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ZA Bill Master
Clear card bills and earn a cash reward
From now until 31 October 2024, settle the designated credit card bills with the promotion code [SURPRISE] to earn an extra cash reward of up to HKD 2,0001. It’s just that easy!

Card Statement Instalment Program Terms and ConditionsKey Facts Statement

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

ZA Bill Master
Clear card bills and earn a cash reward
From now until 31 October 2024, settle the designated credit card bills with the promotion code [SURPRISE] to earn an extra cash reward of up to HKD 2,0001. It’s just that easy!

Card Statement Instalment Program Terms and ConditionsKey Facts Statement

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

Card Statement Instalment Program
Clear credit card bills to avoid snowballing
Promotional Terms and Conditions Fees & Charges
Get a loan amount up to 21x your salary
Enjoy an instalment of up to 21x your salary2 plus a cash-out portion to ease your cash flow.
Settle multiple credit cards in one go
Unlike other institutions, we can settle all your credit card bills at once.
Enjoy a repayment period of up to 72 months
We offer a repayment period of up to 72 months2. Settle your card bills at your own pace!
Delay repayments for 30 days
The first repayment is 30 days3 after the successful drawdown of ZA Bill Master. Take a break from the growing pile of card bills!
Get your approval result in 90s
New users can get a preliminary approval result in 90 seconds4.
Card Statement Instalment Program
Clear credit card bills to avoid snowballing
Promotional Terms and Conditions Fees & Charges
Get a loan amount up to 21x your salary
Enjoy an instalment of up to 21x your salary2 plus a cash-out portion to ease your cash flow.
Settle multiple credit cards in one go
Unlike other institutions, we can settle all your credit card bills at once.
Enjoy a repayment period of up to 72 months
We offer a repayment period of up to 72 months2. Settle your card bills at your own pace!
Delay repayments for 30 days
The first repayment is 30 days3 after the successful drawdown of ZA Bill Master. Take a break from the growing pile of card bills!
Get your approval result in 90s
New users can get a preliminary approval result in 90 seconds4.
Card Statement Instalment Program
Clear credit card bills to avoid snowballing
Get a loan amount up to 21x your salary
Enjoy an instalment of up to 21x your salary2 plus a cash-out portion to ease your cash flow.
Settle multiple credit cards in one go
Unlike other institutions, we can settle all your credit card bills at once.
Enjoy a repayment period of up to 72 months
We offer a repayment period of up to 72 months2. Settle your card bills at your own pace!
Delay repayments for 30 days
The first repayment is 30 days3 after the successful drawdown of ZA Bill Master. Take a break from the growing pile of card bills!
Get your approval result in 90s
New users can get a preliminary approval result in 90 seconds4.
Card Statement Instalment Program
Clear credit card bills to avoid snowballing
Get a loan amount up to 21x your salary
Enjoy an instalment of up to 21x your salary2 plus a cash-out portion to ease your cash flow.
Settle multiple credit cards in one go
Unlike other institutions, we can settle all your credit card bills at once.
Enjoy a repayment period of up to 72 months
We offer a repayment period of up to 72 months2. Settle your card bills at your own pace!
Delay repayments for 30 days
The first repayment is 30 days3 after the successful drawdown of ZA Bill Master. Take a break from the growing pile of card bills!
Get your approval result in 90s
New users can get a preliminary approval result in 90 seconds4.
Repayment Calculator
Total amount to be settled (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Total amount to be settled (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Total amount to be settled (HKD)
1,000,000
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Tenor (month)
60Instalment
9121824364860
Tenor (month)
60Instalment
9121824364860
貸款期限
9
12
18
24
36
48
60
Monthly repayment amount (HKD)
--
Monthly handling fee (%)
--%
APR (%)
--%
Monthly repayment amount (HKD)
--
Monthly handling fee (%)
--%
APR (%)
--%
Repayment table
Instalment Monthly repayment amount (HKD)Handling fee (HKD)Principal (HKD)
--------
Repayment table
Instalment Monthly repayment amount (HKD)Handling fee (HKD)Principal (HKD)
--------
Note:
- The repayment figure shown is for reference only and no handling fee is charged.
-The result from repayment calculator is for reference only.  The actual result that will apply will be based on customer’s final loan amount, credit rating and other factors as assigned and considered by the Bank.
Repayment Calculator
Total amount to be settled (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Total amount to be settled (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Total amount to be settled (HKD)
1,000,000
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Tenor (month)
60Instalment
9121824364860
Tenor (month)
60Instalment
9121824364860
貸款期限
9
12
18
24
36
48
60
Monthly repayment amount (HKD)
--
Monthly handling fee (%)
--%
APR (%)
--%
Monthly repayment amount (HKD)
--
Monthly handling fee (%)
--%
APR (%)
--%
Repayment table
Instalment Monthly repayment amount (HKD)Handling fee (HKD)Principal (HKD)
--------
Repayment table
Instalment Monthly repayment amount (HKD)Handling fee (HKD)Principal (HKD)
--------
Note:
- The repayment figure shown is for reference only and no handling fee is charged.
-The result from repayment calculator is for reference only.  The actual result that will apply will be based on customer’s final loan amount, credit rating and other factors as assigned and considered by the Bank.
Repayment Calculator
Total amount to be settled (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Total amount to be settled (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Total amount to be settled (HKD)
1,000,000
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Tenor (month)
60Instalment
9121824364860
Tenor (month)
60Instalment
9121824364860
Tenor (month)
9
12
18
24
36
48
60
Monthly repayment amount (HKD)
--
Monthly handling fee (%)
--%
APR (%)
--%
Monthly repayment amount (HKD)
--
Monthly handling fee (%)
--%
APR (%)
--%
Note:
- The repayment figure shown is for reference only and no handling fee is charged.
-The result from repayment calculator is for reference only.  The actual result that will apply will be based on customer’s final loan amount, credit rating and other factors as assigned and considered by the Bank.
Repayment table
Instalment Monthly repayment amount (HKD)Handling fee (HKD)Principal (HKD)
--------
Repayment table
Instalment Monthly repayment amount (HKD)Handling fee (HKD)Principal (HKD)
--------
Repayment Calculator
Total amount to be settled (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Total amount to be settled (HKD)
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Total amount to be settled (HKD)
1,000,000
5,0006,0007,0008,0009,00010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Tenor (month)
60Instalment
9121824364860
Tenor (month)
60Instalment
9121824364860
Tenor (month)
9
12
18
24
36
48
60
Monthly repayment amount (HKD)
--
Monthly handling fee (%)
--%
APR (%)
--%
Monthly repayment amount (HKD)
--
Monthly handling fee (%)
--%
APR (%)
--%
Note:
- The repayment figure shown is for reference only and no handling fee is charged.
-The result from repayment calculator is for reference only.  The actual result that will apply will be based on customer’s final loan amount, credit rating and other factors as assigned and considered by the Bank.
Repayment table
Instalment Monthly repayment amount (HKD)Handling fee (HKD)Principal (HKD)
--------
Repayment table
Instalment Monthly repayment amount (HKD)Handling fee (HKD)Principal (HKD)
--------
Clear your credit card debts in 4 easy steps
1
Fill in your information
2
Receive a preliminary approval result
3
Upload your documents
4
Confirm the application and directly disburse the funds to your credit card accounts
Clear your credit card debts in 4 easy steps
1
Fill in your information
2
Receive a preliminary approval result
3
Upload your documents
4
Confirm the application and directly disburse the funds to your credit card accounts
Clear your credit card debts in 4 easy steps
1
Fill in your information
2
Receive a preliminary approval result
3
Upload your documents
4
Confirm the application and directly disburse the funds to your credit card accounts
Clear your credit card debts in 4 easy steps
1
Fill in your information
2
Receive a preliminary approval result
3
Upload your documents
4
Confirm the application and directly disburse the funds to your credit card accounts
Eligibility and required documents
Eligibility
HKID holder
Age 18 or above
Monthly salary HKD 8,000 or above
Required documents
Income proof
Address proof
Other documents, e.g. working visa (if required)
Eligibility and required documents
Eligibility
HKID holder
Age 18 or above
Monthly salary HKD 8,000 or above
Required documents
Income proof
Address proof
Other documents, e.g. working visa (if required)
Eligibility and required documents
Eligibility
HKID holder
Age 18 or above
Monthly salary HKD 8,000 or above
Required documents
Income proof
Address proof
Other documents, e.g. working visa (if required)
Eligibility and required documents
Eligibility
HKID holder
Age 18 or above
Monthly salary HKD 8,000 or above
Required documents
Income proof
Address proof
Other documents, e.g. working visa (if required)

1. On or before 31 October 2024, users can input the invitation code to get 3 Loan Cash Coupons which are applicable to different loan amounts during the application of the Card Statement Instalment Program. Upon the successful drawdown of the Card Statement Instalment Program with a tenor of 18 months or above and a loan amount of HKD 200,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above with the coupon, the user can get an HKD 588, HKD 688, and HKD 2,000 cash reward respectively after the completion of the 7-day Cooling-off Period. The coupons are valid for 14 days after the user enters the code during the loan application. Terms and conditions apply.


2. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.


3. The drawdown day for the Card Statement Instalment Program and monthly repayment day are the same. If the loan is successfully drawn down on 1 August 2021, the first repayment day will be 1 September 2021. Users will start repayment on average 30 days later.


4. This approval result is preliminary. Users are required to submit relevant documents for review before receiving the final result and approval. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in the Loan tab after logging into the app.




1. On or before 31 October 2024, users can input the invitation code to get 3 Loan Cash Coupons which are applicable to different loan amounts during the application of the Card Statement Instalment Program. Upon the successful drawdown of the Card Statement Instalment Program with a tenor of 18 months or above and a loan amount of HKD 200,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above with the coupon, the user can get an HKD 588, HKD 688, and HKD 2,000 cash reward respectively after the completion of the 7-day Cooling-off Period. The coupons are valid for 14 days after the user enters the code during the loan application. Terms and conditions apply.


2. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.


3. The drawdown day for the Card Statement Instalment Program and monthly repayment day are the same. If the loan is successfully drawn down on 1 August 2021, the first repayment day will be 1 September 2021. Users will start repayment on average 30 days later.


4. This approval result is preliminary. Users are required to submit relevant documents for review before receiving the final result and approval. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in the Loan tab after logging into the app.




1. On or before 31 October 2024, users can input the invitation code to get 3 Loan Cash Coupons which are applicable to different loan amounts during the application of the Card Statement Instalment Program. Upon the successful drawdown of the Card Statement Instalment Program with a tenor of 18 months or above and a loan amount of HKD 200,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above with the coupon, the user can get an HKD 588, HKD 688, and HKD 2,000 cash reward respectively after the completion of the 7-day Cooling-off Period. The coupons are valid for 14 days after the user enters the code during the loan application. Terms and conditions apply.


2. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.


3. The drawdown day for the Card Statement Instalment Program and monthly repayment day are the same. If the loan is successfully drawn down on 1 August 2021, the first repayment day will be 1 September 2021. Users will start repayment on average 30 days later.


4. This approval result is preliminary. Users are required to submit relevant documents for review before receiving the final result and approval. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in the Loan tab after logging into the app.




1. On or before 31 October 2024, users can input the invitation code to get 3 Loan Cash Coupons which are applicable to different loan amounts during the application of the Card Statement Instalment Program. Upon the successful drawdown of the Card Statement Instalment Program with a tenor of 18 months or above and a loan amount of HKD 200,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above with the coupon, the user can get an HKD 588, HKD 688, and HKD 2,000 cash reward respectively after the completion of the 7-day Cooling-off Period. The coupons are valid for 14 days after the user enters the code during the loan application. Terms and conditions apply.


2. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.


3. The drawdown day for the Card Statement Instalment Program and monthly repayment day are the same. If the loan is successfully drawn down on 1 August 2021, the first repayment day will be 1 September 2021. Users will start repayment on average 30 days later.


4. This approval result is preliminary. Users are required to submit relevant documents for review before receiving the final result and approval. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in the Loan tab after logging into the app.