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Card Retail Purchase Installment Program

Standard Monthly Administration Fee of 0.26% Flexible repayment period of 6 – 36 months

Make you financial flexible for more shopping pleasure by spreading payments to installment

Retail Purchase Installment Plan make you financial flexible for more shopping pleasure and indulge yourself in exclusive rewards. To enjoy Standard Monthly Administration Fee of 0.26%* and Flexible repayment period of 6 – 36 months!

Features

Standard Monthly Administration Fee of 0.26%
Apply for single transaction or combine multiple transactions into one installment plan
Minimum application amount of HK$1,000
Flexible repayment period of 6-36 months
No document required

Example
Assume repaying a credit card transaction of HK$10,000 by 12 months with a monthly handling fee of 0.26%*, daily handling fee is only HK$0.87^#, the annualised percentage rate is 5.86%

3 Simple Steps to Request

Step 1
Make a purchase^{^} at any local or overseas merchant and an online purchase^{^} with CNCBI Credit Card.
Step 2
Simply call the CNCBI Credit Card Customer Service Hotline at 2280 1288 7 days before the payment due date of transaction statement.
Step 3
Installments and monthly administration fees will be displayed in next statement after successful application.

* For Standard Monthly Administration Fee of 0.26%, the Annualized Percentage Rates (APRs) are as follows: 5.46% for 6 months, 5.86% for 12 months, 5.99% for 18 months, 6.04% for 24 months, 6.06% for 36 months. 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 Bank reserves the right at its sole discretion on determining the monthly administration fee from time to time for individual promotion.

^#Assume 30 calendar days per month, daily handling fee is only HK$0.87 (= HK$10, 000 x 0.26% ÷ 30). This example is based on a customer making full payment of monthly repayment amount.

^{^} Please refer the terms and conditions for definition of eligible transaction.

Remarks:
Cardmember needs to be aware that early settlement handling fee of HK$250 and all monthly administration fees payable over the remainder of the installment period but not yet charged to the Account and any interest (if applicable) are involved in early settlement of Credit Card “Retail Purchase Installment Program”. Please check with the Bank about the total repayment amount and consider the handling fee involved before making a decision of repaying early or not.

Promotional Terms and Conditions for CNCBI Credit Card "Retail Purchase Installment Program"

Promotional Terms and Conditions for CNCBI Credit Card "Retail Purchase Installment Program" - Applicable to application via inMotion Services

FAQ for Card Retail Purchase Installment Program