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 til 31 Dec 2021, repay and earn! Up to 2% cash rebate on the card bill amount you settled! You can also split the bills into up to 72 instalments.

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

 

  • Currently, we support Visa/Master credit card issued by banks in Hong Kong with a 16-digit card number.
  • Normally the settlement amount will be transferred to your credit card account within 10 minutes upon confirming the Card Statement Instalment Program agreement. But the actual time required may vary depending on the circumstances. The exact time for transferring funds to your credit card account will be subject to the operation of the card issuing bank. Please contact the credit card issuing bank for details.
  • No.A bank saving account will be created upon your Card Statement Instalment Program drawdown for a new bank customer, which will be used for fund disbursement (if applicable) and monthly repayment.

[ 1 ] For drawdown amount of HKD100,000 and monthly handling fee of 0.1%, annualised percentage rate is 2.23% (tenor of 12 months), 2.31% (tenor of 24 months), 2.34% (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.  

FAQ

Get approval result in 90 seconds
New bank users can get approval result in 90 seconds[2]!
01
Clear and low 0.1% handling fee
Enjoy monthly handling fee as low as HKD 10[1]for every HKD 10,000 settled, plus 2% cash rebate!
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

Easy application in 4 steps

 

  • 1

    Fill in information

  • 2

    Receive preliminary approval result

  • 3

    Upload documents

  • 4

    Confirm the application and fund disbursement to your credit card accounts

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 2021, repay and earn! Up to 2% cash rebate on the card bill amount you settled! You can also split the bills into up to 72 instalments.

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

[ 1 ] For drawdown amount of HKD100,000 and monthly handling fee of 0.1%, annualised percentage rate is 2.23% (tenor of 12 months), 2.31% (tenor of 24 months), 2.34% (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.  

FAQ

  • Currently, we support Visa/Master credit card issued by banks in Hong Kong with a 16-digit card number.
  • Normally the settlement amount will be transferred to your credit card account within 10 minutes upon confirming the Card Statement Instalment Program agreement. But the actual time required may vary depending on the circumstances. The exact time for transferring funds to your credit card account will be subject to the operation of the card issuing bank. Please contact the credit card issuing bank for details.
  • No.A bank saving account will be created upon your Card Statement Instalment Program drawdown for a new bank customer, which will be used for fund disbursement (if applicable) and monthly repayment.
Get approval result in 90 seconds
New bank users can get approval result in 90 seconds[2]!
Clear and low 0.1% handling fee
Enjoy monthly handling fee as low as HKD 10[1]for every HKD 10,000 settled, plus 2% cash rebate!
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.

4 steps to apply

 

1

Fill in information

2

Receive preliminary approval result

3

Upload documents

4

Confirm the application and fund disbursement to your credit card accounts