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

Double the Excitement with a Monthly Flat Rate as low as 0.35% and a Flexible Repayment Option
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%
- General Spending: Preferential Monthly Flat Rate2 as low as 0.35%
- 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.
- 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.
- 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%.
- 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%.
- The calculation of Monthly Installment Amount is rounded to the nearest two decimal places.
- Calculated by total installment amount of HKD30,222, repayable by 36 monthly installments and a Monthly Interest Rate of 0.35%1,3.
- Preferential Monthly Flat Rate for AIA Hong Kong Designated Policy Premium is at 0.30% (Applicable to Application by Phone only).
- 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
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 |
- Each Cardmember will only be entitled to each cash rebate offer once only during the promotion period.
- Applicable to tenors of 12 months or more.
- Applicable to the first 500 eligible customers during the promotion period.
- Only applicable to customers who have not apply Spending Installment Program via Mobile / Online Banking on or before December 31, 2022.
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