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“HSBC. No.1 Buy Now Pay Later” takes the spotlight! We offer a variety of payment solutions that suit your every need and budget, including Interest-free Merchant Instalment, Spending Instalment, Cash-out Instalment, Instalment Loan, and Standby Credit.


Interest-free Merchant Instalment

Settle a transaction of HK$1,000 or above by Interest-free Merchant Instalment for the first time to earn an extra $100 RewardCash, with $0 interest and handling fee. Leverage instalment payments at over 4,500 popular hotspots and enjoy this plan also at our dining merchant partners as this is the first time that we extend the solution to restaurants. Explore the selected dining and more participating merchants via Reward+ now!

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Instalment Loan

Get additional cash at an Annualised Percentage Rate as low as 1.80% and up to HK$3,300 cash rebate.

Apply now

Spending Instalment

Apply for a 6-month Transaction Instalment with the amount of HK$1,000 or above for the first time via HSBC HK App or Reward+ to receive a full handling fee rebate of up to $300 RewardCash. Split your transaction anytime and anywhere with preferential handling fee.

Split now

Cash-out Instalment

Turn available card credit into additional cash while enjoying monthly handling fees as low as 0.16% and up to HK$1,100 spending credit.

Cash-out now

Standby Credit

Access to cash on demand while enjoying a full interest rebate on the first month and a 1.91% introductory APR for the next 2 months, and up to HK$200 cash rebate.

Apply now

Please refer to the respective offers for the promotion details and detailed terms and conditions.

  1. Interest-free merchant instalment plan offer only applies to cardholders who have not held any Interest-free Merchant Instalment Plans from 1 September 2021 to 31 August 2022.
  2. Spending instalment plan offer only applies to cardholders who have not held any Spending Instalment Plan at the time of applying for this promotion, and have not successfully applied for a Spending Instalment Plan from 1 January 2022.
  3. The 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.
  4. “Buy Now Pay Later” is a financial solution that allows you to make purchases and pay at a future date using credit card or personal loan. According to TransUnion Monthly Market Trend for Unsecured Lendings Report and TransUnion Monthly Market Trend for Credit Card Business Report in April 2022, HSBC is the retail bank holding the largest numbers of active Credit Card and Personal Loans account in Hong Kong.


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

Reference number: Y22-U8CAMH0105