繁體 简体 Close
HSBC
Credit Card Repayment Calculator
Please input the credit card outstanding balance amount and monthly interest rate applicable to the credit card account to understand more about your total repayment under the circumstance that only Minimum Payment Due is paid per statement month or you wish to settle the total balance in 3 years.

What is the outstanding balance1?
What is the monthly interest rate2? %
Credit Card Repayment Information
If you make no additional charges, purchases and cash advances on this card and each month you pay ... You will pay off the
outstanding balance1 of
And you will end up paying an estimated total of ...
Only Minimum Payment Due Years3 4
5 3 Years3 4
(Saving: )6
 
1 The outstanding balance is accrued from purchase only.
2 The prevailing monthly interest rate is 2.625%. If you enter 2.625%, the calculator will be calculating on the basis that the finance charge will accrue daily and be calculated at a prevailing interest rate of 2.625% per month (equivalent to an annualised percentage rate (APR) of up to 36.43% on purchase and 37.75% on cash advance, inclusive of handling fee and cash advance fee). The APR is calculated based on a set of assumptions as set out in the relevant guidelines as referred to in the Code of Banking Practice and the actual APR applied may be different. US$ Visa Gold Card requires payment of the statement balance in full and the APR (calculated by assuming only 1% of the current balance plus the total fees and charges currently billed to the card statement are settled each month) is just for reference. You may click here for Bank tariff guide for HSBC Retail Banking and Wealth Management Customers to understand details of finance charge.
3 Assume repayment is made on or before the payment due date of each statement month.
4 Include the outstanding balance specified and the total finance charge.
5 You will need to pay this monthly repayment amount or the Minimum Payment Due of the respective account, whichever is higher.
6 The saving amount is the total repayment amount of which only the amount of Minimum Payment Due is paid in each month less the total repayment amount of all outstanding balance paid in 3 years.

Note: The calculator and the derived results are for reference only. Cardholders should refer to their credit card monthly statements for detailed account information and make payment accordingly.