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

Ease of Spending with our
Spending Installment Plan

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


Your ease of spending with our spending installment plan, way to enjoy a monthly interest rate as low as 0.35%

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!

download icon

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: 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%
cash icon

Flexible Installment Options

  • The minimum installment amount is HKD1,000
  • Free handling fee
  • Unlimited applications
repayment icon

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 4

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

Online Offer

From now until September 30, 2020, get up to HKD500 Cash Rebate9 for successful application of "FUN Express" Spending Installment Plan via Mobile/Online Banking.

Installment Amount Cash Rebate
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%1,2.
  • 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%1,3.
  • Only applicable to the first 1,000 applications of“FUN Express” Spending Installment Program, there are no limits to the number of applications.
  • Office Hours: Monday – Friday: 9:00am – 8:00pm, Saturday: 9:00am – 1:00pm, closed on Sunday and public holidays.

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 10
317 95518
Register Online,
we will contact you shortly

Enjoy an easy life with cash on hand

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


Your Spending As you wish, way to have cash with ease

Get ready cash for your flexible use with Monthly Interest Rate1 as low as0.15%!

credit card cash out installment

CCB (Asia) Credit Card “Cash Out Installment Program” gives you the flexibility to convert selected CCB (Asia) principal cardmember’s available combined credit limit2 into cash, enabling you to spend as you wish! Act now!

tips icon

Personalized preferential Monthly Interest Rate1 as low as 0.15%,with no other loan handling fee3

cash icon

Convert your available combined credit limit2 into cash

apply icon

Apply via Mobile / Online Banking or by Phone

repayment icon

Repayment period up to 60 months

Furthermore, 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 – one time only!

Cash Out Amount Requirement Cash Rebate
HKD30,000 – HKD150,000 HKD200
Over HKD150,000 HKD400

Example: Calculated by Cash Out Amount of HKD10,000, repayable by 12 monthly installments and a Monthly Interest Rate of 0.15%1.

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.

  • The Annualized Percentage Rate (”APR”) for monthly interest rate 0.15% is calculated as follows: 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.
  • Combined credit limit is applicable to all your CCB (Asia) Credit Card Account(s) (except Business Cards).
  • 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.
  • Office Hours: Monday – Friday: 9:00am – 8:00pm, Saturday: 9:00am – 1:00pm, closed on Sunday and public holidays.

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 4
317 95518
Register Online,
we will contact you shortly