Spending Instalment Plan

HSBC HK
Credit Cards
Spending Instalment Plan

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 to 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]}

Apply now

Calculate your repayment This link will open in a new window

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].

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Things you should know

Apply now

Via HSBC HK App

If you have the HSBC HK App installed on your device and have set up mobile banking, you can complete your application in the app.

Apply now This link will open in a new window

Via the Reward+ app

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

See how to apply

By phone

Call us on our 24/7 application hotline to get started. (852) 2233 3052

Scan the QR code to open the HSBC HK App

Find out more

If you pay the amount back earlier than scheduled, you'll need to pay an early redemption penalty comprising of:

the outstanding monthly handling fees for the remaining period under the instalment plan
any applicable interest for the same period
an administration fee of HKD300

For HSBC Privé, the early repayment fee is waived.

Yes, you can choose to make an early repayment. However, you'll be charged an administration fee of HKD300 on top of the total outstanding monthly fee for your remaining instalments and any interest. So you should consider this option carefully before deciding to make an early repayment. For HSBC Privé, the early repayment fee is waived.

No, you won't be charged any interest if you repay the payment amount due on or before its due date each month. Otherwise, you'll be charged interest on all your outstanding balances based on the prevailing interest rate that applies to your credit card account.

Although you won't be charged any interest, you'll be charged a handling fee for your Spending Instalment Plan. You can call our 24/7 application hotline, or log on to HSBC HK App or Reward+ app to ask about your monthly handling fees.

See all FAQs

Enjoy up to 6 months handling fee rebate.

Lending to help you reach your financial goals and make the most of life.

Credit cards that let you make the most out of your money, no matter your lifestyle.

Important information

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

Key Facts Statement

Give yourself some flexibility with your spending

Monthly handling fee

Extra $200 RewardCash

From now until 30 June 2025, new HSBC credit card holder can enjoy an extra $200 RewardCash for a successful application for Spending Instalment Plan. 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

dpws-tools-calculator-creator

Things you should know

Apply now

Via HSBC HK App

Via the Reward+ app

By phone

Scan the QR code to open the HSBC HK App

Find out more

Product information

Fees and charges

Can I make an early repayment of my total outstanding amount?

Will I be charged any interest for my Spending Instalment Plan?

Will I need to provide transaction receipts or other supporting documents with my application?

What's the minimum amount that I can apply for?

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