3 easy steps to apply:
Log on to Reward+ now, choose ‘Account’ and select ‘Spending Instalment Plan’ to apply and check application records
Example – calculation of monthly repayment amount for the Spending Instalment Plan
Assume repaying a credit card transaction of HKD50,000 by 60 months with a monthly handling fee of 0.18%, daily handling fee is only HKD3.00*
|Monthly instalment principal||Monthly handling fee||Monthly repayment amount|
( = HKD50,000 ÷ 60 )
( = HKD50,000 x 0.18%)
*Assume 30 calendar days per month, daily handling fee is only HKD3.00 (= HKD50,000 x 0.18% ÷ 30). The annualised percentage rate is 4.19% (calculated based on 60 months repayment period).This example is based on a customer making full payment of monthly repayment amount.
How to apply
3 simple steps to apply online
Apply online with ease
Note: The screen displays and the images of the website are for reference and illustration purposes only.
Product resources and services
Enjoy 3-month handling fee rebate of Spending Instalment Plan for transactions at selected merchants.
Cash Instalment Plan
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.
To borrow or not to borrow? Borrow only if you can repay!
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