CCB (Asia) Credit Card Installment Loan Program

CCB (Asia) Credit Card provides you an array of installment plans to maximize your financial flexibility.

Privileges all your way

Double the Excitement with a Monthly Flat Rate as low as 0.35% and a Flexible Repayment Option

Key Facts Statement (KFS) for “Chill” Spending Installment Program

With CCB (Asia) Credit Card “Chill” Spending Installment Program, whether it’s for daily shopping, dining, takeaway, travel or even payment of insurance premiums - all can be paid by installments. From January 7 to June 30, 2023, Cardmembers can simply apply for the CCB (Asia) Credit Card “Chill” Spending Installment Program via Mobile/Online Banking or by phone1, and can repay by up to 60 monthly installments, so – be chill and spend!

Program Details

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Super Low Interest Rate

  • General Spending: Preferential Monthly Flat Rate2 as low as 0.35%
    Installment Amount General Spending Installment2,3
    HKD1,000 - HKD8,999 0.50%
    HKD9,000 - HKD29,999 0.42%
    HKD30,000 or above 0.35%
  • AIA Hong Kong Designated Policy Premium and/or Tax Payment: Preferential Monthly Flat Rate2 at 0.30%
    (Applicable to Application by Phone only)
    Installment Amount Monthly Flat Rate2,4
    HKD1,000 or above 0.30%
Remarks:
  1. Total Installment Amount will be credited to the account within 3 working days after successful application. To avoid potential late payment fee, please submit application 4 working days (excluding Saturdays) prior to the Payment Due Date as specified in the Statement of Account where the relevant Eligible Transaction(s) first appears.
  2. Our Annualized Percentage Rate (“APR”) is calculated according to the standard of Hong Kong Association of Banks and is rounded to the nearest two decimal places. An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of the product expressed as an annualized rate.
  3. The Annualized Percentage Rate (“APR”) for monthly interest rate 0.35% is calculated as follows: 6-month repayment period is 7.40%, 12-month repayment period is 7.94%, 18-month repayment period is 8.10%, 24-month repayment period is 8.16%, 36-month repayment period is 8.16%, 48-month repayment period is 8.12%, 60-month repayment period is 8.05%.
  4. The Annualized Percentage Rate (“APR”) for monthly interest rate 0.30% is calculated as follows: 6-month repayment period is 6.32%, 12-month repayment period is 6.78%, 18-month repayment period is 6.93%, 24-month repayment period is 6.98%, 36-month repayment period is 7.00%, 48-month repayment period is 6.97%, 60-month repayment period is 6.92%.
  5. The calculation of Monthly Installment Amount is rounded to the nearest two decimal places.
  6. Calculated by total installment amount of HKD30,222, repayable by 36 monthly installments and a Monthly Interest Rate of 0.35%1,3.
  7. Preferential Monthly Flat Rate for AIA Hong Kong Designated Policy Premium is at 0.30% (Applicable to Application by Phone only).
  8. Calculated by total installment amount of HKD26,050, repayable by 12 monthly installments and a Monthly Interest Rate of 0.30%1,4.
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Flexible Installment Options

  • The installment amount as low as HKD1,000
  • No handling fee
  • Unlimited number of applications
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Flexible Repayment Period up to 60 Months

  • You may choose repayment options 6/12/18/24/36/48/60 months

“Chill” Spending Installment First Successful Application via eBanking Offer

Get up to HKD500 Cash Rebate9,10,11,12 for your first successful application to the “Chill” Spending Installment Program made via Mobile/Online Banking.

Installment Plan Amount “Chill” Spending Installment First Successful Application via eBanking Cash Rebate
HKD9,000 – HKD29,999 HKD100
HKD30,000 – HKD99,999 HKD200
HKD100,000 or above HKD500
Remarks:
  1. Each Cardmember will only be entitled to each cash rebate offer once only during the promotion period.
  2. Applicable to tenors of 12 months or more.
  3. Applicable to the first 500 eligible customers during the promotion period.
  4. Only applicable to customers who have not apply Spending Installment Program via Mobile / Online Banking on or before December 31, 2022.
“Chill” Spending Installment Program Application Video Guide

Please scan QR Code to watch the video and learn more.

Click here for Terms and Conditions for “Chill” Spending Installment Program.
Click here for Terms and Conditions for First Successful Mobile / Online Banking Application Gift.
Click here for Key Facts Statement (KFS) for Installment Loan and Illustration Example of Making Early Repayment.
Click here for the Frequently-Asked-Questions
From July 1, 2022, the product name of spending installment program is revised from “Fun Express” Spending Installment Program to “Chill” Spending Installment Program. Terms and conditions that apply to “Fun Express” Spending Installment Program is also applicable to “Chill” Spending Installment Program. (Except terms and conditions otherwise specify)
To borrow or not to borrow? Borrow only if you can repay!
Apply at
Online Banking
Apply at Mobile Banking
Search CCB (Asia) Mobile App from Apple Store or Google Play
Apply via Hotline#
317 95518
Register Online,
we will contact you shortly
#Connect direct to our representative after choice of language. Office Hours: Monday – Friday: 9:00am – 8:00pm, Saturday: 9:00am – 1:00pm, closed on Sunday and public holidays.

Successfully apply via Mobile/Online Banking to Enjoy up to HKD6,800 Cash Rebate

Key Facts Statement (KFS) for "Cash Out Installment Program"

It’s convenient and quick, with just a few simple steps, you can have access to funds at any time!

Credit Card Cardmembers can now convert available combined credit limits1 into cash and enjoy personalised preferential monthly interest rate as low as 0.12%2. You can even choose different repayment periods to meet your different needs. Enjoy instant cash to live your dream!

Plan Details

Personalised

Enjoy up to HKD6,800 Cash Rebate

Repayment

Repayment period up 60 months3

document

No document is required4

Money

Draw down can be as quickly as on the same day5

Offer Details

From January 1, 2023 to February 28, 2023, enjoy up to HKD6,800 Cash Rebate for successful cash out via Mobile/Online Banking, the details are as follows:
Enjoy up to HKD1,000 Cash Rebate6,8 for successful cash out via Non-Mobile/Online Banking channel
or
Enjoy up to HKD6,800 Cash Rebate7,8,9 for successful cash out via Mobile/Online Banking
Loan Application Channel Cash Rebate6,8 for successful cash out via Non-Mobile/Online Banking channel (HKD) Cash Rebate7,8,9 for successful cash out via Mobile/Online Banking (HKD)
Loan Repayment Period 12-60 Months 12-36 Months 48-60 Months
Loan Amount (HKD) 30,000 - 99,999 200 400 800
100,000 - 199,999 400 800 1,600
200,000 - 299,999 500 1,000 2,500
300,000 or above 1,000 2,000 6,800

The above offer is only applicable to loan with Personalised Preferential Monthly Interest Rate2 of 0.20% or above.

Example: Calculated by Cash Out Amount of HKD10,000, 12-month repayment period and monthly flat rate 0.12%

Monthly Interest Daily Interest Monthly Repayment Amount
HKD12.00 HKD0.40 HKD845.33
  • The calculation of Monthly Interest, Daily Interest and Monthly Repayment Amount are rounded to the nearest two decimal places.
  • Daily interest is calculated based on 30 days in a month
  • Combined credit limit is applicable to all your CCB (Asia) Credit Card Account(s) (except Business Cards).
  • The Annualized Percentage Rate (“APR”) for monthly interest rate 0.12% is calculated as follows: 6-month repayment period is 2.49%, 12-month repayment period is 2.68%, 18-month repayment period is 2.75%, 24-month repayment period is 2.78%, 36-month repayment period is 2.80%, 48-month repayment period is 2.81%, 60-month repayment period is 2.81%. Our Annualized Percentage Rate is calculated according to the standard of Hong Kong Association of Banks and is rounded to the nearest two decimal places. An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of the product expressed as an annualized rate.
  • Cardmember can choose the repayment period up to 6/12/18/24/36/48/60 months.
  • The Bank reserves the right to request supplement documents from Cardmember depending on each individual case.
  • “Get your cash as soon as possible on the same day”only applies to hotline application.
  • “Enjoy up to HKD1,000 Cash Rebate for successful cash out via Non-Mobile/Online Banking channel”only applies to loan application with Personalised Preferential Monthly Interest Rate of 0.20% or above or loan amount more than HKD30,000.
  • “Enjoy up to HKD6,800 Cash Rebate for successful cash out via Mobile/Online Banking” only applies to loan application with Personalised Preferential Monthly Interest Rate of 0.20% or above or loan amount more than HKD30,000.
  • During the Promotion Period, each Applicant can receive Cash Rebate once only. Please refer to relevant Terms and Conditions for details.
  • Application via Mobile/Online Banking, the cashed amount will be sent in the form of cheque.

Remark: In the event of early repayment of the Cash Out installment amount, the Bank will charge the Cardmember a termination fee of HKD500. Please refer to the Terms and Conditions for details.

Click here for Terms and Conditions of “Cash Out Installment Program”

Click here for Terms and Conditions of Drawdown Offer

Click here for Key Facts Statement (KFS) for Installment Loan and Illustrative Example of Making Early Repayment

Click here for the Frequently-Asked-Questions

Terms and conditions apply.

To borrow or not to borrow? Borrow only if you can repay!
Apply at
Online Banking
Apply at Mobile Banking
Search CCB (Asia) Mobile App from Apple Store or Google Play
Apply via Hotline#
317 95518
Register Online,
we will contact you shortly
#Connect direct to our representative after choice of language. Office Hours: Monday – Friday: 9:00am – 8:00pm, Saturday: 9:00am – 1:00pm, closed on Sunday and public holidays.