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Exclusive for selected customers
ZA Credit
Spend to earn MORE!
To borrow or not to borrow? Borrow only if you can repay!
Exclusive for selected customers
ZA Credit
Spend to earn MORE!
To borrow or not to borrow? Borrow only if you can repay!
Your new ZA Credit experience!
  • ZA Credit allows you to use your ZA Card with credit or HKD savings account balance. Flexible spending with more rewards!
Your new ZA Credit experience!
  • ZA Credit allows you to use your ZA Card with credit or HKD savings account balance. Flexible spending with more rewards!
Your new ZA Credit experience!
  • ZA Credit allows you to use your ZA Card with credit or HKD savings account balance. Flexible spending with more rewards!
Your new ZA Credit experience!
  • ZA Credit allows you to use your ZA Card with credit or HKD savings account balance. Flexible spending with more rewards!
Repayment calculator of ZA Credit
Outstanding amount (HKD)
Outstanding amount (HKD)
申金额(HKD)
20,000
8,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Minimum payment
Only pay the fixed amount
Monthly repayment amount (HKD)
--
--
Estimated number
of years for the full
repayment
--
--
Total repayment amount (HKD)
--
--
Total interest expenses (HKD)
--
--
Savings in interest expenses (HKD)
--
--

This calculator and the results are for reference only. You need to refer to your individual monthly statement for account details and make repayments accordingly.

Assumptions: You make the payment on or before the payment due date each month (If the fixed amount is lower than the minimum payment amount, the repayment amount for the month will be calculated based on the minimum payment amount.).

Assumptions: No new transactions.

Assumptions: No annual fee and other fees.

Assumptions: Annual interest rate is 30% (APR is 34.49%).

The APR is calculated using method specified in relevant guidelines issued by The Hong Kong Association of Banks and is rounded up or down to the nearest two decimal places. The APR is a reference rate, which includes the basic interest rates and other applicable fees and charges of a product, expressed as an annualised rate.

Repayment calculator of ZA Credit
Outstanding amount (HKD)
20,000
Minimum payment
Only pay the fixed amount
Monthly repayment amount (HKD)
--
--
Estimated number
of years for the full
repayment
--
--
Total repayment amount (HKD)
--
--
Total interest expenses (HKD)
--
--
Savings in interest expenses (HKD)
--
--
FAQ
What is ZA Credit?
Do you consider my credit report when I apply for ZA Credit?
What is the annual interest rate and APR of ZA Credit? Is there any annual fee?
Learn more
FAQ
What is ZA Credit?
Do you consider my credit report when I apply for ZA Credit?
What is the annual interest rate and APR of ZA Credit? Is there any annual fee?
Learn more
FAQ
What is ZA Credit?
Do you consider my credit report when I apply for ZA Credit?
What is the annual interest rate and APR of ZA Credit? Is there any annual fee?
Learn more
FAQ
What is ZA Credit?
Do you consider my credit report when I apply for ZA Credit?
What is the annual interest rate and APR of ZA Credit? Is there any annual fee?
Learn more

* ZA Credit is a revolving loan which can be used for retail purchase with ZA Card. A user can choose to settle ZA Card transactions with ZA Credit or HKD savings account balance. If a user chooses to pay with ZA Credit and the available credit limit of ZA Credit is insufficient for paying the entire transaction amount, or cannot be used, the transaction will be settled with the HKD savings account balance. 

# We will provide ZA Credit electronic monthly statements. If you want to request for a paper statement, please contact us. A fee per statement cycle will be charged. For details, please refer to Fees and Charges Guide for Individual Customers.

1. The longest period between the date of transaction with ZA Credit and the next payment due date of ZA Credit is 56 days.

2. After successful ZA Credit activation from now until 31 July 2024, a user who spends 3 times with ZA Credit within 1 month can go to the ZA Bank App > the Explore tab > ZA Quest and claim an HKD 200 ZA Credit welcome offer. Terms & conditions apply.