Credit Card Cash-in Installment Program

Remarks

1. For now until 31 August 2026, Selected Cardmembers who applying for and successfully drawing down the Credit Card Cash-In Installment Program via inMotion Mobile App shall be entitled to 6-month administration fee rebate. The amount of administration fee rebate amount is calculated based on the loan amount multiplied by personal administration fee and 6-month repayment tenor. The administration fee rebate amount is rounded down to the nearest whole number.

The example is as below:
Loan Amount of HK$200,000 x Personal Administration Fee of 0.25% x 6-month repayment tenor = Administration Fee Rebate Amount of HK$3,000

For details, please refer to “Credit Card “Cash-In Installment Program”– Promotional Terms and Conditions for 6-month Administration Fee Rebate”.

2. For a loan amount of HK$200,000 with a repayment tenor of 12 months and a Monthly Administration Fee of 0.25%, including the 6 months Monthly Administration Fee Rebate HK$3,000, the Annualized Percentage Rate (APR) is 2.78%. Excluding Monthly Administration Fee Rebate, The APR is 5.63%. The examples are for reference only. The APR will be determined based on the cardmember's credit rating and other relevant loan approval factors, and the bank reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee.

The APR is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate.

The personalized monthly administration fee is applicable to selected cardmembers and is for reference only. The Bank reserves the right at its sole discretion on determining the monthly administration fee from time to time for individual promotion. Please call Credit Card Customer Service Hotline 2280 1288 to check for the personalized monthly administration fee.

3.The approval of the Credit Card Cash-in Installment Program is depended on the status of the credit card account. The Bank reserves the right to request Cardmembers to provide supporting document for approval purpose. In addition, if the requested loan amount exceeds the available credit limit, Cardmembers are required to submit income documents. The Bank reserves the right to decide whether to approve or decline any application for Credit Card Cash-in Installment Program.

4. Installment period of 12 months, 24 months, 36 months, 48 months and 60 months are available for selection.