繁體 简体 Close
 HSBC Credit Card’s Spending Instalment Plan
HSBC Credit Card’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 from 6 to 60 monthly instalments2, making repayment easier for spending of HKD1,000 or more.
  • Monthly handling fee as low as 0.18%3
  • Enjoy up to HKD200 spending credit when you successfully apply4
  • 3-month handling fee rebate for instalment plan made for transactions of designated merchants4
Apply online or via 1-minute approval hotline5 2233 3052 by 30 July 2018.
Monthly handling fee as low as 0.18% and Apply successfully to enjoy up to HKD200 spending credit

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

Remarks:

  1. The promotional period is from 1 February 2018 to 30 July 2018, both dates inclusive. The Spending Instalment Plan is only applicable to posted purchase transactions billed on the current statement and unbilled purchase transactions during the promotional period, i.e. previous purchase transactions are not eligible to be settled under the Spending Instalment Plan. Other transactions, including but without limitation, cash advances, instalment plans, Octopus AAVS, all fees and charges, withdrawal amount under the Cash Instalment Plan, casino transactions, purchase and/or reload of stored value cards or e-Wallets, transaction at non-financial institutions (including purchase of foreign currency, money orders and travellers cheques), transaction at financial institutions (including purchase of merchandise and services from banks) and wire transfer will not quality. Cardholder must apply for Spending Instalment Plan at least 5 working days before the payment due date of the relevant purchase.
  2. Cardholder can opt for 6, 12, 18, 24, 30, 36, 42, 48, 54 or 60-month instalment plan.
  3. It is applicable for instalment amount of HKD50,000 or above. The highest annualised percentage rate is 3.76% (calculated based on 6 months repayment period); 4.04% (calculated based on 12 months repayment period); 4.13% (calculated based on 18 months repayment period); 4.17% (calculated based on 24 months repayment period) ; 4.19% (calculated based on 30 months repayment period) ; 4.20% (calculated based on 36 months repayment period) ; 4.20% (calculated based on 42 months repayment period) ; 4.20% (calculated based on 48 months repayment period) ; 4.20% (calculated based on 54 months repayment period) ; 4.19% (calculated based on 60 months repayment period). The handling fee and annualised percentage rate differ depending on individual customer eligibility. The handling fee rate offered to a cardholder or additional cardholder under different card accounts or primary card accounts may not be the same. Please call us on 2233 3052 to enquire your 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 HKD51,080 based on HKD50,000 instalment amount and 12 months instalment plan.
  4. Terms and conditions apply, please refer to Promotional Terms and Conditions for Spending Instalment Plan for details.
  5. Processing time may vary. 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.
1. The promotional period is from 1 February 2018 to 30 July 2018, both dates inclusive (“Promotional Period”).
2. A customer who submits an application for the Spending Instalment Plan to The Hongkong and Shanghai Banking Corporation Limited, Hong Kong (and its successors and assigns) (the “HSBC”) with successful approval and has fulfilled the specified requirements mentioned below during the Promotional Period is eligible for the offer, in the form of spending credit (the “Spending Credit”), under this promotion (each an “Eligible Cardholder”).
3. The Spending Credit will be credited to an Eligible Cardholder’s HSBC designated credit card account within 3 months from the approval date. If an Eligible Cardholder makes early repayment of the approved instalment amount or cancels the Spending Instalment Plan before the spending credit fulfilment, no Spending Credit will be offered. If an Eligible Cardholder makes early repayment of the approved instalment amount or cancels the Spending Instalment Plan after the spending credit fulfilment, HSBC reserves the right to debit the relevant 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/Spending Credit, and has the final decision on all matters and disputes arising out of the offers/Spending Credit.
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 Instalment Plan Offer (“Instalment Plan Offer”) only:
10. To be eligible for Instalment Plan Offer, an Eligible Cardholder must have successfully applied for the Spending Instalment Plan with minimum approved instalment amount of HKD30,000 during the Promotional Period.
11. Approved instalment plan with tenor of 36-42 months and 48-60 months is entitled to HKD100 and HKD200 Spending Credit respectively.
Applicable to 3-month Handling Fee Rebate Offer (“3-month Handling Fee Rebate Offer”) only:
12. To be eligible for 3-month Handling Fee Rebate Offer, an Eligible Cardholder must have successfully applied for the Spending Instalment Plan for transactions made at designated merchants (“Designated Merchants”) during 1 February 2018 - 31 January 2019 (both dates inclusive).
13. Each Eligible Cardholder will be entitled to the 3-month Handling Fee Rebate once only during each of the period of 1 February 2018 - 31 May 2018, 1 June 2018 - 30 September 2018 and 1 October 2018 - 31 January 2019.
14. Designated Merchants include MediFast (Hong Kong ) Ltd., The One Ophthalmology & Optometry Centre, Mobile Medical & Health Check Centre Ltd., Vio & Partners, Harmonic Health Medical Centre, Shiny Health Medical Services, UMP Medical Centre, Hong Kong Health Check and Medical Diagnostic Centre, Haven of Hope Christian Service, St. Paul's Hospital and Evangel Hospital.

Reference number: Y8-U8-CAMH4101

Last update on 1 February 2018