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HSBC's Spending Instalment Plan lets you choose from a range of repayment options tailored to your lifestyle

HSBC Credit Card’s Spending Instalment Plan1 allows you to settle your credit card spending or whole statement balance with a choice of 6, 12, 18 or 24 monthly instalments, making repayment easier for spending of HKD1,000 or more.

  • Repayment is more flexible when you combine multiple transactions or transfer your whole statement balance into one instalment plan1
  • Please call 2233 3052 to enquire your monthly handling fee2 and annualised percentage rate

Act now! Apply on or before 31 December 2017 via:
  • Customer service officer assisted application hotline3 2233 3052 or
Apply online
To borrow or not to borrow? Borrow only if you can repay!

Remarks:

1. The promotional period is from 30 June to 31 December 2017, both dates inclusive. The Spending Instalment Plan is only eligible for posted purchase transactions of the current card statement during the promotional period. Other transactions, including but without limitation, cash advances, instalment plans, Octopus AAVS, all fees and charges, withdrawal amount under the Cash Instalment Plan and casino transactions will not qualify. The purchase transactions of a primary card account cannot be combined with that of an additional card account for application.
2. The highest annualised percentage rate is 7.40% (calculated based on 6 months repayment period); 7.94% (calculated based on 12 months repayment period); 8.10% (calculated based on 18 months repayment period); 8.16% (calculated based on 24 months repayment period). The monthly handling fee and annualised percentage rate differ depending on individual customer eligibility. Please call us on 2233 3052 to enquire your monthly handling fee and annualised percentage rate. 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$10,420 based on HK$10,000 approved amount and 12 months repayment period.
3. Business hours: Monday to Friday: 9 am - 8 pm; Saturday: 9 am - 5 pm. Except public holidays. 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 Spending Instalment Plan 

Reference number: Y7-U8-CAMH4102

Last updated on 30 June 2017