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 and Lucky Draw

CCB (Asia) Credit Card
Key Facts Statement (KFS) for Insurance Premium Spending Installment Program
Enjoy up to HK$600 Interest Rebate and enter a lucky draw to win up to HK$4,000 Cash Award for each Policy and Earn 1 Bonus Point for Every HK$1 Spent on Insurance Premiums

From October 1, 2025 to December 31, 2025, eligible Cardmembers who successfully set up a new1 HK$15,000 or above 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$600 Interest Rebate with Every New Policy Setup1

New Setup AIA Premium Installment Amount Interest Rebate for One-off3
Installment Plan		 Interest Rebate for Multiple4
Installment Plan
HK$15,000 to HK$24,999 HK$100 HK$200
HK$25,000 to HK$34,999 HK$200 HK$400
HK$35,000 or above HK$300 HK$600
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

Successfully Set Up a “Multiple Installment Plan4” to Receive a Lucky Draw5 Chance and enjoy up to HK$4,000 Cash Award

Cardmembers who successfully set up a new “Multiple Instalment Plan4” to settle either a newly purchased AIA policy or an existing policy premium can receive 1 lucky draw5 chance for every HK$15,000 premium. The lucky draw consists of 3 phases:
Phase 1: October 1, 2025 to October 31, 2025
Phase 2: November 1, 2025 to November 20, 2025
Phase 3: November 21, 2025 to December 31, 2025
Lucky Draw Prize Cash Award
1 HK$4,000
2 HK$3,200
3 HK$2,400
4 HK$1,600
5-30 HK$800
31-50 HK$400
Reward 3

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. Newly set up refers to an AIA policy premium in the previous policy anniversary were not paid by "AIA Hong Kong 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 at 3179 5533 to request or enquire about it.
  5. No limit on number of lucky draw chances cardmember may participate, 50 winners will be drawn in each phase, each cardmember may win once within the program. The lucky draw consists of 3 phases. If a cardmember doesn't win in a phase, their accumulated lucky draw chances will automatically carry over to the next phase for continued participation.

Terms and Conditions apply.

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Terms & Conditions
AIA Premium Installment Spending Reward - (“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 October 1, 2025 to December 31, 2025 (both dates inclusive) (the “Program Period”).
  2. NEW SETUP AIA PREMIUM INSTALLMENT INTEREST REBATE – During Program Period, cardmember successfully New Setup AIA Premium Installment settle designated AIA New Policy or Existing Policy premium payment, to enjoy the following interest rebate:
    1. Successfully New Setup a 6, 9, 12 or 18 months AIA premium installment plan (“Eligible Installment Plan”) for AIA premium payment for New Policy or Existing Policy, can enjoy the following interest rebate:
      New Setup AIA Premium Installment Amount (calculated per policy) Interest Rebate for One-off Installment Plan Interest Rebate for Multiple Installment Plan
      HK$15,000 to HK$24,999 HK$100 HK$200
      HK$25,000 to HK$34,999 HK$200 HK$400
      HK$35,000 or above HK$300 HK$600
    2. 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;
    3. New Setup means the concerned AIA policy premium was not paid by AIA premium installment plan in previous policy anniversary;
    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 (“CCB (Asia)”); and iv) If cardmembers wish to make early repayment, please contact our Customer Service Hotline at 317 95533 to request or enquire about it.
  3. NEW SETUP MULTIPLE INSTALLMENT PLAN LUCKY DRAW – During the program period, cardmembers who successfully set up a new "Multi-Premium Instalment Plan" using an eligible credit card to settle either a newly purchased AIA policy or an existing policy premium of HK$15,000 or more (calculated per policy) will receive 1 lucky draw chance for every HK$15,000 premium per eligible policy. The lucky draw consists of 3 phases:
    Phase 1 October 1, 2025 to October 31, 2025
    Phase 2 November 1, 2025 to November 20, 2025
    Phase 3 November 21, 2025 to December 31, 2025
    1. No limit on number of lucky draw chances cardmember may participate, 50 winners will be drawn in each phase, each cardmember may win once within the program. The lucky draw consists of 3 phases. If a cardmember doesn't win in a phase, their accumulated lucky draw chances will automatically carry over to the next phase for continued participation.
      Lucky Draw Prize Cash Award
      1 HK$4,000
      2 HK$3,200
      3 HK$2,400
      4 HK$1,600
      5-30 HK$800
      31-50 HK$400
  4. NEW SETUP "ELIGIBLE INSTALLMENT PLAN" - must be established through AIA using the "China Construction Bank (Asia) Corporation Limited - AIA Premium Installment Plan Application Form," subject to the relevant terms and conditions. Please refer to the application form for details.
  5. 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.
  6. SUPPLEMENTARY CARDS – Eligible Installment Plan New Setup by supplementary Cardmember(s) of the Card during the Program Period will be considered to be made by the principal Cardmember(s) of the Card for the purpose of the Program. The related reward earned will be counted to the principal Cardmember Card account(s).
  7. NOTIFICATION OF THE REWARDS – The rewards will be credited to Eligible Card accounts with the highest net spending amount in our records on or before February 28, 2026. Rewards can only be applied against outstanding in Card account statement. Rewards 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.
  8. ELIGIBILITY – The eligibility of any Cardmember(s) under the Program shall be restricted to:
    1. Checking of the account status of all of his/her existing Card account(s) by us and shall be conditional upon such Card account(s) being valid and in good standing (as determined by us in our sole and absolute discretion) at all times during the respective Program Period and at the time of releasing the reward; and
    2. The terms and conditions set up by AIA on premium payment by credit card; and
    3. At the time of releasing the reward, the Eligible Installment has not been cancelled or repaid early; and
    4. The Eligible Installment policy has not been set up with Installment for payment via our credit card before this new Installment set-up (if applicable), and/or did not have any Installment payment transaction via our credit card during the past 12 months.
  9. 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 Cardmembers.
  10. BONUS POINT CAP ON DESIGNATED TRANSACTIONS OF CREDIT CARD - The total Bonus Points earned for each calendar year (from January 1 to December31) (“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.
  11. 7-DAY COOLING-OFF PERIOD – Effective from June 30, 2025, 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.
  12. 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.
  13. 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 Cardmember’s participation in the Program howsoever suffered or incurred.
  14. 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 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.
  15. AIA Financial Planners may receive incentive for the referral/premium installment plan upon referral/ arrangement of the premium installment plan.
  16. ENGLISH VERSION PREVAILS – In case of any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.