After activating ZA Credit, you can choose to pay with HKD savings account balance or ZA Credit as your priority payment method.

You can login to the ZA Bank App > Account > ZA Card > “Priority payment method” to modify the settings at any time.

If you set ZA Credit as your priority payment method, the limit of ZA Credit will be deducted when you make a ZA Card transaction. If the limit is insufficient for paying the entire transaction amount, your HKD savings account balance will be deducted instead.

If you set as HKD savings account balance as your priority payment method, HKD savings account balance will be deducted when you make a ZA Card transaction. If your HKD savings account balance is insufficient for paying the entire transaction amount, the limit of ZA Credit will be deducted instead.