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Credit Card Interest-free Merchant Instalment Plan

Pay by instalment to earn up to $500 RewardCash and/or instant discount.

Pay by instalment and earn up to $500 RewardCash and/or instant discount.

 

From now until 28 February 2023, pay by instalment with our new “iPhone for Life” programme and earn an extra $300 RewardCash! Enjoy $100 instant discount if you use Red Card and join the programme at 3HK on or before 31 December 2022. T&Cs apply.

What’s more, earn extra $100 RewardCash when you set up any new merchant instalment of HKD1,000 or above with HSBC credit card for the first time. T&Cs apply.

Interest-free Merchant Instalment

With your HSBC credit card1, you can enjoy 3-36 months instalment at over 4,500 hotspots2 to spend with ease and flexibility! Check out the available merchants on Reward+ anytime, anywhere!

Benefits

HSBC Reward+

Download the HSBC Reward+ app to use your RewardCash, browse the latest offers and available merchants for instalment anytime, anywhere!

HSBC Reward+

Available with “iPhone for Life” – the affordable way to have the latest iPhone

Get the new iPhone 14 series with your HSBC credit card, and join the new "iPhone for Life3" programme at much lower monthly contribution than normal instalment.

 

After paying up the 24th instalment, you can:

  • Upgrade to the latest iPhone, and return the iPhone to the respective designated merchants to offset the remaining instalments with the Guaranteed Buy-Back Value4; or

  • Keep your iPhone and continue to pay the balance by instalments

Designated merchants of "iPhone for Life" Programme:

HSBC’s First “Eat Now, Pay Later”!

Enjoy precious moment with your family and friends and pay your bill by 3-month instalment as a new way of payment option. Reserve a seat now at below featured restaurants!

Outback

Frank’s Records

My Day

Niku Niku Japanese Restaurant

More restaurants such as Mizu, Pier 1929, Sushi Hajime and Taylor Shellfish Farms, etc., are ready for your choice. Visit HSBC Reward+ for the full list of available restaurants.

Shop at over 4,500 hotspots and pay by instalment!

A wide spectrum of participating merchants are available to let you enjoy flexible shopping experience, ranging from Daily Home Living, Gadgets and Electronics, to luxury products. 

See our featured merchants below:

Department Store & Home Living Electronics & Telecom Lifestyle Shopping
  • APITA
  • SOGO
  • YATA
  • Pricerite
  • Broadway
  • Fortress
  • Wilson
  • Sony
  • OTO
  • Pure
  • Eslite bookstore
  • AXA Insurance 
  • Sulwhasoo
  • Ingrid Millet Paris
  • Tom Lee Music
  • TSL Jewellery

See our featured merchants below:

Department Store & Home Living
  • APITA
  • SOGO
  • YATA
  • Pricerite
Electronics & Telecom
  • Broadway
  • Fortress
  • Wilson
  • Sony
Lifestyle
  • OTO
  • Pure
  • Eslite bookstore
  • AXA Insurance 
Shopping
  • Sulwhasoo
  • Ingrid Millet Paris
  • Tom Lee Music
  • TSL Jewellery

...and more!

 

Check with the merchants for detials before you pay with your HSBC Credit Cards!

Enjoy Online shopping and split your bill with a click

Without visiting the stores physically, you may now enjoy the same benefits when shopping online! Simply choose to pay by "Credit Card Interest-free Instalment Plan" when checking out at the designated merchant websites.

See our featured merchants below:

Sample journey as below:

Step 1

Choose to pay with instalment

Step 2

Input instalments details

Step 3

Confirm to complete transaction

Click to pay with instalment when checking out at designated online merchants
Choose your preferred tenor and input your card details, then read our Terms and Conditions

Verify the details and input one-time-password sent out by the Bank, Then it’s done!

Enjoy the flexibility of splitting your payment with no fees and interests!

Sample journey as below:

Step 1

Choose to pay with instalment

Click to pay with instalment when checking out at designated online merchants

Step 2

Input instalments details

Choose your preferred tenor and input your card details, then read our Terms and Conditions

Step 3

Confirm to complete transaction

Verify the details and input one-time-password sent out by the Bank, Then it’s done!

Enjoy the flexibility of splitting your payment with no fees and interests!

Remarks

  1.  Interest-free Merchant Instalment is not applicable to HSBC Pulse UnionPay Dual Currency Diamond Credit Card and HSBC UnionPay Dual Currency Card.
  2.  Participating merchant offers various repayment tenors and may require minimum transaction amount for setting up merchant instalment. Unless being mentioned under "Designated online merchants", merchant instalment could only be set up at physical stores of the participating merchants. For details, please contact the merchant directly.
  3.  "iPhone for Life" is available to designated iPhone models as decided from time to time. For details, please reach out to designated merchants.
  4.  "Guaranteed Buy-Back Value" means the residual buy back value of the Apple® Product offered by the designated merchants under the Product Return Option and subject to the respective terms and conditions as specified by the designated merchants from time to time.
  5.  MaBelle offers online Interest-free Merhcant Installment only when checking out via its fanshare platform.

Your preferred merchants are not on the list?

After spending, you can always split your bills by instalment with a few steps on HSBC Reward+ app and HSBC HK App with instant approval, subject to a preferential handling fee! Earn up to $300 RewardCash for your first 6-month ‘Transaction Instalment Plan’ via the above apps during promotional period. T&Cs apply.

Other offers and rewards

 
about latest offers This link will open in a new window

Enjoy sizzling credit card offers on Dining, Shopping, Travel and more.

 
about HSBC Reward+ mobile app

Download our credit card mobile app to manage your accounts and pay any transactions with RewardCash anytime, anywhere.

 
about home&Away This link will open in a new window

An array of offers from over 160 countries / regions. Enjoy the benefits with HSBC card anywhere.

To borrow or not to borrow? Borrow only if you can repay!