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 6–60 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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Other ways to apply

Apply via the Reward+ app

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

See how to apply

Call us

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

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

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.

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

Extra cash and financial flexibility to realise your personal goals. Convert your available credit limit into instant cash or transfer the outstanding balance from other credit cards to your HSBC credit card account.

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.

Give yourself some flexibility with your spending

Monthly handling fee

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

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

Apply in just a few minutes on the HSBC HK App

Other ways to apply

Apply via the Reward+ app

Call us

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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Cash Instalment Plan

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Important information

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