AIA Premium Installment Spending Reward

Set Up an ‘AIA Hong Kong Premium Installment Plan’ with CCB (Asia) Credit Card to Pay Your AIA Premiums and Enjoy Unlimited Rewards

CCB (Asia) Credit Card
Enjoy up to HK$800 Interest Rebate for each Policy
and Earn 1 Bonus Point for Every HK$1 Spent on Insurance Premiums

From July 11, 2025 to September 30, 2025, eligible Cardmembers who successfully set up a new1 HK$15,000 or above Premium Installment Plan2 for designated AIA New Policy or Existing Policy premium payment with an applicable Credit Card and can get fabulous rewards list below:

Reward 1 : Enjoy up to HK$600 Interest Rebate with Every New Policy Setup1
New Setup AIA Premium Installment Amount Interest Rebate for One-off3
Installment Plan		 Interest Rebate for Multiple4
Installment Plan
HK$15,000 to HK$24,999 HK$100 HK$200
HK$25,000 to HK$34,999 HK$200 HK$400
HK$35,000 or above HK$300 HK$600
Remarks: The installment plan monthly interest shall be equal to 0.3% of the total installment amount chargeable over the repayment period. (For reference, the annualized percentage rates are respectively 6.32%, 6.63%, 6.78% and 6.93% for 6-, 9-, 12- and 18-month repayment periods). The APR is calculated according to the standard of Hong Kong Association of Banks and 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. Terms and Conditions apply, for details please refer to “AIA Hong Kong Premium Installment Plan Application Form”.
Reward 2 : Extra Interest Rebate for Credit Cardmember’s First Successful Application5 for “AIA Hong Kong Premium Installment Plan”
Each Credit Cardmember who successfully applies for the “AIA Hong Kong Premium Installment Plan” for the first time using their credit card will receive an extra HK$100 Interest Rebate for a One-off Installment Plan; or an extra HK$200 Interest Rebate for “Multiple Premium Installment Plan[s]”.
Reward 3 : Earn 1 Bonus Point for Every HK$1 Spent on Insurance Premiums
Earned bonus points can be redeemed for desired rewards, such as cash rebate, Asia Miles etc. For “Bonus Points Reward Programme” details, please click here.
Remarks:
  1. Newly set up refers to an AIA policy premium in the previous policy anniversary were not paid by "AIA Hong Kong Premium Installment Plan".
  2. Premium installment plan of HK$15,000 or above is calculated per policy.
  3. One-off Installment Plan – An installment plan for the next premium payment under the relevant policy will be set up on the applicable credit card, in accordance with the instructions of AIA International Limited (Incorporated in Bermuda with limited liability) (“AIA”).
  4. Multiple Installment Plan – i) Upon each due premium payment under the relevant policy, an installment plan will be set up on the applicable credit card in accordance with the instructions of AIA International Limited (Incorporated in Bermuda with limited liability) (“AIA”); ii) The total installment amount for each due premium may be subject to change based on the terms and conditions of the policy; iii) If Cardmembers wish to terminate the future multiple installment plan, Cardmembers must submit a written request at least 1 month before the next premium due date to AIA (AIA will notify China Construction Bank (Asia) Corporation Limited (“CCBA”)); and iv) If cardmembers wish to make early repayment, please contact our Customer Service Hotline at 3179 5533 to request or enquire about it.
  5. First Successful Application defined as those cardmembers who have not successfully applied for the “AIA Hong Kong Premium Installment Plan” during the period from July 1, 2022 to June 30, 2025. Each cardmember can enjoy extra interest rebate once only during the promotion period.

Terms and Conditions apply.

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Terms & Conditions
AIA Premium Installment Plan Interest Rebate - (“The Program”) Terms & Conditions:
  1. THE PROGRAM – This Program is only available for principal and supplementary cardmember(s) (the “Cardmember(s)”) paying AIA International Limited (Incorporated in Bermuda with limited liability) (“AIA”) policy premium by designated payment methods through Visa, MasterCard and UnionPay Dual Currency credit cards (except Corporate Credit Cards) (“Card(s)”) issued by China Construction Bank (Asia) Corporation Limited. (“we”, “us” or “our”). The Program Period is from July 11, 2025 to September 30, 2025 (both dates inclusive) (the “Program Period”).
  2. During Program Period, cardmember successfully New Setup AIA Premium Installment settle designated AIA New Policy or Existing Policy premium payment, to enjoy the following reward:
    1. Successfully New Setup a 6, 9, 12 or 18 months AIA premium installment plan (“Eligible Installment Plan”) for AIA premium payment for New Policy or Existing Policy, can enjoy the following reward:
      New Setup AIA Premium Installment Amount
      (for each policy)      		 Interest Rebate for One-off Installment Plan Interest Rebate for Multiple Installment Plan
      HK$15,000 to HK$24,999 HK$100 HK$200
      HK$25,000 to HK$34,999 HK$200 HK$400
      HK$35,000 or above HK$300 HK$600
    2. The installment plan monthly interest shall be equal to 0.3% of the total installment amount chargeable over the repayment period. (For reference, the annualized percentage rates are respectively 6.32%, 6.63%, 6.78% and 6.93% for 6-, 9-, 12- and 18-month repayment periods). The APR is calculated according to the standard of Hong Kong Association of Banks and 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;
    3. New Setup means the concerned AIA policy premium was not paid by AIA premium installment plan in previous policy anniversary;
    4. One-off Installment Plan – An installment plan for the next premium payment under the relevant policy will be set up on the applicable credit card, in accordance with the instructions of AIA International Limited (Incorporated in Bermuda with limited liability) (“AIA”);
    5. Multiple Installment Plan – i) Upon each due premium payment under the relevant policy, an installment plan will be set up on the applicable credit card in accordance with the instructions of AIA International Limited (Incorporated in Bermuda with limited liability) (“AIA”); ii) The total installment amount for each due premium may be subject to change based on the terms and conditions of the policy; iii) If Cardmembers wish to terminate the future multiple installment plan, Cardmembers must submit a written request at least 1 month before the next premium due date to AIA (AIA will notify China Construction Bank (Asia) Corporation Limited (“CCBA”)); and iv) If cardmembers wish to make early repayment, please contact our Customer Service Hotline at 3179 5533 to request or enquire about it.
  3. During the Program Period, Cardmembers who successfully apply for the AIA Premium Installment Plan for the first time (“First Successful Application”) will receive an extra HK$100 interest rebate for One-off Installment Plan or HK$200 interest rebate for Multiple Installment Plan. First Successful Application are defined as those cardmembers who have not successfully applied for the “AIA Premium Installment Plan” between July 1, 2022, and June 30, 2025. Each Cardmember may receive this extra rebate only once during the Program Period.
  4. Eligible "New Premium Installment" must be established through AIA using the "China Construction Bank (Asia) Corporation Limited - AIA Premium Installment Plan Application Form," subject to the relevant terms and conditions. Please refer to the application form for details.
  5. EXCLUDED PREMIUM TRANSACTIONS – a) Premium payment that AIA Cashier Office does not accept credit card payment including but not limited to Single Premium / Investment-Linked Assurance Scheme Policies / Loan Repayment / Future Premium Deposit Fund / Top-Up Premium / FlexiMoney; b) Premium payment for AIA insurance policies which are held by person other than Cardmember(s) and/or his/her direct family members (including his/her parents, children and spouse); (c) Transactions not posted within 7 working days after the end of program period.
  6. SUPPLEMENTARY CARDS – Eligible Installment Plan New Setup and Eligible Retail Spending by supplementary Cardmember(s) of the Card during the Program Period will be considered to be made by the principal Cardmember(s) of the Card for the purpose of the Program. The related reward earned will be counted to the principal Cardmember Card account(s).
  7. NOTIFICATION OF THE REWARDS – The interest rebate will be credited to Eligible Card accounts with the highest net spending amount in our records on or before November 30, 2025. Interest Rebate can only be applied against outstanding in Card account statement. Rebate cannot be converted into cash, and/or withdrawn as cash and is not transferable. If the Rebate amount would be drawn by any means as cash or transfer to other accounts, relevant fees and charges will be incurred.
  8. ELIGIBILITY – The eligibility of any Cardmember(s) under the Program shall be restricted to:
    1. Checking of the account status of all of his/her existing Card account(s) by us and shall be conditional upon such Card account(s) being valid and in good standing (as determined by us in our sole and absolute discretion) at all times during the respective Program Period and at the time of releasing the cash rebate; and
    2. The terms and conditions set up by AIA on premium payment by credit card; and
    3. At the time of releasing the reward, the Eligible Installment has not been cancelled; and
    4. The Eligible Installment policy has not been set up with Installment for payment via our credit card before this new Installment set-up (if applicable); and/or did not has any Installment payment transaction via our credit card during the past 12 months.
  9. OUR RECORD PREVAILS – Our records of rewards earned under the Program and all decisions regarding the rewards shall (unless there is an obvious error) be final and binding upon all Cardmembers.
  10. BONUS POINT CAP ON DESIGNATED TRANSACTIONS - All terms and conditions of the CCB (Asia) Credit Card Bonus Points Reward Program shall apply, and the terms and conditions may be updated at our discretion at any time without prior notice. See Terms and Conditions of the Bonus Points Reward Program at CCB (Asia) Credit Card Bonus Points Reward Program webpage for details.
  11. RIGHT TO VARY, ETC. – We reserve the rights to vary the Program and/or these Terms and Conditions, or to replace, cancel or withdraw the Program, at our discretion at any time.
  12. FINAL DECISION – We retain the right of final decision in any differences or disputes under the Program, and shall not be responsible or liable for any claims or liability resulting from any Cardmember’s participation in the Program howsoever suffered or incurred.
  13. No person other than the parties to this Program will have any right under the Contracts (Rights of Third Parties) Ordinance (Chapter 623 of the Laws of Hong Kong) to enforce or enjoy the benefit of any provisions of this Program. Application of the Contracts (Rights of Third Parties) Ordinance (Chapter 623 of the Laws of Hong Kong) is hereby expressly excluded.
  14. ENGLISH VERSION PREVAILS – In case of any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.