After activating ZA Credit, you can choose between HKD savings account balance and ZA Credit as your priority payment method. You can log in to the ZA Bank App > Account > ZA Card > "Priority payment method" to modify the settings at any time.

Choose ZA Credit?

Transactions will be deducted from your ZA Credit's limit first. If your credit limit isn't enough, your account balance will be used automatically.

Choose account balance?

Transactions will be deducted from your account balance first. If your account balance isn't enough, your ZA Credit's limit will be used automatically.