| Residential & Carpark | Commercial | |
|---|---|---|
| Domestic Individual HSBC Mastercard or Visa cards | 1.8% | 1.98% |
| Domestic Individual HSBC UnionPay cards* | 0.8% | 0.98% |
| Domestic Individual Mastercard or Visa cards(non-HSBC) | 1.98% | 2.5% |
| Domestic Individual UnionPay cards(non-HSBC)* | 0.98% | 1.98% |
| Mainland China UnionPay cards* / International cards / Corporate cards / Apple Pay^ / Google Pay^ | 2.98% | |
| American Express | 3.5% | |
**Q: When should I pay the rent?**
A: In general, your landlord will receive your rent on the leasing effective day of each month. Please submit your application 7-10 days before the leasing effective date to ensure sufficient time to process transactions and deposits. We will review your application in 2 to 3 business days. Please note that some credit card rewards programs calculate eligible transactions based on the posting date. Kindly allow sufficient time for your transactions to be posted to avoid missing the calculation period for cashback or rewards.
**Q: What documents are needed for lease approval?**
A: You can provide the basic tenancy information, landlord's contact number and bank account, tenancy Agreement and stamp proof (or CR109), credit or debit card for approval purposes. Uploaded documents must clearly show the names of both parties, property address and lease period.
**Q: How long does it take for lease approval?**
A: Lease approval usually takes 2-3 working days. If there are any issues, we will contact you.
**Q: Which credit cards offer rewards for rent payments?**
A: You can refer to our Rewards Calculator HERE.
*The results are dependent on an online merchant simulation and displayed for reference only. You should contact your card issuer for confirmation.
**Q: What offers are available for HSBC credit cards?**
A: Keychain is a partner merchant under HSBC’s "Red Hot Rewards of Your Choice" program in the “Home” category. For offer details, please click HERE.
**Q: How many points can be accumulated?**
A: Transactions via Keychain (Keychain Pay) are classified as online spending by our partner, HSBC (Except for the HSBC Red Credit Card). However, the amount of points accumulated depends on the credit card you use. Please refer to your card issuer’s official website and terms for details.
**Q: How much rewards can I earn with my credit card or debit card?**
A: You can refer to our Rewards Calculator HERE.
*The results are dependent on an online merchant simulation and displayed for reference only. You should contact your card issuer for confirmation.
Example:
Rent: HKD 18,000
Payment card: HSBC Visa Signature Card, Transaction fee: 1.8% (HKD 324 total)
After registering for the “Red Hot Rewards of Your Choice” and allocating all extra RewardsCash allocated to Home category, you may earn at most 3.6% RewardCash.
●Reward earned: (18,000+18,000*1.8%) x 3.6% = $659
**Q: What are the benefits of paying rent with a credit card?**
A: Besides earning credit card points, you can also enjoy the interest-free repayment period provided by the bank, making your cash flow more abundant and daily expenses more flexible.
**Q: Do I need the landlord’s consent before using Keychain (Keychain Pay)?**
A: You do not need to disturb the landlord or get their consent beforehand. However, we recommend notifying the landlord after using Keychain (Keychain Pay) for the first time. If the landlord's email address is provided in your application, we will send an email notification to the landlord when the rent is transferred to his/her bank account.
**Q: Is there a rent limit?**
A: We do not set a maximum rent limit, but the amount payable is limited by the available credit limit or transaction limit of the credit card you use.
**Q: Can I pay management fees, electricity bills, water bills, or other expenses with a credit card?**
A: Currently, we only support rent payments. If your management fees, electricity bills, water bills, or other expenses are paid together with rent to your landlord, you may submit an application and we may be able to process it. Separate payments are not supported at this time. Thank you.
**Q: Can I use my partner's credit card to pay the rent?**
A: Generally, we recommend using the tenant's own credit card(s), but you can still submit the application with a different card combination. The outcome of the Smart Contract application is subject to the sole decision by AI and our company.
**Q: Are there transaction records?**
A: Our App will display your payment record with us. You may also download our receipt from the App, but kindly note that the deposit date will not be stated.
**Q: How to pay rent for Public Housing?**
A: Rent payment for Public Housing is supported on Mobile App and Web Portal. Monthly application is required. Please prepare your Electronic Payment Tenant Code and e-payment card.
**Q: Which cards can be used to pay public housing rent?**
A: Visa, Mastercard, Apple Pay, and Google Pay are accepted. Apple Pay and Google Pay are only applicable for rent below HKD 10,000 (excluding transaction fees). We currently do not support UnionPay, international credit cards, or American Express for public housing rent payments. Split payments are also not supported.
**Q: What should I do if the rent amount changes?**
A: Please adjust the rent amount in our Mobile App or Web App.
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## Related links
- Tenants (pay rent by credit card): https://www.keychainpay.com/en/tenants/
- Landlords (collect rent / cut arrears): https://www.keychainpay.com/en/landlords/
- HSBC credit card rent offers: https://www.keychainpay.com/en/promotion/hsbc/
- Traditional Chinese credit card rent guide: https://www.keychainpay.com/tc/信用卡交租/
- 繁體中文 FAQ: /faq_tc.md | AI index (EN): /llms.txt | AI index (繁中): /llms_tc.txt
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