With Cash Credit Plan, you can withdraw cash from the credit card account. No fixed repayment schedule and repayment amount2 allows you to enjoy extra financial flexibility. Apply between 2 August 2019 and 31 January 2020 to enjoy the following offers:

  • Preferential interest rate as low as 5.8% for first 180 days1
  • Interest calculated on daily basis
  • Same day disbursement3 upon approval
  • Credit limit will be restored automatically after repayment

It’s simple to apply. Apply now via the following channels:

Apply online
Call our customer service officer assisted application hotline 4 2233 3051
Call our customer service officer assisted application hotline 4 2233 3051
Download the application form, complete and return it to us by post with the required document(s)


Preferential interest rate as low as
5.8% for first 180 days1

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

 

Remarks Remarks
  1. The personalised preferential interest rate 5.8% is applicable to selected customers and is for reference only. The interest rate is to be determined by HSBC from time to time for individual promotion. The interest rate and annualised percentage rate (“APR”) differ depending on individual customer eligibility. Please call out hotline for the interest rate and the annualised percentage rate applicable to you. The APR for the preferential interest rate 5.8% is 5.96%. The APR is calculated based on the requirement of the Code of Banking Practice. APR is a reference rate which expresses the fees and charges of respective product as an annualized rate. By applying for this Cash Credit Plan regardless of the application approval result, the cardholder is deemed to have agreed that HSBC may increase the credit limit of the cardholder’s designated HSBC credit card account subject to the requested amount. HSBC will notify the cardholder of the application approval result of this plan and credit limit adjustment (if applicable) by mail. HSBC has the final decision on the final approved withdrawal amount and the credit limit adjustment of the cardholder’s designated HSBC credit card account.
  2. Monthly repayment amount can be as low as the minimum payment of credit card monthly statement. If no spending or transaction other than the Cash Credit Plan is billed, cardholder is only required to settle the monthly minimum payment shown on statement. Monthly minimum payment includes total fees and charges currently billed to the credit card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date (minimum HK$50), plus amount overdue or overlimit due whichever is higher.
  3. Only applicable to applications for the transfer of the entire approved amount to the cardholders’ HSBC personal bank account.
  4. Service hours of the hotline : Monday to Friday: 9 am - 8 pm; Saturday: 9 am - 5 pm. Except public holidays.

Terms and Conditions of Cash Credit Plan

Key Facts Statement of Cash Credit Plan

 

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

Reference number: Y9-U8-CAMH4605

Last update on 2 August 2019

 

 

Promotional Terms and Conditions for Cash Credit PlanPromotional Terms and Conditions for Cash Credit Plan
  1. The promotional period is from 15 June 2018 to 26 July 2018, both dates inclusive (“Promotional Period”).
  2. A customer who submits an application for the Cash Credit 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 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 Credit Plan before the spending credit fulfilment, no spending credit will be offered. If an Eligible Cardholder cancels the Cash Credit 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 arising out of the offers.
  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 Income Proof Submission Offer (“Document Submission Offer”) only:

  1. To be eligible for HK$500 spending credit under the Document Submission Offer, an Eligible Cardholder must successfully apply for the Cash Credit 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.
  2. 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:

  1. To be eligible for the Online Exclusive Offer, an Eligible Cardholder must apply for the Cash Credit 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.
  2. Each Eligible Cardholder is entitled to the Online Exclusive Offer once only during the Promotional Period.

Terms and Conditions of Cash Credit Plan

Key Facts Statement of Cash Credit Plan

 

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

Reference number: Y8-U8-CAMH4603

Last update on 6 September 2018