ZA Credit: Max out your stock/guaranteed rebate with credit spending
Been wishing you could pay with credit when using your ZA Card? Your wish is our command! Activate ZA Credit and unlock a whole new level of spending flexibility!
🤔 What's ZA Credit?
ZA Credit is another way1 to pay with your ZA Card. Activate it and you can spend on credit with up to 56 days interest-free2.
🤑 Your reward, your choice!
Your ZA Card already rewards you with StockBack3 or PowerDraw4. And yes, ZA Credit sweetens the deal even more!
With ZA Credit, get an extra 0.5% stock rebate5,7 or a 1% guaranteed rebate6,7 on eligible purchases based on your chosen rebate program. Total steal!
First-time activation perk 🎁
Plus, after activation, grab your reward on ZA Quest8—no spending required!
👣 How do I activate ZA Credit?
1. Log into the ZA Bank App and tap “Account”
2. Tap "View" on the ZA Credit banner
3. Fill in the form and submit!
Ready for smarter ZA Card spending? Log into the ZA Bank App and activate ZA Credit now!
FAQs 💭
1. Can I waive the ZA Credit annual fee?
The first year is free! After that, as long as you don't have overdue loans with ZA Bank, just go to our online chat and type "annual fee", and apply for a waiver!
2. Can I switch between rebate programs?
Feel free to switch anytime! Just remember there's a monthly spending cap for rebates7, and it's shared across both programs. Switching won't reset the cap.
3. Can I suspend ZA Credit?
Sure! Tap "…" at the top right of the ZA Credit page and tap "Suspend credit limit service". Then, your ZA Card transactions will be settled with your HKD account balance.
Please note that an annual fee will be applied starting from the second year. But no stress—just type "annual fee" in online chat anytime to apply for a waiver!
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1. ZA Credit is a revolving loan which can be used for retail purchase with ZA Card. A user can choose to settle ZA Card transactions with ZA Credit or HKD savings account balance. If a user chooses to pay with ZA Credit and the available credit limit of ZA Credit is insufficient for paying the entire transaction amount, or cannot be used, the transaction will be settled with the HKD savings account balance.
2. The longest period between the date of the transaction with ZA Credit and the next payment due date of ZA Credit is 56 days.
3. “StockBack x ZA Card” Promotion: The promotion period is from 3 November 2025 to 30 June 2026, both dates inclusive. Each eligible transaction with the transaction amount of not less than HKD 10 by participants who use ZA Card with the savings account balance to spend during the promotion period will be entitled to one (1) StockBack Chance, and will not be entitled to any rewards of other ZA Card promotions that involve ZA Coin. All StockBack Chances will be valid for 48 hours. For each StockBack Chance, participants can select one of the six (6) stocks on the StockBack machine on the campaign page as their stock rebate (“StockBack Rewards”), and the amount of reward will be 1% of the transaction amount or a higher rebate amount under limited-time promotions launched by ZA Bank from time to time. Participants must hold a valid investment account and have activated the corresponding investment trading services within 90 calendar days after selecting the StockBack Rewards in order to obtain ownership of and receive the rewards. Otherwise, the rewards will be forfeited and deemed as waived, and ZA Bank will not reissue the rewards. “StockBack x ZA Card” Promotion is subject to its terms and conditions.
4. “PowerDraw x ZA Card” Promotion: Each eligible transaction of no less than HKD 10 will be entitled to 1 PowerDraw Chance ("Chance") and will not be entitled to any rewards of other ZA Card promotions that involve ZA Coin. All Chances are valid for 48 hours. Each Chance may give a rebate of up to 200% of the transaction amount or other designated rewards. The probability of each reward is not evenly distributed. The rebate will be in the form of ZA Coin. ZA Coin is a third-party reward scheme operated by ZA International Financial Services Limited. The rebate is capped at 1,000,000 ZA Coins (or HKD 10,000) per transaction. Terms and conditions apply.
5. From now until 28 February 2026, users who select StockBack x ZA Card as their rebate program will earn 1 StockBack chance for each eligible spending of HKD 10 or more made with ZA Credit. Each chance is valid for 48 hours and provides an extra 0.5% rebate. Terms & conditions apply.
6. From now until 28 February 2026, users who select PowerDraw x ZA Card as their rebate program will earn 1 PowerDraw Chance for each eligible spending of HKD 10 or more made with ZA Credit. Each chance is valid for 48 hours and provides a rebate ranging from 1% to 200% of the transaction amount. The rebates are issued in the form of ZA Coin (a third-party reward scheme operated by ZA International Financial Services Limited). Terms & conditions apply.
7. Extra stock rebates from StockBack x ZA Card and guaranteed rebates from PowerDraw x ZA Card will be awarded on the first HKD 33,334 of eligible transactions in total per calendar month. If a single eligible transaction exceeds the monthly transaction cap, the entire eligible transaction will not give any extra stock rebate or 1% guaranteed rebate. Users may switch their rebate program at any time; however, switching programs will not reset the monthly transaction cap.
8. After the successful ZA Credit activation from now until 28 February 2026 (both dates inclusive), when users activate ZA Credit for the first time, they will receive one USD 6.5 Designated US Stock Redemption Coupon if their selected rebate program at that time is StockBack x ZA Card or 5,000 ZA Coins (a third-party reward scheme operated by ZA International Financial Services Limited) if their selected rebate program at that time is PowerDraw x ZA Card. Users can log into the ZA Bank App > the Explore tab > ZA Quest and claim the reward within 7 days upon activation. For the redeemable stocks, amount and validity period, please refer to the coupon details of the designated U.S. stock redemption coupon. Users should pay attention to the name and code of their redeemable stocks, the trading status (US stock market opening status/stock trading status), the redeemable amount, the redemption deadline, Disclosure of transaction-related information, and Terms and Conditions for Investment. The Designated Stock Redemption Coupon is subject to its terms and conditions. ZA Quest is subject to its terms and conditions.
Important risk statement: Investment involves risks. The price of stocks may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with risk disclosure statements before making any investment decisions. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. The platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer.
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