Spend & Be Chill to Get More

(Selected customers only) Monthly Flat Rate as low as 0.30% for Spending and Insurance Premium Payment Installment with up to HKD4,500 Cash Rebate

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CCB (Asia) Credit Card “Chill” Spending Installment Program with monthly flat rate as low as 0.30% and repayment period of up to 60 months, you can repay the spending at ease! Whether it's for shopping, travel, dining with friends or payment of insurance premiums - all can be paid by low interest installments and you can even earn up to HKD4,500 cash rebate!
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“Spend & Be Chill to Get More” Cash Rebate
From May 1 to June 30, 2023, CCB (Asia) Selected Customer1 can enjoy up to HKD2,000 cash rebate4 during each phase2 upon achieving a cumulative eligible "Chill" spending installments3 with designated amounts. You can receive a maximum of up to HKD4,000 cash rebate4 during the whole promotion period! Register now and apply "Chill" Spending Installment to enjoy the rewards!
Phase 1: May 1 to May 31, 2023 Phase 2: June 1 to June 30, 2023
Accumulated Amount of Eligible "Chill" Spending Installments3 during Each Phase2 Cash Rebate4 Insurance Premium Payment/ Tax Payment Monthly Flat Rate5,6,7 General Spending Monthly Flat Rate5,6,7
HKD9,000 – HKD29,999 HKD200 0.30% 0.42%
HKD30,000 – HKD99,999 HKD600 0.35%
HKD100,000 or above HKD2,000

Remark: From May 15, 2023, Insurance Premium Payment and/or Tax Payment: Preferential Monthly Flat Rate5 at 0.30% (Applicable to Application by Phone or Registration Form only)

Registration Period8: From May 1, 2023 at 10:00 a.m. to June 30, 2023 at 11:59 p.m.
Register “Spend & Be Chill to Get More”
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“Chill” Spending Installment First Successful Application via eBanking Offer
From now till June 30, 2023, you can get up to HKD500 Cash Rebate9,10,11,12 for your first successful application to the “Chill” Spending Installment Program made via Mobile/Online Banking. No registration is required.
Installment Plan Amount13 Cash Rebate
HKD9,000 – HKD29,999 HKD100
HKD30,000 – HKD99,999 HKD200
HKD100,000 or above HKD500
Strategy to Earn up to HKD4,500 Cash Rebate
Phase Spending Installment Application Date Spending Installment Amount Cash Rebate
“Spend & Be Chill to Get More” “Chill” Spending Installment First Successful Application made via eBanking Total Rebate in Whole Promotion Period
Phase 1 May 5, 2023 HKD110,000 HKD2,000 HKD500 HKD4,500
May 20, 2023 HKD5,000 -
Phase 2 June 16, 2023 HKD80,000 HKD2,000 -
June 22, 2023 HKD30,000 -
Chill Spending Installment Program

Apply Now and Learn More
“Chill” Spending Installment Program

Remarks:
Reward 1: "Spend & Be Chill to Get More" Cash Rebate
  1. Selected customers refer to cardmembers who received the promotional materials (include MMS message / eDM / promotional leaflet) of this program, and/or did not apply for the “Chill” Spending Installment Program or the “Fun Express” Spending Installment Program during the period from April 16, 2022 to April 15, 2023 (defined in clause 1 of Terms and Conditions).
  2. The Promotion Period is divided into 2 phases: Phase 1 – from May 1 to May 31, 2023 and Phase 2 – from June 1 to June 30, 2023.
  3. Eligible “Chill” Spending Installments refer to you must use your credit card to successfully apply for the “Chill” Spending Installment Program and tenor must be 12 months or above.
  4. To be eligible for the cash rebate, you must be among the first 2,000 Cardmembers (defined in clause 1 of Terms and Conditions) who have successfully registered during the registration period as specified in clause 3 of Terms and Conditions. Registration is on a first-come, first-served basis.
  5. 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.
  6. 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%.
  7. The monthly flat rate of the "Chill " Spending Installment Program will be calculated based on the amount of each spending installment application submitted; no accumulated amounts will qualify, regardless of the number of applications made.
  8. You need to register once only to participate in the program for all phases of the entire promotion.
Reward 2: “Chill” Spending Installment First Successful Application via eBanking Offer
  1. Each Cardmember will be entitled to 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 and no registration is required.
  4. Only applicable to customers who did not apply for the Spending Installment Program via Mobile / Online Banking, on, or before, December 31, 2022.
  5. Spending installment amounts will be counted based on the earliest successful application during the Promotion Period. Should there be more than one application on the same day, the application with the higher amount will be counted, and may not be combined for calculation.

Terms and conditions apply.

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Terms & Conditions
Terms and Conditions of “Spend & Be Chill to Get More” Cash Rebate Offer ("Program"):
  1. THE PROGRAM - The Program is only applicable to principal cardmembers of credit cards (except Business Card and UnionPay Dual Currency Credit Card RMB Account) ("Card(s)") issued by China Construction Bank (Asia) Corporation Limited (the "Bank", "we", "us" or "our") who received the promotional materials (include MMS message / eDM /promotional leaflet) of this Program from the Bank; and/or who did not apply for the “Chill” Spending Installment Program or the “Fun Express” Spending Installment Program during the period from April 16, 2022 to April 15, 2023 (“Selected Customers” or “you”). Selected Customers have to successfully apply for “Chill” Spending Installment Program and the repayment tenor must be 12 months or above by the Card(s) ("Eligible Installments") between May 1, 2023 and June 30, 2023 (both dates inclusive) ("Promotion Period"). The Promotion Period is divided into 2 phases: Phase 1 – from May 1 to May 31, 2023 and Phase 2 – from June 1 to June 30, 2023.
  2. PROGRAM REQUIREMENT - To enjoy the cash rebate, you must be the first 2,000 Selected Customers who have successfully registered during the registration period specified in clause 3 below. If the principal cardmember has more than one principal Cards, registration of one of his/her Cards will automatically register all of other Cards under his/her name, and all the Eligible Installments will be calculated on a combined basis. Upon achieving the respective spending installment requirement as specified in clause 4 below in any phase during the Promotion Period, you will be entitled to the corresponding cash rebate for that particular phase ("Cash Rebate"). Each principal cardmember can enjoy the Cash Rebate once in each phase.
  3. REGISTRATION - Registration must be made during 10:00 a.m. of May 1, 2023 to 11:59 p.m. of June 30, 2023 (“Registration Period”) at our website: www.asia.ccb.com/hk/sns0523/reg/en. You will be given a registration reference number upon successful registration. The registration is on a first-come-first-served basis. You need to register once only during the Registration Period. No registration will be accepted outside the Registration Period. Time shall be of the essence and shall be in Hong Kong time in accordance with our system and record.
  4. SPENDING INSTALLMENT AMOUNT, REWARDS - The Promotion Period has 2 phases. Upon accumulating Eligible Installment of HKD9,000 – HKD29,999 in each phase, HKD200 Cash Rebate will be awarded; upon accumulating Eligible Installment of HKD30,000 – HKD99,999 in each phase, HKD600 Cash Rebate will be awarded; upon accumulating Eligible Installment of HKD100,000 or above in each phase, HKD2,000 Cash Rebate will be awarded. The maximum of HKD2,000 Cash Rebate will be awarded for each Selected Customer in each phase. For the 2 phases of whole Promotion Period, the maximum of HKD4,000 Cash Rebate will be awarded for each Selected Customer.
  5. SUPPLEMENTARY CARDS – Spending installment made by supplementary cardmember(s) of the Card(s) during the Promotion Period will be treated as made by principal Cardmember(s) of the Card(s) for the purpose of the Program.
  6. NOTIFICATION OF THE REWARDS - The Cash Rebate will be credited to eligible principal Card accounts on or before September 30, 2023. Cash Rebate can only be applied against the outstanding in Card account statement and cannot be converted into cash, and/ or withdrawn as cash advance nor transferable.
  7. OUR RECORD PREVAILS - Our records of your Cash Rebate under the Program and our decisions regarding Cash Rebate shall be final and conclusive and shall be binding on you.
  8. ELIGIBILITY - Your eligibility for the Program is subject to our checking on your Card account status and your Card account(s) remaining valid and in good standing (as determined at our discretion) throughout the Promotion Period and at the time when the Cash Rebate is given. Where Cash Rebate has been credited to a Card account and there is a subsequent reversal of any transaction(s) in respect of which the Cash Rebate has been credited, the Bank reserves the rights to debit the Cash Rebate that has been credited into the Card account(s).
  9. RIGHT TO VARY, ETC. - We reserve the right to vary the Program and/or these Terms and Conditions, or to replace, cancel or withdraw the Program, at our discretion at any time without giving you prior notice.
  10. FINAL DECISION - We retain the 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.
  11. ENGLISH VERSION PREVAILS - In case of any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.
Terms and Conditions of “Chill” Spending Installment First Successful Application via eBanking Offer ("Program"):
  1. THE PROGRAM – This Program is only available for selected cardmember who is/are successful applicant(s) of CCB (Asia) Credit Card “Chill” Spending Installment Program ("Spending Installment Program") approved by China Construction Bank (Asia) Corporation Limited ("Bank", "we", "us" or "our") with applications made under this program from January 7 to June 30, 2023 (both dates inclusive) or within such extended or shortened period as we deem appropriate ("Promotion Period").
  2. ELIGIBILITY – First time applicant for Spending Installment Program via Mobile/ Online Banking application ("Application") who have not applied the Program on or before December 31, 2022 and fulfills the below Spending Installment Amount requirement during the Promotion Period shall be entitled to First Successful Mobile/ Online Banking Application Gift ("Mobile / Online Banking Application Gift"). The Mobile/ Online Banking Application Gift is available on first-come-first-served basis and is limited to the first 500 Application.
    Installment Amount Cash Rebate Amount
    HKD9,000 - HKD29,999 HKD100
    HKD30,000 - HKD99,999 HKD200
    HKD100,000 or above HKD500
  3. NOTIFICATION – The First Successful Mobile/ Online Banking Application Gift will be credited to eligible Principal Card accounts on or before July 31, 2023.
  4. RESTRICTIONS – Each applicant can receive the Mobile/ Online Banking Application Gift once during the promotion period. Tenor must be 12 months or above. The Mobile/ Online Banking Application Gift will be rewarded based on the earlier amount made earlier during the Promotion Period. Should there be more than one application on the same day, the application with higher amount will be counted. The Spending Installment Plan has to remain valid and in good standing at the time of fulfillment in order to be eligible for the Mobile/ Online Banking Application Gift.
  5. FINAL DECISION – We may terminate or withdraw the Program at any time without notice and have the final decision in all matters and disputes in relation to the Program, and may vary any relevant details and these Terms and Conditions. We shall not be responsible or liable for any claims or liability in relation to use of the Program howsoever suffered or incurred by any Applicant or other person.
  6. DISCLAIMER – The validity and use of the Mobile/ Online Banking Application Gift under the Program shall be subject to the relevant usage instructions and terms and conditions set by the supplier. We shall not act as, or assume any liability of, a product / service supplier (or its agent). Any claim, complaint, or dispute concerning the Mobile/ Online Banking Application Gift must be referred to and resolved between the relevant supplier and the customer, which shall in no way relieve such customer from his/her payment or other obligations to us.
  7. ENGLISH VERSION PREVAILS – In case of any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.