1 The highest annualised percentage rate is 10.98% (calculated based on 12 months repayment period); 11.24% (calculated based on 24 months repayment period); 11.20% (calculated based on 36 months repayment period); 11.09% (calculated based on 48 months repayment period); 10.96% (calculated based on 60 months repayment period).The monthly handling fee and annualised percentage rate differ depending on individual customer eligibility. Please call our application hotline or log on to HSBC Personal Internet Banking to enquire your monthly handling fee and annualised percentage rate. The minimum withdrawal amount is HKD2,000 and the maximum withdrawal amount is 100% of the credit limit of the cardholder's designated HSBC credit card account.
2 Only applicable to applications of transferring the withdrawal amount from HSBC credit card account to cardholder's designated HSBC personal bank account, no document is required. You will need a Security Device, if you apply through HSBC Personal Internet Banking.
3 Only applicable to applications for the transfer of the withdrawal amount from designated HSBC credit card account to the cardholder's designated HSBC personal bank account and no document is required.
4 Service hours of the approval hotline : Monday to Friday: 9 am-8 pm; Saturday: 9 am- 5 pm. Except public holidays. Customers should submit the applications and provide all required information within our service hours. The counting of processing lead time starts upon customer information is entered into the application evaluation system by HSBC. Processing time may vary from case to case depending on the actual circumstances of individual applications. The remuneration for sales staff is determined based on the staff's overall performance with reference to a wide range of factors, and is subject to review from time to time, for the purpose of encouraging the building of deep, long-lasting and mutually valuable relationships with customers. It is not determined solely on financial performance.
The annualised percentage rate (“APR”) is calculated using method specified in relevant guidelines issued by The Hong Kong Association of Banks, and is rounded up or down to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate.