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

Indulge in a Shopping Spree
Enjoy a Monthly Interest Rate1 as low as 0.35%

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

Have greater FUN whilst shopping online, dining and traveling, and even when paying your insurance premium.

Fun, express spending installment

With CCB (Asia) Credit Card "Fun Express” Spending Installment Plan, you can simply apply via Mobile/Online Banking or by phone2. And you can repay slowly and up to 60-month installments. The larger the installment amount, the lower the interest rate!

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Super Low Interest Rate

  • General Spending: Preferential Monthly Flat Rate1 as low as 0.35%
    Installment Amount Monthly Flat Rate1,3
    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 Rate1 at 0.30%
    (Applicable to Application by Phone only)
    Installment Amount Monthly Flat Rate1,4
    HKD1,000 or above 0.30%
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Flexible Installment Options

  • The minimum installment amount is HKD1,000
  • Free handling fee
  • Unlimited applications
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Flexible Repayment Period

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

Examples for Greater Spending Pleasure 3

Installment Transactions Installment Amount
Online Spending HKD24,000
School Fee HKD5,000
Dining with friends HKD1,222
Total HKD30,222
Monthly Installment5 – at only HKD945.286 x 36-month

Example for AIA Hong Kong Designated Policy Premium and Tax Payment 4

Installment Transactions Premium Payment Installment Amount
Life Protection Premium7 HKD20,000
Tax Payment7 HKD6,050
Total HKD26,050
Monthly Installment5 – at only HKD2,248.988 x 12-month

Online Offer

From now until June 30, 2021, get up to HKD500 Supermarket Cash Vouchers9 for successful application of "FUN Express" Spending Installment Plan via Mobile/Online Banking.

Installment Amount Supermarket Cash Vouchers
HKD9,000 - HKD29,999 HKD100
HKD30,000 - HKD99,999 HKD200
HKD100,000 or above HKD500
  • 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.
  • 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.
  • 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.
  • AIA Hong Kong Premium and/or Tax Payment can enjoy preferential monthly flat rate 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.
  • Only applicable to the first 1,000 applications of “FUN Express” Spending Installment Program (not applicable to AIA Hong Kong Premium/ Tax Payment/ JD Credit Card Online Transaction/ Octopus Auto Living UnionPay Diamond Credit Card auto related transaction), there are no limits to the number of applications.
  • CCB (Asia) JD Credit Card online transaction can enjoy preferential monthly flat rate at 0.17% (Application for 6 months repayment period and via Application by Phone only).
  • CCB (Asia) Octopus Auto Living UnionPay Diamond Credit Card auto related transaction within 3 months can enjoy preferential monthly flat rate of 0.17% (via Application by Phone only).

Click here for Terms and Conditions of “FUN Express” Spending Installment Program.

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

Click here for terms and conditions for mobile and online banking application gifts.

Click here for mobile and online banking ‘step-by-step’ application procedures.

Click here for the Frequently-Asked-Questions

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.

Enjoy Low Monthly Interest of 0.15% and a Variety of Repayment Periods to Fit Your Needs

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

Grasp market opportunities by accessing your funds at any time in just a few simple steps!

credit card cash out installment

Convert available combined credit limits1 into cash and choose from a wide selection of repayment periods to fit your financial needs. Seize every market opportunity by making the best use of your flexible funds at any time. What's more, by registering for a 3-month repayment period, you can also enjoy super-low monthly interest rates2 of as low as 0.15%

Plan Details

cash

Get your cash as soon as possible on the same day

Repayment

Repayment period up to 3/6/12/18/24/36/48/60 months

Rate

Preferential Monthly Interest Rate2

Application

Application via Mobile/Online Banking3

Reward for application via Mobile/Online Banking3

Apply via Mobile / Online Banking anytime, and get up to HKD1,000 cash rebate4! The application can be submitted with just a few simple steps: log on to Mobile/ Online Banking, select Credit Card Number, enter Applied Amount, Tenor and some simple application details at ‘Cash Out Installment Program’ Page. The whole process shall take less than 1 minute. Simply and Easy!

Cash Out Amount Cash Rebate
HKD10,000 - HKD29,999 HKD100
HKD30,000 - HKD79,999 HKD300
HKD80,000 - HKD249,999 HKD500
HKD250,000 or above HKD1,000

Remark: Application via Mobile/Online Banking, the cashed amount will be sent in the form of cheque.

Example: Calculated by Cash Out Amount of HKD10,000, assume repayable by the following Monthly Interest Rate

Monthly Interest Daily interest (calculated based on 30 days) Monthly Repayment Amount
HKD15.00 HKD0.50 HKD848.33

  • The calculation of Monthly Interest, Daily Interest and Monthly Repayment Amount are rounded to the nearest two decimal places.
  • No other loan handling fee5

  • 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 0.15% is calculated as follows: 3-month repayment period is 2.73%, 6-month repayment period is 3.12%, 12-month repayment period is 3.36%, 18-month repayment period is 3.44%, 24-month repayment period is 3.47%, 36-month repayment period is 3.50%, 48-month repayment period is 3.50%, 60-month repayment period is 3.50%. 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.
  • Not applicable to 3-month repayment period.
  • During the promotion period, the first 300 Credit Card Cardmembers who have successfully applied via mobile or online banking, and have made a successful drawdown of the loan amount, will also be rewarded with additional Cash Rebate. Each Credit Card Cardmember can enjoy the reward once only.
  • 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 Key Facts Statement (KFS) for Installment Loan and Illustrative Example of Making Early Repayment

Click here for terms and conditions for mobile and online banking application gifts

Click here for mobile and online banking ‘step-by-step’ application procedures

Click here for the Frequently-Asked-Questions

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.