Welcome to the China CITIC Bank International.

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Card Retail Purchase Installment Program

Freedom to Shop Now

Don't wait any longer for what you want - you can pay it back in installments over the year

With our Retail Purchase Installment Plan, you can enjoy great financial freedom and indulge yourself in exclusive rewards. Whether you go for a shopping spree, take a diploma course or take a relaxing holiday, you can take advantage of repaying your lump sum spending amount with up to 36-month interest-free installments without any pre-set conditions.

There are no geographical boundaries, no designated merchants and no restrictions on what you buy. Simply apply 7 days before payment due date, and choose 6, 12, 18, 24 or 36 month tenors for your installment plan.

  • Monthly administration fee as low as 0.25%
  • Apply for single transaction or combine multiple transactions into one installment plan
  • Minimum application amount is HK$1,000
  • Repayment Period as long as 36 months

3 Simple Steps to Request

  1. Step 1
    Make a purchase^ at any local or overseas merchant and an online purchase^ with CNCBI Credit Card.
  2. Step 2
    Simply call the CNCBI Credit Card Customer Service Hotline at 2280 1288 7 days before the payment due date of transaction statement, and choose one of the tenors - 6, 12, 18, 24 or 36 months.
  3. Step 3
    Your 1st-12th installments and monthly administration fees will start from the first statement after successful application. Each installment will be entitled to our Bonus Point Rewards Program.


* The Bank shall charge a monthly administration fee according to the actual sum of Approved Amount as specified by the Bank. For approved amount of HK$15,000 below, a personalized monthly administration fee at 0.33%, the Annualized Percentage Rates (APRs) are as follows: 6.97% for 6 months, 7.48% for 12 months, 7.63% for 18 months, 7.69% for 24 months and 7.70% for 36 months. For approved amount of HK$15,000 or above, a personalized monthly administration fee at 0.25%, the APRs are as follows: 5.25% for 6 months, 5.63% for 12 months, 5.76% for 18 months, 5.81% for 24 months and 5.83% for 36 months. Calculation of these APRs are based on the Net Present Value Method in accordance with the Code of Banking Practice. The personalized monthly administration fee is applicable to selected customers 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 refer the terms and conditions for definition of eligible transaction.

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

Ready to Apply?

  • Call us at 2280 1288

Be served by our professional staff at our branches, or opt for self-service banking via our automated channels — the choice is yours.

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