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Today, face life's hiccups with ease
HSBC's Revolving Credit Facility, the easy way to deal with the unexpected

Our revolving credit facility offers you readily available cash with unparalleled flexibility! Hassle-free application allows you to enjoy instant cash with 5-minute1 approval. There is no handling fee, so you only need to pay interest on what you have used according to your preferred repayment periods and amount*. Better still, your credit limit will be restored automatically after each repayment, without the need to re-apply.

Apply from 15 June 2016 to 31 January 2017 to enjoy:
  • 5-minute approval1. No income proof is required if you have maintained an auto payroll account with HSBC for one month or above4
  • Instant cash withdrawal from over 1,000 HSBC's ATMs and branches
  • Simple application by telephone or online - submit supporting document(s) online

* Minimum of 2.5% of the outstanding amount or HK$50, whichever is higher.
An annual fee of 1% of approved credit limit per annum shall apply (up to a maximum of HK$1,000), subject to a first-year annual fee waiver.

Call   2748 80805
Click  www.hsbc.com.hk/loan6



HSBC's Revolving Credit Facility Interest Rate Table

Remarks of the Interest Rate Table:

  • The interest rate table listed above applies to customers who open a Revolving Credit Facility account during the promotional period from 15 June 2016 to 31 January 2017 (both dates inclusive).
  • For the first 3 months' introductory rate period, introductory rate is 1.90% p.a. and Annualised Percentage Rate (APR) is 1.91% for all approved credit limit. "First 3 months' introductory rate period" refers to the period from the date of loan disbursement to the third statement date of the respective account (both dates inclusive). The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Association of Banks, and is rounded up or down to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate.
  • The Annualised Percentage Rates (APR) in parentheses are calculated using method specified in relevant guidelines issued by the Hong Kong Association of Banks and are for reference only. The APR calculation excludes the first-year annual fee and is rounded up or down to the nearest two decimal places. The APR is calculated based on middle value credit limit of HK$10,000, HK$32,500, HK$125,000, HK$350,000 and HK$750,000. Please note that the actual APR applicable may differ, customers can refer to the loan confirmation letter for actual related information.

Promotional Terms and Conditions

  1. The promotional period commences on 15 June 2016 and expires on 31 January 2017, both dates inclusive (the "Promotional Period").
  2. A Customer who successfully applies for a Revolving Credit Facility ("Loan") during the Promotional Period shall, subject to the terms herein, be eligible for the applicable promotional interest rate and a first-year annual fee waiver.
  3. The Hongkong and Shanghai Banking Corporation Limited, Hong Kong ( and its successors and assigns)(the "Bank") reserves the right to amend these Terms and Conditions at any time with appropriate notice.
  4. Employees of the Bank and other members of the HSBC Group are not eligible for this promotion.
  5. In case of any dispute, the decision of the Bank shall be final and conclusive.
  6. In case of any discrepancy between the English and Chinese versions of these Terms and Conditions, the English version shall apply and prevail.
  7. All the Terms and Conditions listed above are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
  8. These Terms and Conditions are subject to prevailing regulatory requirements.
  9. No person other than the customer and the Bank will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these Terms and Conditions.

Online Exclusive Offer Terms and Conditions

  1. The promotional period commences on 15 June 2016 and expires on 31 January 2017, both dates inclusive (the "Promotional Period").
  2. To be eligible for HK$200 cash rebate ("Cash Rebate"), customer must apply for and draw down the Loan via The Hongkong and Shanghai Banking Corporation Limited, Hong Kong ( and its successors and assigns)(the "Bank") website www.hsbc.com.hk or HSBC Internet Banking during the Promotional Period ("Eligible Customer"); and with a Loan amount of HK$60,000 or above.
  3. Each Eligible Customer is entitled to the Cash Rebate once only under this promotion.
  4. The Cash Rebate will be credited to each Eligible Customer's Loan repayment account within 5 months after Loan draw down (the "Credit Date") without further notice.
  5. Eligible Customers who close their new Loan accounts or Loan repayment accounts on or before the Credit Date will not be eligible for any Cash Rebate.
  6. The Bank reserves the right to amend these Terms and Conditions at any time with appropriate notice.
  7. Employees of the Bank and other members of the HSBC Group are not eligible for this promotion.
  8. In case of any dispute, the decision of the Bank shall be final and conclusive.
  9. In case of any discrepancy between the English and Chinese versions of these Terms and Conditions, the English version shall apply and prevail.
  10. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
  11. These Terms and Conditions are subject to prevailing regulatory requirements.
  12. No person other than the customer and the Bank will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these Terms and Conditions.

Remarks:

  1. Loan applications have to be submitted during the Bank's service hours (Mon - Fri: 9am - 8pm, Sat: 9am - 1pm, except public holidays, or individual branch's opening hours) with all required information (including without limitation a valid HSBC account number) and documents. Actual turnaround time starts at the moment when all the required information is successfully input into the Bank's application evaluation system. Longer processing time may in some cases be required depending on the actual circumstances of individual applications. Once your loan application is approved, the loan amount (exclusive of the annual service fee, if applicable) will be credited directly to your designated HSBC account without prior notice. Interest will be calculated once the loan amount is credited to your designated account.
  2. Please refer to the interest rate table for respective APRs.
  3. Only applicable to successful loan applicants via HSBC website www.hsbc.com.hk or HSBC Internet Banking with an approved loan amount of HK$60,000 or above. Please refer to Online Exclusive Offer Terms and Conditions for details.
  4. For irregular income earners (including customers working on a part-time, commission or profit-sharing basis, contractors, independent contractors or freelance), no income proof is required if they have maintained an auto payroll account with HSBC for at least 3 months.
  5. Hotline business hours: Monday to Friday: 9am - 10pm; Saturday: 9am - 6pm. Except public holidays.
  6. Visit our website www.hsbc.com.hk/loan and logon to HSBC Personal Internet Banking to apply online. If you are not a current HSBC Personal Internet Banking user, you can register instantly to access to Internet Banking services.

Click here for key facts statement

Click here for Revolving Credit Facility Terms and Conditions

Click here for Notice relating to the Personal Data (Privacy) Ordinance

Reference number:Y6-U2-LRCF62