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
  • Chill Spending
  • Cash Out

Selected Customers can enjoy up to HKD7,000 Cash Rebate
for Credit Card Spending and Insurance Premium Installments

“Chill” Spending Installment Program
Insurance premium, buying a car, and other spending can also be repaid by installments. Spend and Chill while repaying at ease! Apply for the CCB (Asia) Credit Card “Chill” Spending Installment Program with a preferential monthly flat rate as low as 0.30% for up to 60 months of repayment period, and enjoy up to HKD7,000 cash rebate!

Apply now via Mobile/Online Banking or CCB (Asia) Credit Card Installment Hotline 317 95518!

Apply Now via Online Banking
If you don't have a CCB (Asia) Credit Card yet, click here to apply now!
Super Low Interest Rate
Insurance Premium Payment and/or Tax Payment: Monthly Flat Rate at 0.30%1
(Applicable to Application by CCB (Asia) Credit Card Installment Hotline or Registration Form only)
Details
Installment Amount Monthly Flat Rate
HKD1,000 or above 0.30%
General Spending: Monthly Flat Rate as low as 0.35%2
Details
Installment Amount Monthly Flat Rate
HKD1,000 - HKD8,999 0.50%
HKD9,000 - HKD29,999 0.42%
HKD30,000 or above 0.35%
Form
Fill in for Insurance Premium Spending
Installment Program Registration Form
Hotline
Credit Card Installment Hotline#：
317 95518
Product Features
  • Installment amount as low as HKD1,000
  • No handling fee
  • Unlimited number of applications
  • Repayment options 6/12/18/24/36/48/60 months
  • No document required
“Chill” Spending Installment First Successful Application via eBanking offer
Get up to HKD1,000 Cash Rebate3 for your first successful application to the “Chill” Spending Installment Program made via Mobile/Online Banking.
Details
Installment Plan Amount First Successful “Chill” Spending Installment Application via eBanking Cash Rebate
HKD9,000 – HKD29,999 HKD100
HKD30,000 – HKD49,999 HKD300
HKD50,000 – HKD99,999 HKD500
HKD100,000 or above HKD1,000
Better Budgeting with Flexible Installment Plans
insurance
Pay insurance premium for a better insurance protection!

Example: HKD20,000 / 12 monthly installments

Monthly Repayment: HKD1,7274

Buy a car
Buy a car to enhance your quality of living!

Example: HKD350,000 / 60 monthly installments

Monthly Repayment: HKD7,0595

travel
Explore the world and broaden your horizons!

Example: HKD12,000 / 24 monthly installments

Monthly Repayment: HKD5516

appliances
Upgrade your home with new appliances!

Example: HKD1,000 / 6 monthly installments

Monthly Repayment: HKD1727

“Summer Spending Installment Rewards Program” Enjoy up to HKD6,000 Cash Rebate
From July 1, 2023 to September 30, 2023 (“Promotional Period”), selected CCB (Asia) Customers8 who apply for eligible “Chill” spending installments9 with designated amounts during the Phase can receive up to HKD2,000 Cash Rebate, up to HKD6,000 cash rebate10 for the whole Promotion! Details are as follows:
Successful Application via Mobile/Online Banking during each phase

Up to HKD2,000 Cash Rebate

or
Successful Application via CCB (Asia) Credit Card Installment Hotline during each phase

Up to HKD1,000 Cash Rebate

Details
Phase 1:
July 1 - 31, 2023
Phase 2:
August 1 - 31, 2023
Phase 3:
September 1 – 30, 2023
Eligible “Chill” Spending Installment Amount in each Phase Cash Rebate for application via CCB (Asia) Credit Card Installment Hotline Cash Rebate for application via Mobile/Online Banking
HKD9,000 – HKD29,999 HKD100 HKD200
HKD30,000 – HKD49,999 HKD300 HKD600
HKD50,000 – HKD99,999 HKD500 HKD1,000
HKD100,000 or above HKD1,000 HKD2,000
Register for “Summer Spending Installment Reward Program”
Registration Period: From July 1, 2023 at 10:00 a.m. to September 30, 2023 at 11:59 p.m.
Remarks：
  1. 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%.
  2. 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%.
  3. 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 installment and customers who have not applied Spending Installment Program via Mobile / Online Banking on or before June 30, 2023.
  4. Calculated by total installment amount of HKD20,000, repayable by 12 monthly installments and a Monthly Interest Rate of 0.30%. Monthly Repayment around HKD1,727 (round up to integer).
  5. Calculated by total installment amount of HKD350,000, repayable by 60 monthly installments and a Monthly Interest Rate of 0.35%. Monthly Repayment around HKD7,059 (round up to integer).
  6. Calculated by total installment amount of HKD12,000, repayable by 24 monthly installments and a Monthly Interest Rate of 0.42%. Monthly Repayment around HKD551 (round up to integer).
  7. Calculated by total installment amount of HKD1,000, repayable by 6 monthly installments and a Monthly Interest Rate of 0.50%. Monthly Repayment around HKD172 (round up to integer).
  8. Selected customers refer to cardmembers who received the promotional materials (include MMS message / eDM / promotional leaflet) of this program, and/or did not apply for the “Chill” Spending Installment Program or the “Fun Express” Spending Installment Program during the period from June 16, 2022 to June 15, 2023 (defined in clause 1 of Terms and Conditions of "Summer Spending Installment Rewards Program”).
  9. Each applicant can receive the cash rebate offer once for each phase during the promotion period. Tenor must be 12 months or above. The installment will be based on the earliest installment amount made during each phase. Should there be more than one application on the same day, the application with higher amount will be counted. The Spending Installment Plan has to remain valid and in good standing at the time of fulfillment in order to be eligible for cash rebate offer.
  10. For the whole Promotion Period, the maximum of HKD6,000 Cash Rebate will be awarded for each Customer. The current cash rebate rewards will be credited to eligible Principal Card accounts on or before November 30, 2023. All cash rebates can only be used to discount outstanding balance of the relevant credit card account, cannot be exchanged or used as cash, and cannot be transferred.
Click here for Terms and Conditions for “Chill” Spending Installment Program.
Click here for Terms and Conditions for “Chill” Spending Installment First Successful Application offer via Mobile/Online Banking and “Summer Spending Installment Reward Program”.
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 Mobile Banking
Search CCB (Asia) Mobile App from Apple Store or Google Play
Apply at Online Banking
CCB (Asia) Credit Card Installment Hotline#
317 95518
Register Online for Insurance Premium Spending Installment Program
we will contact you within 3 working days
Register Online for “Chill” Spending Installment Program
#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!


If you don't have a CCB (Asia) Credit Card yet, click here to apply now!

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 September 1, 2023 to October 31, 2023, enjoy up to HKD6,800 Cash Rebate for successful cash out via Mobile Banking / Online Banking, the details are as follows:
Enjoy up to HKD6,800 Cash Rebate6,7,8 for successful cash out via Mobile Banking / Online Banking
  Cash Rebate6,7,8 (HKD)
Loan Repayment Period 12-36 Months 48 Months or above
Loan Amount (HKD) 30,000 - 99,999 400 800
100,000 - 199,999 800 1,600
200,000 - 299,999 1,000 2,500
300,000 or above 2,000 6,800

The above offer is only applicable to loan with Personalised Preferential Monthly Interest Rate2 of 0.24% or above.

Example: Calculated by Every 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 monthly interest rate 0.12% is only eligible to selected customers applying through CCB(Asia) Credit Card Installment Hotline, with installment amounts HKD600,000. The Bank reserves the final right on the offers. 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 HKD6,800 Cash Rebate for successful cash out via Mobile Banking / Online Banking” only applies to loan application with Personalised Preferential Monthly Interest Rate of 0.24% 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 Banking / 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 Credit Card Installment 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.