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

Selected Customers enjoy Monthly Flat Rate as low as 0.30%1 and up to HKD1,000 Cash Rebate2 for Credit Card Spending and Insurance Premium Installments

“Chill” Spending Installment Program
Insurance premium, tax payment, buying a car, and other spending can also be repaid by installments with monthly flat rate as low as 0.30%1 for up to 60 months of repayment periods.

Enhanced feature in Mobile Banking! You can now select eligible transactions to be repaid by installments in Transaction History in Mobile Banking. Spending is now with added flexibility, and you can enjoy up to HKD1,000 cash rebate2!

Apply now via Mobile/Online Banking or call Hotline 317 95518!


If you don't have a CCB (Asia) Credit Card yet, click here to apply now!
Super Low Interest Rate
Insurance Premium Payment / Tax Payment: Monthly Flat Rate at 0.30%1
(Applicable to Application by CCB (Asia) Credit Card Installment Hotline or Registration Form only)
Installment Amount Monthly Flat Rate
HKD1,000 or above 0.30%
General Spending: Monthly Flat Rate as low as 0.35%3
Installment Amount Monthly Flat Rate
HKD1,000 - HKD8,999 0.50%
HKD9,000 - HKD29,999 0.42%
HKD30,000 or above 0.35%
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
From April 1 to June 30, 2024 ("Promotion Period"), selected customers can get up to HKD1,000 Cash Rebate2 for your first successful application to the “Chill” Spending Installment Program made via Mobile/Online Banking.
Installment Plan Amount First Successful “Chill” Spending Installment Application via eBanking Cash Rebate
HKD1,000 - HKD8,999 HKD50
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

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. 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 from March 16, 2023 to March 15, 2024.
  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. 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).

Remark: “Chill” Spending Installment Program is only applicable to selected CCB (Asia) Cardmembers.

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.
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

Login to Mobile Banking and select “Credit Card/Loan”, then select “Spending Installment” under “Menu”

#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.

Get Cash at Ease via Mobile Banking And Enjoy up to HKD6,800 Cash Rebate

Cash Out Installment Program
Login to Mobile Banking and apply for Cash Out Installment Program to convert your combined credit limit1 to get some handy cash at ease! As selected customer2, you can enjoy up to HKD6,800 Cash Rebate3 for successful Cash Out Installment application via eBanking4!

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


If you don't have a CCB (Asia) Credit Card yet, click here to apply now!
Product Features
  • Preferential Monthly Flat Rate as low as 0.12%5
  • Repayment period up to 60 months6
  • No document is required7
  • Draw down can be as soon as on the same day8
Successful Cash Out Installment Application via eBanking Offer
From March 1, 2024 to April 30, 2024, as selected customer2, you enjoy up to HKD6,800 Cash Rebate3 for successful Cash Out Installment application via Mobile Banking / Online Banking.
Loan Amount Cash Rebate
Loan Repayment Period
12-36 Months
Loan Repayment Period
48 Months or above
HKD30,000 - HKD99,999 HKD400 HKD800
HKD100,000 - HKD199,999 HKD800 HKD1,600
HKD200,000 - HKD299,999 HKD1,000 HKD2,500
HKD300,000 or above HKD2,000 HKD6,800
The above offer is only applicable to loan with Monthly Flat Rate of 0.24% or above.
Sufficient Liquidity Manage Wealth Easily
Example: Calculated by Every Cash Out Amount of HKD10,000, 12-month repayment period and monthly flat rate 0.12%5
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.

Watch Mobile Banking Application Guide Now
(Chinese Only)

Simple Steps for Application via Online Banking
Remarks:
  1. Combined credit limit is applicable to all your CCB (Asia) Credit Card Account(s) (except Business Cards).
  2. Selected customers refer to card members who received the promotional materials (include MMS message / eDM / promotional leaflet) of this program (defined in clause 2 of Terms and Conditions of "Successful Cash Out Installment Application via eBanking Offer").
  3. “Successful Cash Out Installment Application via eBanking Offer” only applies to loan application with Monthly Flat Rate of 0.24% or above or loan amount more than HKD30,000. Each Applicant can receive Cash Rebate once only. Please refer to relevant Terms and Conditions for details.
  4. Application via Mobile Banking / Online Banking, the cashed amount will be sent in the form of cheque.
  5. The monthly flat 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 flat 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.
  6. Cardmember can choose the repayment period 6/12/18/24/36/48/60 months.
  7. The Bank reserves the right to request supplement documents from Cardmember depending on each individual case.
  8. “Get your cash as soon as possible on the same day” only applies to hotline application.

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 “Successful Cash Out Installment Application via eBanking 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

Login to Online Banking and select “Credit Cards”, then select “Cash Out Installment Program” under “Installment Loans / Cash Out”

Apply at Mobile Banking
Search CCB (Asia) Mobile App from Apple Store or Google Play

Login to Mobile Banking and select “Credit Card / Loan”, then select “Cash Out Installment” under “Menu”

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.