Your HSBC credit card not only makes daily spending easy, it can also take care of your financial needs. Apply our Cash Instalment Plan between 26 June 2019 and 1 August 2019 to withdraw cash directly from the card or repay the outstanding balances of other credit cards with interest-free repayment periods of up to 60-month2 to reduce your interest expenses.


Personalised
monthly handling
fee as low as
0.15%1

Successful
application-
up to HK$700
spending credit3

Online application-
up to HK$300
spending credit3

Personalised
monthly handling
fee as low as
0.15%1

Successful
application-
up to HK$700
spending credit3

Online application-
up to HK$300
spending credit3
  • HK$300 spending credit for income proof submission3
  • Call our application hotline or log on to HSBC Internet Banking to enquire your personalised monthly handling fee1 and annualised percentage rate
  • Same day disbursement4 upon approval

Want to know the monthly repayment and other details of your Cash Instalment Plan?

Repayment Calculator

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)

Monthly handling fee as low as

0.15%1           

APPLY NOW

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

 

RemarksRemarks
  1. The 0.15% personalised monthly handling fee is applicable to selected customers and the approved withdrawal amount has to reach the specific requirement, and is for reference only. The handling fee is to be determined by HSBC from time to time for individual promotion. The annualised percentage rate(“APR”) of 0.15% monthly handling fee are as follows: 3.36% for 12 months, 3.44% for 18 months, 3.47% for 24 months, 3.49% for 30 months, 3.50% for 36 months, 3.50% for 42 months, 3.50% for 48 months, 3.50% for 54 months, 3.50% for 60 months. 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. 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 HKD2,000 and the maximum withdrawal amount is 100% of the credit limit of the cardholder's designated HSBC credit card account.
  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. Terms and conditions apply, please refer to Promotional Terms and Conditions for Cash Instalment Plan for details.
  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.
Promotional Terms and Conditions for Cash Instalment PlanPromotional Terms and Conditions for Cash Instalment Plan
  1. The promotional period is from 26 June 2019 to 1 August 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 successful application offer only:

  1. To be eligible for the spending credit offer, Eligible Cardholders must successfully apply for the Cash Instalment Plan during the promotional period. For approved withdrawal amount from HK$30,000 to less than HK$150,000, the Eligible Cardholder is entitled to HK$200 spending credit. For approved withdrawal amount from HK$150,000 to less than HK$300,000, the Eligible Cardholder is entitled to HK$400 spending credit. For approved withdrawal amount equal to or above HK$300,000, the Eligible Cardholder is entitled to HK$700 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$30,000 and submit valid copy(ies) of income proof required by HSBC during the Promotional Period.

Applicable to online application offer only:

  1. To be eligible for the online application 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: Y9-U8-CAMH4004

Last update on 26 June 2019