Get result in 90 seconds!
New bank users can get approval result in 90 seconds[2]!
Terms and Conditions apply. To borrow or not to borrow? Borrow only if you can repay.
Your favourite offer is back!From now till 19 Apr 2023, settle designated card bills to get a guaranteed reward#, includingiPhone 14 and up to HKD 1,000 worth ZA Coins!
Extra 10% off on monthly handling fee with invitation code[ZABM2023]*!
ZA Bill Master
Card Statement Instalment Program
The return of iPhone 14
‘Gift’ yourself a credit on settling card bills!
From iPhone 14 to ZA Coins, you deserve to be rewarded#!
Your wishes come true!
A new card statement instalment program that treats you right
01
Repay 30 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 30 April 2023.10% Discount Coupon is applicable for Card Statement Instalment Programme. 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.
# Upon successful drawdown of Card Statement Instalment Program with loan amount of HKD 50,000 or above and repayment tenor of 12 months or above on or before 19 April 2023 and completion of 7-day cooling-off period, users will get a capsule from ZA Quest on or before 18 May 2023 and have a chance to win iPhone 14 256GB, 100,000 ZA Coins (equal to HKD 1,000) , 50,000 ZA Coins (equal to HKD 500) , 20,000 ZA Coins (equal to HKD 200) or 10,000 ZA Coins (equal to HKD 100). Users must successfully link ZA Bank account to ZA Coins, a third-party reward scheme operated by ZA International Financial Services Limited. Each user can get 1 reward only. Terms and conditions apply.
[ 1 ] For drawdown amount of HKD100,000 and monthly handling fee of 0.09%, annualised percentage rate is 2.06% (tenor of 18 months), 2.08% (tenor of 24 months), 2.11% (tenor of 48 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
Card Statement Instalment Program
The return of iPhone 14
To borrow or not to borrow?Borrow only if you can repay.
Your favourite offer is back!From now till 12 Apr 2023, settle designated card bills to get a guaranteed reward#, including iPhone 14 and up to HKD 1,000 worth ZA Coins!
Extra 10% off on monthly handling fee with invitation code [ZABM2023] *!
‘Gift’ yourself a credit on settling card bills!
From iPhone 14 to ZA Coins,
you deserve to be rewarded#!
Your wishes come true!
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]!
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 30 April 2023. 10% Discount Coupon is applicable for Card Statement Instalment Program. 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.
# Upon successful drawdown of Card Statement Instalment Program with loan amount of HKD 50,000 or above and repayment tenor of 12 months or above on or before 19 April 2023 and completion of 7-day cooling-off period, users will get a capsule from ZA Quest on or before 18 May 2023 and have a chance to win iPhone 14 256GB, 100,000 ZA Coins (equal to HKD 1,000) , 50,000 ZA Coins (equal to HKD 500) , 20,000 ZA Coins (equal to HKD 200) or 10,000 ZA Coins (equal to HKD 100). Users must successfully link ZA Bank account to ZA Coins, a third-party reward scheme operated by ZA International Financial Services Limited. Each user can get 1 reward only. Terms and conditions apply.
[ 1 ] For drawdown amount of HKD100,000 and monthly handling fee of 0.09%, annualised percentage rate is 2.06% (tenor of 18 months), 2.08% (tenor of 24 months), 2.11% (tenor of 48 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.