ZA Bank, Virtual Bank

ZA Bank, Virtual Bank

Terms and Conditions apply. To borrow or not to borrow? Borrow only if you can repay.

From now till 31 Dec, enjoy as low as 0.1% handling fee[1] on your card bill amount settled. Extra 10% off on monthly handling fee with invitation code [ZASI2021]*!

ZA Bill Master

Up to 2% cash rebate on a brand-new repayment way for card bills

Up to 2% cash rebate! The more card bills you settle, the more rebate you earn. No cap!

 

Cash rebate table

 

A new card statement instalment program that treats you right

 

Get result in 90 seconds!
New bank users can get approval result in 90 seconds[2]!
01
Clear and low 0.09% handling fee
Enjoy a low handling fee as low as 0.09% per month by using invitation code [ZASI2021]. HKD 9[1]for every HKD 10,000 settled.
02
Repay 30 days later
The first repayment is 30 days[3]after the successful application!
03
72-month extra-long repayment period
Flexible repayment period up to 72 months! Pick the repayment schedule that suits you.
04

* Input the invitation code to get 10% Discount Coupon during the instalment loan application on or before 31 December 2021.10% Discount Coupon is applicable for a drawdown amount of HKD 50,000 or above. Coupon is valid for 14 days after you have entered the code during the application. Remember to draw down your statement instalment before the coupon expires to enjoy the 10% discount. You may also click here to understand more aboutTerms and Conditions for Discount Coupon. 

 

[ 1 ] For drawdown amount of HKD100,000 and monthly handling fee of 0.09%, annualised percentage rate is 2.01% (tenor of 12 months), 2.08% (tenor of 24 months), 2.11% (tenor of 72 months). The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Associations of Banks. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate.

 

[ 2 ] The approval results are preliminary. Users are required to submit proof documents before receiving the final approval. The actual completion time varies across individuals. In general, provided that all required information is in order, an applicant can get the preliminary approval result within 90 seconds.

 

[ 3 ]  The drawdown day for Card Statement Instalment Program and monthly repayment day is the same, e.g. successfully drawing down the loan on 1 August 2021, the first repayment day will be 1 September 2021. Customers will start repayment on average 30 days later.  

ZA Bill Master

Up to 2% cash rebate for card bills

 

 

Terms and Conditions apply.

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

From now till 31 Dec, enjoy as low as 0.1% handling fee on your card bill amount settled[1]. Extra 10% off on monthly handling fee with invitation code [ZASI2021]*!

Up to 2% cash rebate! The more card bills you settle, the more rebate you earn. No cap!

Cash rebate table

A new card statement instalment program that treats you right

Get approval result in 90 seconds
New bank users can get approval result in 90 seconds[2]!
Clear and low 0.09% handling fee
Enjoy a low handling fee as low as 0.09% per month by using invitation code [ZASI2021]. HKD 9[1]for every HKD 10,000 settled.
Repay 30 days later

days later

The first repayment is 30 days[3]after the successful application!
72-month extra-long repayment period
Flexible repayment period up to 72 months! Pick the repayment schedule that suits you.

* Input the invitation code to get 10% Discount Coupon during the instalment loan application on or before 31 December 2021. 10% Discount Coupon is applicable for a drawdown amount of HKD 50,000. Coupon is valid for 14 days after you have entered the code during the application. Remember to draw down your statement instalment before the coupon expires to enjoy the 10% discount. You may also click here to understand more about Terms and Conditions for Discount Coupon. 

 

[ 1 ] For drawdown amount of HKD100,000 and monthly handling fee of 0.09%, annualised percentage rate is 2.01% (tenor of 12 months), 2.08% (tenor of 24 months), 2.11% (tenor of 72 months). The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Associations of Banks. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate.

 

[ 2 ] The approval results are preliminary. Users are required to submit proof documents before receiving the final approval. The actual completion time varies across individuals. In general, provided that all required information is in order, an applicant can get the preliminary approval result within 90 seconds.

 

[ 3 ]  The drawdown day for Card Statement Instalment Program and monthly repayment day is the same, e.g. successfully drawing down the loan on 1 August 2021, the first repayment day will be 1 September 2021. Customers will start repayment on average 30 days later.