CCB (Asia) Credit Card Installment Loan Program

CCB (Asia) Credit Card provides you an array of installment plans to maximize your financial flexibility.

Privileges all your way
  • Chill Spending
  • Cash Out

Selected Customers enjoy Monthly Flat Rate as low as 0.26%1 and up to HKD1,000 Cash Rebate2 for Credit Card Spending and Insurance Premium Installments

“Chill” Spending Installment Program
Credit Card Installment Loan Lucky Draw to Win HK$3,888 Spending Credit
From October 1, 2024 to November 30, 2024, CCB (Asia) Credit Cardmember who successfully applied for Eligible “Chill” Spending Installment Program can automatically enter Lucky Draw. The higher the installment amount, the higher number of chances to win the prize of $3,888 Spending Credit (Quota: 120 cardmembers), allowing you to spend with joy for the Xmas and New Year!
Apply for Spending Installment via Mobile Banking
Better Budgeting with Flexible Installment Plans
Apply Now via Online Banking
If you don't have a CCB (Asia) Credit Card yet, click here to apply now!
Up to HKD1,000
Cash Rebate
Monthly Flat Rate
as low as 0.26%
Repayment options up to 72 months
Easy Application via Mobile Banking
“Chill” Spending Installment First Successful Application via eBanking offer
From October 1, to December 31, 2024 ("Promotion Period"), selected customers can get up to HKD1,000 Cash Rebate2 for your first successful application to the “Chill” Spending Installment Program made via Mobile/Online Banking.
Installment Plan Amount First Successful “Chill” Spending Installment Application via eBanking Cash Rebate
HKD1,000 - HKD8,999 HKD50
HKD9,000 – HKD29,999 HKD100
HKD30,000 – HKD49,999 HKD300
HKD50,000 – HKD99,999 HKD500
HKD100,000 or above HKD1,000

Monthly Flat Rate as low as0.26%1

Installment Amount General Spending Monthly Flat Rate Insurance Premium Payment / Tax Payment Monthly Flat Rate*
HKD1,000 - HKD9,999 0.47% 0.30%
HKD10,000 - HKD29,999 0.39%
HKD30,000 - HKD79,999 0.32%
HKD80,000 or above 0.26%
*Applicable to Application by CCB (Asia) Credit Card Installment Hotline or Registration Form only
Repayment options 6/12/18/24/36/48/60/72 months
Unlimited number of applications, no document required!
Promotion Period till: December 31, 2024
Download and enroll Mobile Banking

Step 1: Tap “Logon” at mobile banking main page.

Step 2: Tap “New User / Registration / Activation” at Logon page.

Step 3: Tap "Register Now".

Step 4: Enter your personal and account information.

Step 5: Enter the One-Time Password you received.

Step 6: Set your Username and Password.

Step 7: You have successfully completed the registration procedure.

Login to Mobile Banking and select “Credit Card/Loan”,
then select “Spending Installment” under “Menu”

Remarks：
  1. The Annualized Percentage Rate (“APR”) for monthly interest rate 0.26% is calculated as follows: 6-month repayment period is 5.46%, 12-month repayment period is 5.86%, 18-month repayment period is 5.99%, 24-month repayment period is 6.04%, 36-month repayment period is 6.06%, 48-month repayment period is 6.05%, 60-month repayment period is 6.02%, 72-month repayment period is 5.98%.
  2. Each Cardmember will only be entitled to each cash rebate offer once only during the promotion period. Applicable to tenors of 12 months or more installment and customers who have not applied Spending Installment Program via Mobile / Online Banking from September 16, 2023 to September 15, 2024. If Eligible Customer chooses to make early settlement or cancel the Installment Program, the Bank reserves the right to charge such Eligible Customer an amount equivalent to the amount of the Cash Rebate granted. Please refer to relevant Terms and Conditions for details.

Remark: “Chill” Spending Installment Program is only applicable to selected CCB (Asia) Cardmembers.

Click here for Terms and Conditions for “Chill” Spending Installment Program.
Click here for Terms and Conditions for Spending Installment Lucky Draw Program.
Click here for Terms and Conditions for “Chill” Spending Installment First Successful Application offer via Mobile/Online Banking.
Click here for Key Facts Statement (KFS) for Installment Loan and Illustration Example of Making Early Repayment.
Click here for the Frequently-Asked-Questions
From July 1, 2022, the product name of spending installment program is revised from “Fun Express” Spending Installment Program to “Chill” Spending Installment Program. Terms and conditions that apply to “Fun Express” Spending Installment Program is also applicable to “Chill” Spending Installment Program. (Except terms and conditions otherwise specify)
To borrow or not to borrow? Borrow only if you can repay!
Apply at Mobile Banking
Search CCB (Asia) Mobile App from Apple Store or Google Play
Login to Mobile Banking and select “Credit Card/Loan”, then select “Spending Installment” under “Menu”
Apply at Online Banking

Login to Online Banking and select “Credit Cards”, then select “Spending Installment” under “Installment Loans/Cash Out”
CCB (Asia) Credit Card Installment Hotline#
317 95518
Register Online for Insurance Premium Spending Installment Program
we will contact you within 3 working days
Register Online for “Chill” Spending Installment Program
#Connect direct to our representative after choice of language. Office Hours: Monday – Friday: 9:00am – 8:00pm, Saturday: 9:00am – 1:00pm, closed on Sunday and public holidays.

Get Cash at Ease via Mobile Banking and Enjoy up to HKD6,800 Cash Rebate and a Hassle-free Tax Season

Cash Out Installment Program
Cash Out via Mobile / Online Banking
Combined Credit Limit1 to get handy cash at ease!
Apply Now via Online Banking
If you don't have a CCB (Asia) Credit Card yet, click here to apply now!
Up to HKD6,800
Cash Rebate2
Super Low Preferential
Monthly Flat Rate
Repayment period up to
72 months6
Easy Application via Mobile Banking
Successful Cash Out Installment Application via eBanking Offer3
From November 1, 2024 to December 31, 2024, as selected customer4, you enjoy up to HKD6,800 Cash Rebate for successful Cash Out Installment application via Mobile Banking / Online Banking.
Loan Amount Cash Rebate
Loan Repayment Period
12-36 Months		 Loan Repayment Period
48 Months or above
HKD30,000 - HKD99,999 HKD400 HKD800
HKD100,000 - HKD199,999 HKD800 HKD1,600
HKD200,000 - HKD299,999 HKD1,000 HKD2,500
HKD300,000 or above HKD2,000 HKD6,800
The above offer is only applicable to loan with Monthly Flat Rate of 0.24% or above.
Sufficient Liquidity Manage Wealth Easily
Example: Calculated by Every Cash Out Amount of HKD10,000, 12-month repayment period and monthly flat rate 0.12%5
Monthly Interest Daily Interest Monthly Repayment Amount
HKD12.00 HKD0.40 HKD845.33
  • The calculation of Monthly Interest, Daily Interest and Monthly Repayment Amount are rounded to the nearest two decimal places.
  • Daily interest is calculated based on 30 days in a month.
  • Please refer to the SMS/email for your Preferential Monthly Flat Rate
Repayment options 6/12/18/24/36/48/60/72 months
No document is required7！
Promotion Period till: December 31, 2024

Watch Mobile Banking Application Guide Now
(Chinese Only)

Transcript – Chinese version only (PDF File)
Download and enroll Mobile Banking

Step 1: Tap “Logon” at mobile banking main page.

Step 2: Tap “New User / Registration / Activation” at Logon page.

Step 3: Tap "Register Now".

Step 4: Enter your personal and account information.

Step 5: Enter the One-Time Password you received.

Step 6: Set your Username and Password.

Step 7: You have successfully completed the registration procedure.

Login to Mobile Banking and select “Credit Card / Loan”,
then select “Cash Out Installment” under “Menu”

Simple Steps for Application via Online Banking
Remarks:
  1. Combined credit limit is applicable to all your CCB (Asia) Credit Card Account(s) (except Business Cards).
  2. “Successful Cash Out Installment Application via eBanking Offer” only applies to loan application with Monthly Flat Rate of 0.24% or above or loan amount more than HKD30,000. Each Applicant can receive Cash Rebate once only. If Eligible Customer chooses to make early settlement or cancel the Installment Program, the Bank reserves the right to charge such Eligible Customer an amount equivalent to the amount of the Cash Rebate granted. Please refer to relevant Terms and Conditions for details.
  3. For application made via Mobile Banking / Online Banking before mid-November 2024, the cashed amount will be sent in the form of cheque. For application made via Mobile Banking / Online Banking after mid-November 2024, the cashed amount will be directly deposited to the bank account in the name of Cardmember via Faster Payment System (“FPS”) or to the Bank account in the name of Cardmember, depending on actual situation.
  4. Selected customers refer to card members who received the promotional materials (include MMS message / eDM) of this program (defined in clause 2 of Terms and Conditions of "Successful Cash Out Installment Application via eBanking Offer").
  5. The monthly flat rate 0.12% is only eligible to selected customers with installment amounts HKD600,000. The Bank reserves the final right on the offers. The Annualized Percentage Rate (“APR”) for monthly flat rate 0.12% is calculated as follows: 6-month repayment period is 2.49%, 12-month repayment period is 2.68%, 18-month repayment period is 2.75%, 24-month repayment period is 2.78%, 36-month repayment period is 2.80%, 48-month repayment period is 2.81%, 60-month repayment period is 2.81%, 72-month repayment period is 2.80%. Our Annualized Percentage Rate 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. Cardmember can choose the repayment period 6/12/18/24/36/48/60/72 months.
  7. The Bank reserves the right to request supplement documents from Cardmember depending on each individual case.

Remark: In the event of early repayment of the Cash Out installment amount, the Bank will charge the Cardmember a termination fee of HKD1,000. Please refer to the Terms and Conditions for details.

Click here for Terms and Conditions of “Cash Out Installment Program”.

Click here for Terms and Conditions of “Successful Cash Out Installment Application via eBanking Offer”.

Click here for Key Facts Statement (KFS) for Installment Loan and Illustrative Example of Making Early Repayment.

Click here for the Frequently-Asked-Questions.

To borrow or not to borrow? Borrow only if you can repay!
APPLY NOW
online banking
Apply at Online Banking

Login to Online Banking and select “Credit Cards”, then select “Cash Out Installment Program”
under “Installment Loans / Cash Out”
ccb app
Apply at Mobile Banking

Search CCB (Asia) Mobile App from Apple Store or Google Play
Login to Mobile Banking and select “Credit Card / Loan”, then select “Cash Out Installment” under “Menu”

chatbot
Online Customer Services
Hotline
Apply via Credit Card Installment Hotline#
317 95518
專人
Register Online, we will contact you shortly
#Connect direct to our representative after choice of language. Office Hours: Monday – Friday: 9:00am – 8:00pm, Saturday: 9:00am – 1:00pm, closed on Sunday and public holidays.
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