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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. Enjoy up to 3 months of handling fee rebate* and Apply online to enjoy spending credit up to HK$500*

  • Choose a repayment period of between 12 and 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
  • Enjoy handling fee rebate for up to 3 months*
  • Submit income proof copy to enjoy HK$200 spending credit*
  • Apply online to enjoy up to HK$300 spending credit*

Apply online**:

Existing HSBC Internet Banking customers    Other customers


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.

To borrow or not to borrow? Borrow only if you can repay!

Remarks:

* For details, please refer to Promotional Terms and Conditions for Cash Instalment Plan.
Options of 12, 18, 24, 30, 36, 42, 48, 54, 60 months tenor are available. Please log on to HSBC Internet Banking or call our hotline for details on other repayment periods.
The highest annualised percentage rate is 10.98% (calculated based on 12 months repayment period); 11.18% (calculated based on 18 months repayment period); 11.24% (calculated based on 24 months repayment period); 11.23% (calculated based on 30 months repayment period); 11.20% (calculated based on 36 months repayment period); 11.15% (calculated based on 42 months repayment period); 11.09% (calculated based on 48 months repayment period); 11.03% (calculated based on 54 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.
†† 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 and document(s) 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.

Promotional Terms and Conditions for Cash Instalment Plan 
1. The promotional period is from 9 August to 12 September 2017, both dates inclusive (“Promotional Period”).
2. A customer who submits an application for the Cash Instalment Plan to The Hongkong and Shanghai Banking Corporation Limited, Hong Kong (and its successors and assigns) (the “HSBC”) with successful approval during the Promotional Period and fulfils the specified requirements mentioned below is eligible for the offers under this promotion (each an “Eligible Cardholder”).
3. Spending credit will be credited to an Eligible Cardholder’s HSBC designated 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.
4. Spending credit cannot be exchanged for cash, withdrawn as a cash advance and is not transferable.
5. No person other than the Eligible 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.
6. HSBC reserves the right to amend these terms and conditions or terminate/suspend the offers, and has the final decision on all matters and disputes.
7. These terms and conditions are subject to prevailing regulatory requirements.
8. These terms and conditions shall be construed and governed in accordance with the laws of the Hong Kong Special Administrative Region.
9. 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.

Applicable to Monthly Handling Fee Rebate Offer (“Handling Fee Rebate Offer”) only:
10. To be eligible for Handling Fee Rebate Offer, an Eligible Cardholder must successfully apply for the Cash Instalment Plan with minimum approved withdrawal amount of HK$60,000 during the Promotional Period.
11. The number of months of handling fee rebate depends on the approved tenor, as set out in the below table:
Approved Tenor 36 months 42 or 48 months 54 or 60 months
Eligible rebate amount 1 month of handling fee 2 months of handling fee 3 months of handling fee
12. Rebate amount will be credited in the form of spending credit.
13. The offer cannot be used in conjunction with any other promotional offers (except for the Document Submission Offer and Online Exclusive Offer mentioned in these Promotional Terms and Conditions).
14. Each Eligible Cardholder is entitled to a maximum of HK$5,000 spending credit under the Handling Fee Rebate Offer during the Promotional Period.

Applicable to Income Proof Submission Offer (“Document Submission Offer”) only:
15. To be eligible for HK$200 spending credit under the Document Submission Offer, an Eligible Cardholder must successfully apply for the Cash Instalment Plan with minimum approved withdrawal amount of HK$40,000 and submit valid copy(ies) of income proof required by HSBC during the Promotional Period.
16. Each Eligible Cardholder is entitled to the Document Submission Offer once only during the Promotional Period.

Applicable to Online Exclusive Offer (“Online Exclusive Offer”) only:
17. To be eligible for the Online Exclusive Offer, an Eligible Cardholder must apply for the Cash Instalment Plan via the website of HSBC with successful approval during the Promotional Period. For approved withdrawal amount from HK$60,000 to less than HK$100,000, the Eligible Cardholder is entitled to HK$100 spending credit. For approved withdrawal amount from HK$100,000 to less than HK$200,000, the Eligible Cardholder is entitled to HK$200 spending credit. For approved withdrawal amount equal to or above HK$200,000, the Eligible Cardholder is entitled to HK$300 spending credit.
18. Each Eligible Cardholder is entitled to the Online Exclusive Offer once only during the Promotional Period.

Terms and Conditions of Cash Instalment Plan 

Key Facts Statement of Cash Instalment Plan 

Steps for online application 

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

Reference number: Y7-U8-CAMH4005

Last updated on 9 August 2017