Credit Cards

• Cash Instalment Program
• Purchase Instalment Program
• Merchants Interest-free Instalment Program

Cash Instalment Program

Do you have any study, home decoration, wedding, investment or travel plans? Apply for the Cash Instalment Program to get quick cash and make it happen now!

• Receive cash instalment amounts of up to 3 times your monthly salary.
• The approved amount will be deposited directly to your designated bank account within 4 working days!

 

Cash Instalment Amount	Instalment Tenor	Monthly Handling Fee	Annualised Percentage Rate ("APR")
HK$3,000 - HK$29,500	12 months 24 months	0.35%	7.94% 8.16%
HK$30,000 and up	12 months 24 months	0.28%	6.32% 6.51%

Notes:

1. The Annualized Percentage Rate (“APR”) of 0.28% monthly handling fee is 6.32% (12-month instalment) and 6.51% (24-month instalment) respectively. The APR of 0.35% monthly handling fee is 7.94% (12-month instalment) and 8.16% (24-month instalment) respectively.
2. The APR above is calculated based on the requirement of the Code of Banking Practice.
3. The APR is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualized rate.

Application Hotline: (852) 8206 8303

Reminders about Responsible Borrowing

• You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs.
• You should have assessed your repayment ability and avoid over-borrowing.
• You should repay any outstanding balance on time to avoid late payment charges and additional overdue interest charged by the bank.
• To borrow or not to borrow? Borrow only if you can repay!

In case you wish to enquire whether a third party is appointed by our Bank for referring credit card or loan application, please contact customer service hot line 2818 0282.