Revolving Credit - Fixed Rate


Application Hotline:

(+852) 2311 2191

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Enjoy your Life with "Standby Cash at Every Moment"

Revolving Credit provide you with cash flow flexibility and you'll enjoy more autonomy in managing your life.

● 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) 2834 1818

Note :


1. 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.

OCBC Wing Hang Credit Limited (“OCBC Wing Hang Credit”) is a wholly-owned subsidiary of OCBC Wing Hang Bank Limited (“OCBC Wing Hang Bank Limited”). OCBC Wing Hang Credit is an institution responsible for processing and providing “Refill Cash” Revolving Credit and the related services. Customers can submit the application to OCBC Wing Hang Credit and through the branches of OCBC Wing Hang Bank Limited.

Customer agrees to accept the “Refill Cash” Revolving Credit Program and is bound by the terms and conditions of the above offer and any of its loan documents. OCBC Wing Hang Bank Limited and OCBC Wing Hang Credit reserve their absolute right of final decision on the interest rate, terms and conditions, approval of the loan and the above offers. OCBC Wing Hang Credit may refer to the credit report of customers. OCBC Wing Hang Bank Limited and OCBC Wing Hang Credit have the right to reject any applications of applicants and refuse to provide the above offers without giving any reason. At the same time, OCBC Wing Hang Bank Limited and OCBC Wing Hang Credit have the right to vary, terminate or cancel any and all of the above offers and the related terms and conditions from time to time without giving prior notice. In case of any dispute, the interpretation of OCBC Wing Hang Bank Limited and OCBC Wing Hang Credit shall be final and OCBC Wing Hang Bank Limited and OCBC Wing Hang Credit reserve the right of final decision.

The Chinese version is for reference only. In the event of any conflicts or discrepancies between the Chinese and English versions, the English version shall prevail.

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

For more details or enquiries, please visit our branches, or contact us.

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