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Card Retail Purchase Installment Program

Monthly Adminstration Fee as low as 0.26%
Flexible repayment period of 6-36 months

Make your finances more flexible and enjoy shopping by spreading your payment into installments

Retail Purchase Installment Plan makes your finances more flexible for greater shopping pleasure and allows you to indulge in exclusive rewards. Enjoy a Monthly Administration Fee as low as 0.26%* and a flexible repayment period of 6 to 36 months!

Features

Monthly Administration Fee as low as 0.26%
Apply for a single transaction ot combine multiple transations in to one inctallment plan
Minimum application amount of HK$1,000
Flexible repayment period of 6-36 months
No document required

Example
Assuming the transaction amount is HK$12,000 with repayment tenor of 12 months and monthly administration fee of 0.26%, the daily handling fee is only HK$1.04^# and the annualized 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.

*The Bank shall charge a monthly administration fee according to the actual sum of approved amount as specified by the Bank. For the approved amount above HK$10,000, a personalized monthly administration fee at 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 and 6.06% for 36 months. For the approved amount of HK$10,000 or below, a personalized monthly administration fee at 0.32%, APRs are as follows: 6.75% for 6 months, 7.24% for 12 months, 7.39% for 18 months, 7.45% for 24 months and 7.46% 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 personalized monthly administration fee is applicable to selected Cardmembers and is for reference only. The Bank reserves the right at its sole discretion to determine the monthly administration fee for individual promotions from time to time.

^# Assuming 30 calendar days per month, daily handling fee is only HK$1.04 (= HK$12, 000 x 0.26% ÷ 30 days). This example is based on a customer making the full payment of the monthly repayment amount.

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

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 Credit Card "Retail Purchase Installment Program"

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

FAQ for Credit Card Retail Purchase Installment Program