You can apply "U-Select" Purchase Instalment with accumulated credit card spending HK$1,000 or above. Monthly handling fee is as low as 0.28%!
You can even enjoy handling fee waiver for any air ticket booking, hotel accommodation, travel tour package and overseas spending!
Spending Type
Instalment Amount
Repayment Period
Monthly Handling Fee
Any Spending
HK$1,000 - HK$29,999
12 or 24 months
0.35%
HK$30,000 or above
0.28%
Travel Spending
HK$2,000 - HK$30,000
12 months
0%
Note:
0% monthly handling fee for travel spending is applicable to Titanium / Platinum cardholder only. If the instalment amount is over HK$30,000, handling fee will be charged to the instalment amount beyond HK$30,000.
Example: Assuming that the instalment amount is HK$30,000
Repayment Period
Instalment Amount
Monthly Instalment
Monthly Handling Fee
Monthly Repayment
12 Months
HK$30,000
HK$2,500
HK$84 (0.28%)
HK$2,500+HK$84 = HK$2,584
24 Months
HK$30,000
HK$1,250
HK$84 (0.28%)
HK$1,250+HK$84 = HK$1,334
Application Hotline:8206 8303
The Annualized Percentage Rate (APR) of 12 months instalment is 7.94% for monthly handling fee of 0.35%; The APR of 24 months instalment is 8.16% for monthly handling fee of 0.35%. The APR of 12 months instalment is 6.32% for monthly handling fee of 0.28%; The APR of 24 months instalment is 6.51% for monthly handling fee of 0.28%. Monthly handling fee is included in the calculation of APR. The APR is calculated based on the requirement of the Code of Banking Practices.