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

Double the Excitement with a Monthly Flat Rate as low as 0.19% and a Flexible Repayment Option

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

“Chill” Spending Installment

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 October 1 to December 31, 2022, 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

  • Preferential Monthly Flat Rate2 as low as 0.19%
    Installment Plan Amount General Spending Installment2,3 AIA Hong Kong Premium and/or Tax Payment Installment Transactions2,3
    HKD1,000 - HKD8,999 0.50% 0.30%
    (Applicable to Application by Phone only)
    HKD9,000 - HKD29,999 0.42%
    HKD30,000 - HKD99,999 0.25%
    New Super Low
    Interest Rate
    HKD100,000 or above
    0.19%

Example: Calculation of repayment amount of HKD30,000 over 60 months’ at a monthly flat rate of 0.25%

Monthly principal installment amount

HKD500
(HKD30,000÷60)

+
Monthly interest

HKD75
(HKD30,000 x 0.25%)

=
Monthly repayment amount

HKD575
(HKD500 + HKD75)

Remarks:
  1. 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.
  2. For the Annualized Percentage Rate (“APR”) please refer to terms and conditions.
  3. The Annualized Percentage Rate (“APR”) for monthly interest rate 0.19% (APR 4.42%) is calculated with 60-month repayment period. 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.
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Flexible Installment Options

  • The installment amount as low as HKD1,000
  • No handling fee
  • Unlimited number of applications
repayment icon

Flexible Repayment Period up to 60 Months

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

Offer Details

“Chill” Spending Installment Visa Cardmember Top Up Offer

Get up to HKD500 Cash Rebate4,5,6 for Visa Cardmember who successfully register, and apply for the “Chill” Spending Installment Program.

+
“Chill” Spending Installment First Successful Application via eBanking Offer

Get up to HKD500 Cash Rebate4,5,6,7 for your first successful application to the “Chill” Spending Installment Program made via Mobile/Online Banking.

Installment Plan Amount “Chill” Spending Installment Visa Cardmember Top Up Offer Cash Rebate “Chill” Spending Installment First Successful Application via eBanking Cash Rebate Total Cash Rebate up to8
HKD9,000 – HKD29,999 HKD100 HKD100 HKD200
HKD30,000 – HKD99,999 HKD200 HKD200 HKD400
HKD100,000 or above HKD500 HKD500 HKD1,000
Remarks:
  1. Each Cardmember will only be entitled to each cash rebate offer once only during the promotion period.
  2. Applicable to tenors of 12 months or more.
  3. Applicable to the first 500 eligible customers during the promotion period.
  4. Only applicable to customers who have not apply Spending Installment Program via Mobile / Online Banking on or before September 30, 2022.
  5. Cash Rebate includes the (i) “Chill” Spending Installment Visa Cardmember Top Up Offer and the (ii) “Chill” Spending Installment First Successful Application via eBanking Offer.
“Chill” Spending Installment Program Application Video Guide

Please scan QR Code to watch the video and learn more.

Click here for Terms and Conditions for “Chill” Spending Installment Program.
Click here for Terms and Conditions for “Chill” Spending Installment Visa Cardmember Top Up Offer.
Click here for Terms and Conditions for First Successful Mobile / Online Banking Application Gift.
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
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.

It’s Convenient & Quick to apply via Mobile/Online Banking
Enjoy up to HKD4,000 Reward

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 cash out installment

Simply convert available combined credit limits1 into cash, and choose from a wide selection of repayment periods to suit your needs. Snap-up every happy moment with funds at your fingertips. What’s more, you can also enjoy super-low monthly interest rates2 as low as 0.12%! From November 21 to December 31, 2022, successfully apply via Mobile/Online Banking for cash out amount of HKD50,000 or above (with monthly interest rate of 0.15% or above and tenor of 12 months or above) to enjoy 3% Cash Out Amount Rebate up to HKD3,000!

Plan Details

Application

Selected cardmembers apply via Mobile / Online Banking3 can get up to extra HKD4,000 Reward

Rate

Personalised Preferential Monthly Interest Rate2

cash

Get your cash as soon as possible on the same day with application via telephone

Repayment

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

cash

No other loan handling fee4

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

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

Up to HKD4,000 Reward for application via Mobile/Online Banking

Reward 1 - Limited 3% Cash Out Amount Rebate Offer up to HKD3,000

Promotion Period: From November 21 to December 31, 2022

Successfully apply via Mobile/Online Banking for cash out amount of HKD50,000 or above (with monthly interest rate of 0.15% or above and tenor of 12 months or above) to enjoy 3% Cash Out Amount Rebate up to HKD3,000!

Monthly Interest Rate Cash Out Amount Cash Rebate
Not less than 0.15% HKD50,000 or above 3% Cash Out Amount Rebate
up to HKD3,000

Reward 2 - Enjoy up to HKD1,000 Supermarket Cash Vouchers5,6

Apply via Mobile / Online Banking anytime, and get up to HKD1,000 Supermarket Cash Vouchers for Monthly Interest Rate not less than 0.15%! The application can be submitted with just a few simple steps and the process shall take less than 1 minute. Simply and Easy!

Monthly Interest Rate Cash Out Amount Supermarket Cash Vouchers
Not less than 0.15% 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.

  • 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 0.12% 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.
  • Application via Mobile/Online Banking, the cashed amount will be sent in the form of cheque.
  • 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.
  • 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 reward. Each Credit Card Cardmember can enjoy the reward once only.
  • Not applicable to Cash Out Amount less than HKD10,000 or Monthly Interest Rate less than 0.15%.

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 of “Cash Out Installment” Cash Rebate Program

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

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 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.