CCB (Asia) Credit Card Installment Loan Program

CCB (Asia) Credit Card provides you an array of installment plans to maximize your financial flexibility.

FUN Express
Cash Out

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.

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!

Super Low Interest Rate

General Spending: Preferential Monthly Flat Rate¹ as low as 0.35%

Installment Amount Monthly Flat Rate^1,3

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 Rate^1,4

HKD1,000 or above 0.30%

Installment Amount	Monthly Flat Rate^1,3
HKD1,000 - HKD8,999	0.50%
HKD9,000 - HKD29,999	0.42%
HKD30,000 or above	0.35%

Installment Amount	Monthly Flat Rate^1,4
HKD1,000 or above	0.30%

Flexible Installment Options

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

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.
Office Hours: Monday – Friday: 9:00am – 8:00pm, Saturday: 9:00am – 1:00pm, closed on Sunday and public holidays.
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 ¹⁰
317 95518

Register Online for a Head Start and Enjoy Cash Rewards of up to HKD1,000

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!

Simply apply via Mobile/Online Banking or by phone, Cardmembers can convert the available combined credit limit¹ into cash, allowing them to benefit from every market opportunity by making the best use of their flexible funds at any time.

Plan Details

: Personalized preferential Monthly Interest Rate² as low as 0.15%，with no other loan handling fee³

: Convert your available combined credit limit¹ into cash

: Apply via Mobile / Online Banking or by Phone and get your cash on the same day

: Repayment period up to 60 months

Incentive for Application via e-channel

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

Example: Calculated by Cash Out Amount of HKD10,000, repayable by 12 monthly installments and a Monthly Interest Rate of 0.15%².

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.

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: 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.
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 Cash Rebate. Each Credit Card Cardmember can enjoy the reward once only.
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