AIA Premium Installment Spending Reward

Set Up an ‘AIA Hong Kong Premium Installment Plan’ with CCB (Asia) Credit Card to Pay Your AIA Premiums and Enjoy Interest Rebate

CCB (Asia) Credit Card
Key Facts Statement (KFS) for Insurance Premium Spending Installment Program
Enjoy up to HK$900 Interest Rebate for each Policy and Earn 1 Bonus Point for Every HK$1 Spent on Insurance Premiums

From January 1, 2026 to March 31, 2026, eligible Cardmembers who successfully set up a new1 HK$15,000 or above AIA Hong Kong Premium Installment Plan2 for designated AIA New Policy or Existing Policy premium payment with an applicable Credit Card and can get fabulous rewards list below:

Reward 1

Enjoy up to HK$900 Interest Rebate with Every New Policy Setup1

New Setup AIA Premium Installment Amount
(for each policy)		 Interest Rebate for One-off3
Installment Plan		 Interest Rebate for Multiple4
Installment Plan
HK$15,000 to HK$24,999 HK$100 HK$300
HK$25,000 to HK$34,999 HK$200 HK$600
HK$35,000 or above HK$300 HK$900
Remarks: The installment plan monthly interest shall be equal to 0.3% of the total installment amount chargeable over the repayment period. (For reference, the annualized percentage rates are respectively 6.32%, 6.63%, 6.78% and 6.93% for 6-, 9-, 12- and 18-month repayment periods). The APR is calculated according to the standard of Hong Kong Association of Banks and 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. Terms and Conditions apply, for details please refer to “AIA Hong Kong Premium Installment Plan Application Form”.
Reward 2

Earn 1 Bonus Point for Every HK$1 Spent on Insurance Premiums

Earned bonus points can be redeemed for desired rewards, such as cash rebate, Asia Miles etc.
For “Bonus Points Reward Programme” details, please click here.
Remarks:
  1. New Setup means the concerned AIA Policy premium was not paid by AIA Hong Kong Premium Installment Plan in the previous policy anniversary (i.e., within 12 months prior to the setup of a premium installment plan).
  2. Premium installment plan of HK$15,000 or above is calculated per policy.
  3. One-off Installment Plan – An installment plan for the next premium payment under the relevant policy will be set up on the applicable credit card, in accordance with the instructions of AIA International Limited (Incorporated in Bermuda with limited liability) (“AIA”).
  4. Multiple Installment Plan – i) Upon each due premium payment under the relevant policy, an installment plan will be set up on the applicable credit card in accordance with the instructions of AIA International Limited (Incorporated in Bermuda with limited liability) (“AIA”); ii) The total installment amount for each due premium may be subject to change based on the terms and conditions of the policy; iii) If Cardmembers wish to terminate the future multiple installment plan, Cardmembers must submit a written request at least 1 month before the next premium due date to AIA (AIA will notify China Construction Bank (Asia) Corporation Limited (“CCBA”)); and iv) If cardmembers wish to make early repayment, please contact our Customer Service Hotline to request or enquire about it.
  5. AIA Financial Planners may receive incentive for the referral/premium installment plan upon referral/arrangement of the premium installment plan.

Terms and Conditions apply.

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Terms & Conditions
AIA HONG KONG PREMIUM INSTALLMENT PLAN” INTEREST REBATE - (“THE PROGRAM”) Terms & Conditions
  1. THE PROGRAM – This Program is only available for principal and supplementary cardmember(s) (the “Cardmember(s)”) paying AIA International Limited (Incorporated in Bermuda with limited liability) (“AIA”) policy premium by designated payment methods through Visa, MasterCard and UnionPay Dual Currency credit cards (except Corporate Credit Cards) ("Card(s)") issued by China Construction Bank (Asia) Corporation Limited. (“we”, “us” or “our”). The Program Period is from January 1, 2026 to March 31, 2026 (both dates inclusive) (the “Program Period”).
  2. “AIA HONG KONG PREMIUM INSTALLMENT PLAN” INTEREST REBATE - During Program Period, if any Cardmember successfully settles the premium of an AIA Policy under the AIA Hong Kong Premium Installment Plan, such Cardmember shall be entitled to the following interest rebate for each AIA Policy:
    1. successfully set up a new 6, 9, 12 or 18 months’ AIA Hong Kong Premium Installment Plan (“Eligible Installment Plan”) with us for payment of premium of a designated AIA new Policy or existing Policy (“AIA Policy”); and have not paid the relevant AIA Policy premium by AIA Hong Kong Premium Installment Plan within 12 months prior to the setup of a premium installment plan, can enjoy the following reward:
      New Setup AIA Premium Installment Amount (for each policy) Interest Rebate for One-off Installment Plan Interest Rebate for Multiple Installment Plan
      HK$15,000 to HK$24,999 HK$100 HK$300
      HK$25,000 to HK$34,999 HK$200 HK$600
      HK$35,000 or above HK$300 HK$900
    2. AIA Hong Kong Premium Installment Plan’s monthly interest shall be equal to 0.3% of the total installment amount chargeable over the instalment period. For reference, the annualized percentage rates (“APR”) are 6.32%, 6.63%, 6.78% and 6.93% respectively for 6-, 9-, 12- and 18-month instalment periods. The APR is calculated according to the standard of Hong Kong Association of Banks and 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;
    3. New Setup means the concerned AIA Policy premium was not paid by AIA Hong Kong Premium Installment Plan in the previous policy anniversary (i.e., within 12 months prior to the setup of a premium installment plan);
    4. One-off Installment Plan – An installment plan for the next premium payment under the relevant policy will be set up on the applicable credit card, in accordance with the instructions of AIA International Limited (Incorporated in Bermuda with limited liability) (“AIA”);
    5. Multiple Installment Plan – i) Upon each due premium payment under the relevant policy, an installment plan will be set up on the applicable credit card in accordance with the instructions of AIA International Limited (Incorporated in Bermuda with limited liability) (“AIA”); ii) The total installment amount for each due premium may be subject to change based on the terms and conditions of the policy; iii) If Cardmembers wish to terminate the future multiple installment plan, Cardmembers must submit a written request at least 1 month before the next premium due date to AIA (AIA will notify China Construction Bank (Asia) Corporation Limited (“CCBA”)); and iv) If cardmembers wish to make early repayment, please contact our Customer Service Hotline to request or enquire about it.
  3. NEW SETUP "AIA HONG KONG PREMIUM INSTALLMENT PLAN" - must be established through AIA using the "China Construction Bank (Asia) Corporation Limited - AIA Hong Kong Premium Installment Plan Application Form," subject to the relevant terms and conditions. Please refer to the application form for details.
  4. EXCLUDED PREMIUM TRANSACTIONS – a) Premium payment that AIA does not accept credit card payment; b) Premium payment for AIA insurance policies which are held by person other than Cardmember(s) and/or his/her direct family members (including his/her parents, children and spouse); (c) Transactions not posted within 7 working days after the end of program period.
  5. SUPPLEMENTARY CARDS – AIA Hong Kong Premium Installment Plan newly setup by supplementary Cardmember(s) during the Program Period will be considered to be made by the principal Cardmember(s) for the purpose of the Program. The related reward earned will be counted to the principal Cardmember Card account(s).
  6. NOTIFICATION OF THE REWARDS – The rewards will be credited to Eligible Card accounts for the payment of the policy premiums in our records on or before June 30, 2026. Rewards can only be applied against outstanding amount in Card account statement. Reward cannot be converted into cash, and/or withdrawn as cash and is not transferable. If the reward amount would be drawn by any means as cash or transfer to other accounts, relevant fees and charges will be incurred (If the premiums of the AIA policy are paid using more than one credit card issued by us, the rebate will be credited to the credit card account used for the first payment of the policy premiums).
  7. ELIGIBILITY – The eligibility of any Cardmember(s) under the Program shall be restricted to:
    1. The Cardmembers’ existing Card account(s) must be valid and in good standing (as determined by the Bank in the Bank’s sole and absolute discretion) at all times during the Program Period and at the time of releasing the reward; and
    2. The terms and conditions issued by AIA on premium payment by credit card must be complied with; and
    3. At the time of releasing the reward, the AIA Hong Kong Premium Installment Plan must not be cancelled or repaid early; and
    4. No installment plan relating to premium payment via the credit card issued by CCB (Asia) prior to the New Setup AIA Hong Kong Premium Installment Plan (if applicable), and/or no installment payment transaction for premium payment via the credit card issued by CCB (Asia) during the past 12 months (i.e., within 12 months prior to the setup of the AIA Hong Kong premium Installment Plan).
  8. OUR RECORD PREVAILS – Our records of rewards earned under the Program and all decisions regarding the rewards shall (unless there is an obvious error) be final and binding upon all AIA Financial Planners and Cardmembers.
  9. BONUS POINT CAP ON DESIGNATED TRANSACTIONS - The total Bonus Points earned for each calendar year (from 1 January to 31 December) (“Calendar Year”) will be capped at 1 time of the latest approved permanent combined credit limit (not applicable to temporary increase in credit limit) of credit card account for payment(s) to insurance companies, repayment amount of Hire Purchase/ Leasing Agreement of CCB(Asia) and transaction(s) of online bill payment(s) which are paid by Credit Card. See Terms and Conditions of the Bonus Points Reward Program at CCB (Asia) Credit Card Bonus Points Reward Program webpage for details.
  10. 7-DAY COOLING-OFF PERIOD – Effective from 30 June, Borrower who successfully apply Spending Installment Program may apply for early repayment in full within 7 calendar days of the transaction date of the Spending Installment Program (“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 transaction date of the Spending Installment Program. 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.
  11. RIGHT TO VARY, ETC. – We reserve the rights to vary the Program and/or these Terms and Conditions, or to replace, cancel or withdraw the Program, at our discretion at any time.
  12. FINAL DECISION – We retain the right of final decision in any differences or disputes under the Program, and shall not be responsible or liable for any claims or liability resulting from any AIA Financial Planner’s and Cardmember’s participation in the Program howsoever suffered or incurred.
  13. No person other than the parties to this Program will have any right under the Contracts (Rights of Third Parties) Ordinance (Chapter 623 of the Laws of Hong Kong) to enforce the terms of this Program or enjoy the benefit of any provisions of this Program. Application of the Contracts (Rights of Third Parties) Ordinance (Chapter 623 of the Laws of Hong Kong) is hereby expressly excluded.
  14. ENGLISH VERSION PREVAILS – In case of any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.