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Convert your available credit limit into handy cash

Life is so much easier with an HSBC credit card. You can take care of all your financial needs like daily spending, paying your tax and even large expenses quickly and conveniently. With our Cash Instalment Plan, you can withdraw cash directly from your credit card and enjoy interest-free repayment periods of up to 60-month2 to reduce your interest expenses. Apply between 12 December 2018 and 21 February 2019 to receive extra spending credit.

  • Tax season offer - up to HK$500 spending credit1
  • Income proof submission - HK$300 spending credit1
  • Online application - up to HK$300 spending credit1
  • Call our application hotline or log on to HSBC Internet Banking to enquire your personalised monthly handling fee3 and annualised percentage rate
  • Same day disbursement4 upon approval

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

  • Apply online4
  • Call our Customer service officer assisted application hotline4,5 2233 3051
  • Download the application form, complete and return it to us by post with the required document(s)

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

Remarks

  1. Terms and conditions apply, please refer to Promotional Terms and Conditions for Cash Instalment Plan for details.
  2. 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.
  3. 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. 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.
  4. Applicable to applications of which the entire approved amount will be disbursed to a HSBC personal bank account.
  5. Service hours of the hotline: 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.

 

Promotional Terms and Conditions for Cash Instalment PlanPromotional Terms and Conditions for Cash Instalment Plan
  1. The promotional period is from 12 December 2018 to 21 February 2019, 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. Each Eligible Cardholder is eligible for each of the following offers once only during the Promotional Period.
  4. 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 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.
  5. Spending credit cannot be exchanged for cash, withdrawn as a cash advance and is not transferable.
  6. 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.
  7. 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.
  8. These terms and conditions are subject to prevailing regulatory requirements.
  9. These terms and conditions shall be construed and governed in accordance with the laws of the Hong Kong Special Administrative Region.
  10. 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 tax season offer only:

  1. For approved withdrawal amount from HK$150,000 to less than HK$300,000, the Eligible Cardholder is entitled to HK$200 spending credit. For approved withdrawal amount equal to or above HK$300,000, the Eligible Cardholder is entitled to HK$500 spending credit.

Applicable to income proof submission offer only:

  1. To be eligible for HK$300 spending credit, 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.

Applicable to online exclusive offer only:

  1. 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.

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: Y8-U8-CAMH4008

Last update on 12 December 2018

 

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