CCB (Asia) Credit Card Installment Loan Program

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

  • Chill Spending
  • Cash Out

Selected Customers enjoy Monthly Flat Rate as low as 0.16%1 for Credit Card Spending and Insurance Premium Installments

“Chill” Spending Installment Program
Split purchases with “Chill” Spending Installment Program anytime, enjoy Monthly Flat Rate as low as 0.16% and up to HK$1,500 Interest Rebate for first successful application made via Mobile/Online Banking. Manage your finances with greater flexibility and ease!
Also, enjoy up to HK$400 Interest Rebate for Insurance Premium Spending Installment. Customers must call CCB (Asia) Credit Card Installment Hotline 317 95518 to enjoy the offer.
Details of Insurance Premium Spending Installment
Installment Amount Insurance Premium Spending Installment Interest Rebate
Tenor
12 months		 Tenor
18-72 months
HK$15,000 - HK$19,999 HK$50 HK$100
HK$20,000 – HK$39,999 HK$100 HK$200
HK$40,000 – HK$59,999 HK$200 HK$300
HK$60,000 or above HK$300 HK$400
Apply for Spending Installment via Mobile Banking
Better Budgeting with Flexible Installment Plans
Login to Mobile Banking to Apply Now!
Interest Rebate
up to HK$1,500
Monthly Flat Rate
as low as 0.16%2
Repayment options
up to 72 months
Easy Application
via Mobile Banking
“Chill” Spending Installment First Successful Application via eBanking offer
From October 1, 2026 to November 30, 2026 ("Promotion Period"), Selected Customers can get up to HK$1,500 Interest Rebate1 for your first successful application to the “Chill” Spending Installment Program made via Mobile/Online Banking.
Installment Amount 「First Successful “Chill” Spending Installment Application via eBanking Interest Rebate
Tenor
12-18 months		 Tenor
24-60 months
HK$1,000 - HK$4,999 HK$50 HK$50
HK$5,000 - HK$9,999 HK$50 HK$100
HK$10,000 – HK$49,999 HK$100 HK$200
HK$50,000 – HK$79,999 HK$200 HK$400
HK$80,000 - HK$99,999 HK$500 HK$1,000
HK$100,000 - HK$149,999 HK$800 HK$1,200
HK$150,000 or above HK$1,000 HK$1,500
Monthly Flat Rate as low as 0.16%2
Repayment options 6/12/18/24/36/48/60/72 months
Unlimited number of applications. No document required!
Promotion period till November 30, 2026
How to apply “Chill” Spending Installment Program
via CCB (Asia) Mobile App
Existing Customers
New Customers
“Chill” Spending Installment Program Mobile Banking Application Steps
Step 1:
Log on to CCB (Asia) Mobile Banking
  1. Go to “Credit Card / Loan”
  2. Select “Spending Installment”
Step 2:
  1. Please read Terms and Condition and agree to the application, then tick the checkbox
  2. Click “Next”
Download and activate Mobile Banking now
Login to Mobile Banking after activation and follow the steps below to apply for spending installments
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
Step 8:
Log on to CCB (Asia) Mobile Banking
  1. Go to “Credit Card / Loan”
  2. Select “Spending Installment”
Step 9:
  1. Please read Terms and Condition and agree to the application, then tick the checkbox
  2. Click “Next”
The following transaction is also
eligible for installment
Credit Card Electronic Fund Transfer (FPS) and
Spending Installment
Just 3 steps for more flexible fund transfers

Credit Card Electronic Fund Transfer
Use your available credit card limit to do Electronic Fund Transfer via Mobile Banking.

Instant Fund Receive
Transfer at ease such as paying rent, making large daily purchases, shopping, travelling, paying taxes or insurance premiums, you can use the funds according to your personal needs.

Apply for Spending Installment after transaction posts
After the transaction is posted and appears on your credit card statement, apply for a spending installment through designated channels.

How to do Electronic Fund Transfer from Credit Cards via Mobile Banking
How to adjust Transfer Limits at Mobile Banking & Online Banking
Step 1:
After login Mobile Banking, go to "Transfer/Payment"
Step 2:
Select "FPS/ Local Bank Transfer"
Step 3:
Select "Debit Account"
3.8% handling fee will apply to the transferred amount (Minimum HKD40)
Step 4:
Select "New Payee"
Step 5:
Select "Transfer Method"
Step 6:
Check and confirm the "Debit Account" and "Receipt Account" and click Next
3.8% handling fee will apply to the transferred amount (Minimum HKD40)
Step 7:
Enter "Transfer Amount"
Step 8:
Verify the transaction details and "Confirm"
Step 9:
Complete
Step 1:
Login Mobile Banking
Step 2:
Select "Security Center" in the upper left corner
Step 3:
Select "Transaction Limit Setting"
Step 4:
Select "Fund Transfer" and transfer account or set a daily transfer limit
Step 5:
Select "Unregistered Accounts with CCB (Asia) and Other Local Banks"
Step 6:
Enter "Limit"
(The maximum limit for transfer to unregistered accounts is HKD 100,000)
Step 7:
Enter "Limit" and confirm
Step 8:
Enter "6-digit Mobile Token Password"
Step 9:
Complete
Remarks: 3.8% handling fee will apply to the transferred amount (Minimum HK$40). Please call CCB (Asia) Credit Card Hotline 3179 5518 for details on handling fee waiver.
Remarks：
  1. Each Cardmember will only be entitled to each Interest 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 March 16, 2025 to September 15, 2026. 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 Interest Rebate granted. Please refer to relevant Terms and Conditions for details.
  2. The 0.16% monthly flat rate offer is applicable to selected customers with installment amount of HK$100,000 or above. The Annualized Percentage Rate (“APR”) is calculated as follows: 6-month repayment period is 3.33%, 12-month repayment period is 3.58%, 18-month repayment period is 3.67%, 24-month repayment period is 3.71%, 36-month repayment period is 3.73%, 48-month repayment period is 3.74%, 60-month repayment period is 3.73%, 72-month repayment period is 3.72%. Customers are not eligible for other interest rebate offers at the same time.

Remark: “Chill” Spending Installment Program is only applicable to selected CCB (Asia) Cardmembers. Eligible selected customers who enjoy the monthly flat rate as low as 0.16% offer are not entitled to any other interest rebate offers.

Click here for Terms and Conditions for “Chill” Spending Installment Program.
Click here for Terms and Conditions for “Insurance Premium Offer”.
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 NOW
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 “Spending Installment” under “Menu”

online banking
Apply at Online Banking

Login to Online Banking and select “Credit Cards”, then select “Spending Installment” under “Installment Loans/Cash Out”
chatbot
Online Customer Services
Hotline
Apply via Credit Card Installment Hotline#
317 95518
專人
Register Online for Insurance Premium Spending Installment Program
we will contact you within 3 working days
form
Register Online for “Chill” Spending Installment Program
#Connect direct to our representative after choice of language. Office Hours: Monday – Friday: 9:00am – 6:30pm, Saturday: 9:00am – 1:00pm, closed on Sunday and public holidays.
Industry Regulatory Scheme for Marketing Calls

Get Cash at Ease via Mobile Banking and Enjoy up to HK$9,900 Interest Rebate

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 HK$9,900
Interest Rebate2
via Mobile / Online Banking
Super Low Preferential
Monthly Flat Rate
Repayment period up to
60 months6
Easy Application via Mobile Banking
Successful Cash Out Installment Application via eBanking Offer3
From October 1, 2026 to November 30, 2026, as selected customer4, you enjoy up to HK$9,900 Interest Rebate for successful Cash Out Installment application via Mobile Banking / Online Banking.
Loan Amount Interest Rebate
Loan Repayment Period
12-36 Months		 Loan Repayment Period
48 Months or above
HK$30,000 - HK$99,999 HK$400 HK$800
HK$100,000 - HK$199,999 HK$800 HK$1,600
HK$200,000 - HK$299,999 HK$1,000 HK$2,500
HK$300,000 - HK$499,999 HK$2,000 HK$3,000
HK$500,000 or above HK$3,000 HK$9,900
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 HK$100,000, 12-month repayment period and monthly flat rate 0.12%5
Monthly Interest Daily Interest Monthly Repayment Amount
HK$120.00 HK$4.00 HK$8,453.33
  • 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 months
No document is required7！
Promotion Period till: November 30, 2026

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 HK$30,000. Each Applicant can receive Interest 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 Interest Rebate granted. Please refer to relevant Terms and Conditions for details.
  3. For application made via Mobile Banking / Online Banking, 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 HK$600,000. 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%. 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 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 HK$1,000. 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.
7-DAY COOLING-OFF PERIOD – Effective from 30 June 2025, Borrower who successfully apply and drawdown the loan may apply for early repayment in full within 7 calendar days of the drawdown date ("7-day Cooling-off Period"). Any application for early repayment of the loan within the 7-day Cooling-off Period must be made by Borrower within 7 calendar days of the drawdown date. Borrower should contact the Bank's hotline 317 95518 to request early repayment of the loan and settle the Principal Loan amount in full. If the Borrower repay the loan in full within 7-day Cooling-off period, the Bank may waive the handling fee, interest and Prepayment/ Early Settlement Fee/ Redemption Fee under the relevant loan.
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”

Hotline
Apply via Credit Card Installment Hotline#
317 95518
#Office Hours: Monday – Friday: 9:00am – 6:30pm, Saturday: 9:00am – 1:00pm, closed on Sunday and public holidays.
Industry Regulatory Scheme for Marketing Calls