Shanghai Commercial Bank

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%
Any Spending	HK$30,000 or above	12 or 24 months	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.

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(852)2818 8236

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