revolving Loan
Updated
19 Oct 2026
Hang Seng Bank Limited
Debt Consolidation Instalment Loan
APR
Not higher than 36.00%
Loan amount
Up to 21 times monthly salary; final amount depends on individual circumstances
Monthly flat rate
0.2%
Tenor
6–72
Source: Hang Seng Debt Consolidation Loan
Updated
19 Oct 2026
Hang Seng Bank Limited
Hang Seng Personal Instalment Loan
APR from
1.88%
–36.00%
Loan amount
HK$5,000–HK$3,000,000
Monthly flat rate
0.0845%
Tenor
12–60
Source: Hang Seng personal instalment loan
Updated
5 Oct 2026
Hang Seng Bank Limited
Electric Vehicle Loan
APR from
1.88%
–10.29%
Loan amount
HK$5,000–HK$3,000,000
Monthly flat rate
0.0845%
Tenor
12–60
Source: Hang Seng EV Loan
Updated
5 Oct 2026
Traditional bank accounts
2
Hang Seng Bank Limited
Prestige Banking
Account type
Prestige Banking integrated account
Minimum balance
HK$1,000,000 Total Relationship Balance in the previous calendar month to waive the monthly fee
Maintenance fee
HK$40 / HK$340 (HK$40 if previous month's Total Relationship Balance is below HK$1,000,000; HK$340 if below HK$500,000; waived if TRB is HK$1,000,000 or above, or if auto-payroll is set up through the Prestige account with TRB of HK$500,000 or its equivalent)
Interest
To be verified
Maintenance fee waiver
Monthly Prestige Banking fee is waived when the Total Relationship Balance reaches HKD1,000,000 or above in the previous calendar month
Source: Hang Seng Prestige Banking
Updated
19 Oct 2026
Hang Seng Bank Limited
Preferred Banking
Account type
Preferred Banking account
Minimum balance
Preferred Banking has no Total Relationship Balance requirement.
Maintenance fee
No below-balance fee for Preferred Banking.
Interest
To be verified
Current offers:
Open or upgrade to a Preferred Banking account through the Hang Seng Mobile App for rewards up to $15,100
（Until
31 Dec 2026
）
Source: Hang Seng Preferred Banking
Updated
19 Oct 2026
Brokerage accounts
3
Hang Seng Bank Limited
US Securities Trading Service
Markets
Common Stocks (excluding warrants), ETFs and ADRs on NYSE, NASDAQ, NYSE Amex Equities Market (AMEX), NYSE ARCA and Chicago Board Options Exchange (CBOE)
Commission
US stocks: USD0.015 per share via Hang Seng Invest Express mobile app; minimum USD15.
Minimum deposit
To be verified
Regulator
Hang Seng Bank is a registered institution under the Securities and Futures Ordinance; CE AAH297
Source: Hang Seng US Securities Trading
Updated
19 Oct 2026
Hang Seng Bank Limited
SimplyStock
Markets
HK Stocks
Stock Connect Securities
US stocks
Zero commission
HK HK$0
HK 0.25%
CN-A-CONNECT 0.25%
Minimum deposit
To be verified
Regulator
Hang Seng Bank is a registered institution under the Securities and Futures Ordinance; CE AAH297
Source: Hang Seng SimplyStock
Updated
19 Oct 2026
Hang Seng Bank Limited
Local Securities Services
Markets
Hong Kong securities traded on The Stock Exchange of Hong Kong
Commission
HK stocks: 0.25% of transaction amount via Hang Seng Personal e-Banking / Personal Banking mobile app / Invest Express mobile app / Automated Securities Trading Hotlines; via Manned Securities Trading Hotlines / Branches, 0.35% for transaction amount below HKD200,000 and 0.30% for transaction amount equal to or above HKD200,000; minimum HKD100.
Minimum deposit
To be verified
Regulator
Hang Seng Bank is a registered institution under the Securities and Futures Ordinance; CE AAH297
Source: Hang Seng Local Securities
Updated
19 Oct 2026
