Revolving Credit - Fixed Rate


Flexible Use Of Revolving Credit

Supporting Your Life Goal

Revolving Credit - Fixed Rate

Grasp opportunity! Flexible use of Revolving Credit. Revolving Credit provide you with cash flow flexibility and you will enjoy autonomy in managing your life. Our dedicated customer service officers will follow-up your loan application.

● Smart Tip - Key Facts Statement, Revolving Credit Agreement

Maximum credit limit up to HK$1,000,000 or 12 times of monthly salary (whichever is lower)

Handling fee wavier for each loan drawdown

First year annual fee wavier

Standardized annual rate of 4.8%1 for the first 3 months



Application Hotline :

(+852) 2201 7788

OCBC Wing Hang Credit Limited (“Company”) is the wholly-owned subsidiary of OCBC Wing Hang Bank Limited. The Company is the entity which processes the application of the Revolving Credit - Fixed Rate and provides the loan and related services. Customers can submit applications through the branches of the Company and OCBC Wing Hang Bank Limited. To enquire about the relevant terms and conditions, please contact the staff of the Company.


Notes regarding the Revolving Credit - Fixed Rate:

Promotion period will be calculated starting from account opening date of Revolving Credit. The APR is calculated based on middle value of credit limit of HK$100,000, HK$250,000, HK$400,000 and HK$750,000. The handling fee wavier for loan drawdown is included in the calculation of APR. APR is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualized rate, and it is calculated in accordance with the guidelines under the Code of Banking Practice. The applicable credit limit, annual rate and monthly minimum payment for individual applicants may be varied and subject to the final approval of OCBC Wing Hang Credit. For any terms and conditions of this offer, please contact the staff of OCBC Wing Hang Credit for details and enquiries.


The above loan product and offer are bound by the applicable terms and conditions. Please contact the staff of the Company for details.


Customers who are entitled to the offer of Revolving Credit - Fixed Rate (the "Offer") and the Promotion are bound by the terms and conditions of the Promotion, related loan application form and loan documents. Please contact the staff of the Company for details and enquiries of related terms and conditions and charges details. Loan amount, interest rate, monthly repayment amount and repayment tenor applicable to individual applicant may be different and is based on the final approval status of the Company; please contact the staff of the Company for details and enquiries. The Company reserves the right to amend, extend, suspend, terminate or cancel the Promotion and/or the terms and conditions or any parts thereof from time to time and at any time without prior notice or consent. In case of any dispute, the decision of the Company shall be final and conclusive. The Company reserves all the final decision on determining the interest rates, amending the terms and conditions in respect of the Loan, and approving the loan application. Reference will be made to the customer’s credit reports and the Company reserves the right to reject the loan application without specifying any reasons for its decision and interpretation, which shall be final, conclusive and binding on all.


The English version shall prevail if there is any inconsistency between the English and Chinese versions.


Before you make request for early repayment for Instalment loan, please refer to "FAQ" of this website.


For details or enquiries about the related terms and conditions, please contact us.


To borrow or not to borrow? Borrow only if you can repay!

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