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HSBC’s Cash Instalment Plan lets you easily withdraw cash, anytime, anywhere

In addition to using your credit card for daily spending, you can also convert your available credit limit into handy cash with our Cash Instalment Plan. You can withdraw cash directly from your HSBC credit card account, or repay the outstanding balances of other credit cards and reduce interest expenses. Apply now to enjoy the following offers. Apply online to enjoy spending credit up to HK$300*

  • Repayment periods of 12, 24, 36, 48 or 60 months
  • Call our application hotline or log on to HSBC Internet Banking to enquire your personalised monthly handling fee and annualised percentage rate
  • Same day disbursement upon approval
  • Fixed monthly repayment amount for better financial planning
  • Flexible cash withdrawal options for your varying needs, e.g. travelling, getting married, becoming a parent, or renovating your apartment
  • Apply online to enjoy up to HK$300 spending credit*

Apply online:

HSBC Internet Banking users    Other users


Other application channels:
  • Call our 5-minute approval hotline¶, ** 2233 3051
  • Download the application form, complete and return it to us by post with the required document(s)

HSBC Credit Card. The One Card for Home and Away.


Remarks:

* For details, please refer to Terms and Conditions for Online Exclusive Offer.
The highest annualised percentage rate is 10.98% (calculated based on 12 months repayment period); 11.24% (calculated based on 24 months repayment period); 11.20% (calculated based on 36 months repayment period); 11.09% (calculated based on 48 months repayment period); 10.96% (calculated based on 60 months repayment period) based on HK$10,000 withdrawal amount. The annualised percentage rate ("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. As an illustration, total repayment amount is HK$10,576 based on HK$10,000 withdrawal amount and 12 months repayment period. Terms and conditions apply. Please refer to the terms and conditions below. The monthly handling fee and annualised percentage rate differ depending on individual customer eligibility. Please call our application hotline or log on to HSBC Internet Banking to enquire your monthly handling fee and annualised percentage rate. The minimum withdrawal amount is HK$2,000 and the maximum withdrawal amount may be up to 100% of the approved credit limit of the cardholder's designated HSBC credit card account.
Applicable to applications of which the entire approved amount will be disbursed to a HSBC personal bank account.
Only applicable to applications for the transfer of the withdrawal amount from designated HSBC credit card account to the cardholder's designated HSBC personal bank account and no document is required.
** Service hours of the approval hotline: Monday to Friday: 9 am - 8 pm; Saturday: 9 am - 5 pm. Except public holidays. Customers should submit the applications and provide all required information within our service hours. The counting of processing lead time starts upon customer information is entered into the application evaluation system by HSBC. Processing time may vary from case to case depending on the actual circumstances of individual application. The remuneration for sales staff is determined based on the staff's overall performance with reference to a wide range of factors, and is subject to review from time to time, for the purpose of encouraging the building of deep, long-lasting and mutually valuable relationships with customers. It is not determined solely on financial performance.

Terms and Conditions for Online Exclusive Offer:

1. The promotional period is from 16 February to 30 March 2017, both dates inclusive ("Promotional Period").
2. To be eligible for the spending credit offer, cardholder must apply for the Cash Instalment Plan via the website of The Hongkong and Shanghai Banking Corporation Limited, Hong Kong (and its successors and assigns) ("HSBC") during the Promotional Period. For approved withdrawal amount from HK$60,000 to less than HK$100,000, the cardholder is entitled to HK$100 spending credit. For approved withdrawal amount from HK$100,000 to less than HK$200,000, the cardholder is entitled to HK$200 spending credit. For approved withdrawal amount equal to or above HK$200,000, the cardholder is entitled to HK$300 spending credit.
3. Each eligible cardholder is entitled to the spending credit offer once only during the Promotional Period.
4. Spending credit will be credited to the eligible cardholder's designated HSBC credit card account within 3 months from the transfer date. If an eligible cardholder makes early repayment of the withdrawal amount or cancels the Cash Instalment Plan before the spending credit fulfilment, no spending credit will be offered. If an eligible cardholder makes early repayment of the withdrawal amount or cancels the Cash Instalment Plan after the spending credit fulfilment, HSBC reserves the right to debit the same spending credit amount from the eligible cardholder's designated HSBC credit card account.
5. Spending credit cannot be exchanged for cash, withdrawn as a cash advance and is not transferable.
6. No person other than the cardholder and HSBC 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.
7. HSBC reserves the right to amend the Online Exclusive Offer and its terms and conditions or terminate/suspend the Online Exclusive Offer, and has the final decision on all matters and disputes.
8. These terms and conditions are subject to prevailing regulatory requirements.
9. These terms and conditions shall be construed and governed in accordance with the laws of the Hong Kong Special Administrative Region.
10. In the event of any discrepancy or inconsistency between the English version and the Chinese version of these terms and conditions, the English version shall apply and prevail.

Terms and Conditions of Cash Instalment Plan 

Key Facts Statement of Cash Instalment Plan 

For any enquiries, please call our Credit Card Offers Hotline on 2748 8033.

Reference number: Y7-U8-CAMH4001

Last updated on 16 February 2017