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Spending Instalment Plan

Turn your credit card transactions or statement balance into 6-60 monthly instalments

Give yourself some flexibility with your spending

Need to turn your spending into instalments you can repay over a longer period? Our Spending Instalment Plan lets you convert multiple credit card transactions into instalments you can repay over 6–60 months. 

  • Make repayments flexibly over 6 to 60 months
  • Combine multiple credit card transactions into a single instalment plan[@cards-promotionofspendinginstalment]
  • See your application status instantly[@usinghshcappapply], along with your monthly repayments and daily average handling fees

Monthly handling fee

As low as

0.18%[@cards-spendingmonthlyhandlingfee]

Enjoy a one-off handling fee as low as HKD50[@card-sip-red-card-offer]

Apply for a Spending Instalment Plan with your HSBC Red credit card via the HSBC HK Mobile Banking app or Reward+ app to enjoy a one-off handling fee as low as HKD50.T&Cs apply.

Apply via the HSBC HK App, the Reward+ app or by phone

Apply in just a few minutes on the HSBC HK App

See how you can apply for a Spending Instalment Plan on the HSBC HK Mobile Banking app and get approved instantly[@usinghshcappapply].

Other ways to apply

Apply via the Reward+ app

Learn how to apply via the Reward+ app and get approved instantly[@usinghshcappapply].

Call us

Call us at any time on (852) 2233 3052 Our application hotline is open 24/7.

Find out more

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Important information

To borrow or not to borrow? Borrow only if you can repay! T&Cs apply.