Pay by instalments for your spending while earning rewards
Take the stress out of big purchases with our merchant instalment plan, designed for smart spenders who value flexibility and transparency! This plan allows you to keep your finances in check in a straightforward and stress-free way, so you can focus on what sparks joy.
- No interest, no handling fees, no hidden surprises
- Split your bills at check-out, and pay them over 3 to 36 months
- Shop at over 4,500 designated physical and online outlets, covering travel, healthcare, education, lifestyle and much more
Offer 1 - Agoda
[Promotion extended by popular demand] From 23 March to 30 Sep 2026, get 10% off instantly when you make any eligible booking on Agoda using your HSBC Visa credit card and settle your purchase with Visa Instalments. You can save up to HKD200 under this offer. T&Cs (PDF) apply.
Offer 2 - Zenyum
Get an instant HKD1,000 discount at Zenyum when you purchase a treatment, while enjoying flexible, interest-free instalments with eligible Visa cards. Offer ends 30 Sep 2026. T&Cs (PDF) apply.
Offer 3 - Medical and Wellness Offer
Take care of yourself and your furry friends. Set up Merchant Instalment Plans with eligible Visa cards at designated merchants below and earn up to $200 RewardCash. Offer ends 30 Sep 2026. T&Cs (PDF) apply.
Split the bills for just about everything
Our merchant instalment plan covers travel, healthcare, pets care and so much more, helping you manage big bills when you need flexibility.
Travel
With an HSBC Visa Credit Card, you can make your dream holidays more affordable by splitting your bills at:
- Agoda*
- KKday*
*Applicable on Visa Instalments with HSBC Visa Credit Cards only.
Healthcare
Worried about unexpected healthcare expenses? Handle the financial part with less stress by setting up a merchant instalment plan at:
- ANKH
- Chinese Essence Health Group
- Gleneagles Hospital Hong Kong
- HealthBaby
Veterinary
Take care of your pets' heath – we know you see it just as important as your own. Get the treatments you need and split your payments at these clinics or hospitals:
- Creature Comforts Veterinary Group
- Tai Wai Animal Hospital
- VSH (Veterinary Specialty Hospital)
Lifestyle and jewellery
From fancy gadgets to tasteful furniture, go for the finer things that best match your style without paying up at once. Set up an instalment plan with us when you shop at:
- Chow Tai Fook
- Emmas Spectrum
- i-Primo Diamond
- Ma Belle
- OSIM
Beauty and more
You can also split your bills with our instalment plan at:
- CMHK
- MediLASE
- Modern Beauty
- Tom Lee music
Find more merchants on the HSBC Reward+ App
Discover the latest offers, find instalment plan participating merchants and use your RewardCash anytime, anywhere.
Smart tips
Credit limit increase or transfer
Don't worry about your credit limit being partially held for setting up merchant instalment plans. Simply request a credit limit increase or transfer to keep your purchasing power flexible!