Convert your available credit limit into handy cash or transfer the outstanding balance from another credit card to your HSBC credit card account to reduce interest expenses. No fixed repayment period or repayment amount for Cash Credit Plan. Apply now to enjoy your financial flexibility.


  • Preferential interest rate as low as 5.8% for first 180 days1
  • Flexible repayment amount as low as the minimum payment of credit card monthly statement
  • No fixed repayment amount and repayment schedule, allow you to enjoy your own pace
  • Direct cash disbursement to your designated account

Example for Cash Credit Plan

Assuming a cash withdrawal of HKD50,000 for 30 days:
- Preferential interest rate at 5.8%1 Credit card interest rate at 31.5% Interest saved
Interest expense HKD238.36* HKD1,294.52 HKD1,056.16

Example for Cash Credit Plan

Assuming a cash withdrawal of HKD50,000 for 30 days:
- Interest expense
Preferential interest rate at 5.8%1 HKD238.36*
Credit card interest rate at 31.5% HKD1,294.52
Interest saved HKD1,056.16

*Interest is calculated on the basis of 365 calendar days per year, 30 days interest expense of Cash Credit Plan is HKD238.36  ( = HKD50,000 x 5.8% ÷ 365 days x 30 days), daily interest expense is around HKD7.95. The annualised percentage rate is 5.96%.

Product resources and services


Submit supporting document for Cash Credit Plan application.

Related products


Get greater financial flexibility when you repay your credit card balance by instalments.


Fixed monthly payments so you can plan accurately.


Enjoy exclusive rewards and privileges when you shop, eat and travel with an HSBC credit card.

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


  1. The personalised preferential interest rate 5.8% is applicable to selected customers and is for reference only. The interest rate is to be determined by HSBC from time to time for individual promotion. The interest rate and annualised percentage rate ("APR") differ depending on individual customer eligibility. Please call our hotline for the interest rate and the annualised percentage rate applicable to you. The APR for the preferential interest rate 5.8% is 5.96%. The APR is calculated based on the requirement of the Code of Banking Practice. APR is a reference rate which expresses the fees and charges of respective product as an annualized rate. 
  2. Please note that we do not appoint any third parties to refer Cash Credit Plan applications to us and will not process any application that was referred by a third party under beneficial arrangement. For enquiry, please call our hotline at (852)2233 3000.