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Spending Instalment Plan

Spend, Split and Get Rewarded! Act now to earn up to $1,200 RewardCash!

Key Facts Statement 

Enjoy flexible and convenient repayments in 3 steps

Split your bills into monthly instalments[@cards-promotionofspendinginstalment],[@cards-spendingmonthlyhandlingfee] of 6 to 60 months with instant approval[@usinghshcappapply] on the HSBC HK App or the Reward+ app. 

Spend & Split to earn

Up to

$1,200 RewardCash

Offer 1 - Buying an iPhone? Pay by instalments to earn up to $750 RewardCash

From 10 September to 13 November 2026, register via Reward+ for "Red Hot Shopping Special – Apple Store" and spend with your HSBC credit card to enjoy:

  • Extra 6% RC on Eligible Transactions via Apple Pay at Apple Store, Apple Store Online, or Apple Store App - up to $350 RC.
  • Extra 2% RC when you successfully apply for a 12-month-or-longer Spending Instalment Plan Transaction Instalment for a single Eligible Transaction at HKD1,000 or more - up to $400 RC.

Offer 2 - Rewards on paying your insurance premiums

Still weighing whether to pay your insurance premiums annually or monthly? Simply pay with your card and split it into instalments to earn extra RewardCash (RC)!

During each of the phases below, pay your premiums with your HSBC Credit Card and set up a Spending Instalment Plan of 12 months or more. For every HKD10,000 in instalment amount, you'll get extra $100 RC - up to $600 RC per phase:

  • Phase 1: 1 April to 30 June 2026; Phase 2: 1 July to 30 September 2026; Phase 3: 1 October to 31 December 2026

Across all three phases, you can enjoy up to $1,800 RC in total. T&Cs apply.

Offer 3 - Healthcare instalment rewards

We've got you covered! From 1 July to 30 September 2026, make eligible transactions at the healthcare merchants below with your HSBC Credit Card and apply for an instalment plan of 12 months or longer to earn extra $100 RewardCash for every HKD10,000 of approved instalment amount, up to $200 RewardCash in total! Peace of mind for your health and your wallet! Offer ends 30 Sep 2026. T&Cs apply.

Participating healthcare institutions 

Offer 4 - Set up your first spending instalment now for maximum rewards

Setting up an instalment for the first time? Act now to enjoy a 0% handling fee for the first 3 months and earn up to $400 RC. Offer ends 30 Sep 2026. T&Cs apply.

Check out the relevant offer T&Cs and application steps (PDF).

dpws-tools-calculator-creator

Apply now

Via HSBC HK App

Complete your application in the HSBC HK App if you’ve already set up mobile banking and registered your offers on the Reward+ app. 

Scan the QR code to open the HSBC HK App

QR code to be scanned with mobile device to generate mobile app account opening page journey for sole customers.

Register on the Reward+ app to enjoy our offers

Register now to enjoy our offers. You can also apply for Spending Instalment Plan via the Reward+ app and get approved instantly[@usinghshcappapply].

By phone

Call us on our 24/7 application hotline to get started. (852) 2233 3052

Find out more

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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Important information

To borrow or not to borrow? Borrow only if you can repay! T&Cs apply.