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Spending Instalment Plan

Spend, Split and Sure WIN! Act now to earn up to $1,100 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

$1,100 RewardCash

Offer 1 - Rewards on paying your insurance premiums or taxes

Set up a Spending Instalment plan of 12 months or more with your HSBC credit card, and earn an extra $100 RewardCash (RC), for every:

  • HKD10,000 in instalment amount for insurance premium payments - offer ends 28 Feb 2026. T&Cs apply.
  • HKD30,000 in instalment amount for online tax payments - offer ends 28 Feb 2026. Selected customers only, T&Cs apply.

You can earn up to $400 RC respectively for the above offers. 

Offer 2 - Rewards on your Trip/Shopping

Set up a Spending Instalment plan of 12 months or more with your HSBC credit card, and earn an extra 2% RC, for:

  • HKD1,000 or above in instalment amount when you shop at SOGO - offer ends 6 Jan 2026. T&Cs apply.
  • HKD1,000 or above in instalment amount when you make a booking at Trip.com - offer ends 28 Feb 2026. T&Cs apply.

You can earn up to $400 RC respectively for the above offers. 

Offer 3 - More rewards when you set up your first-ever Spending Instalment

Earn $100 RC for every HK$5,000 instalment amount, up to a maximum of $300 RC. Offer ends 28 Feb 2026. T&Cs apply.

Explore more offers and learn how to apply at hsbc.com.hk/spi_offers.

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.