Settle your spending with instalments now

Enjoy greater financial flexibility when you repay your credit card balance or single transaction by instalments through HSBC Reward+.

  • Applicable to any single transaction or account balances of HK$1,000 or above
  • Flexible repayment periods with preferential handling fee
  • Instant approval1

Follow the easy steps to apply via Reward+:

  1. Choose 'Account' and select 'Spending Instalment Plan'
  2. Select balance or transaction instalment
  3. Choose instalment amount and repayment period
  4. Get instant approval results

Still haven't downloaded HSBC Reward+? Don't wait any longer, download it now!

HSBC credit card, the best card in town2. The one that has it all.

What's the minimum amount that is eligible for the Spending Instalment Plan?

Can I set up multiple "Transaction Instalments" over the same transaction?

Why is my application status shown as "Pending"?

What will happen if I make a payment while the status of my Spending Instalment Plan application is "Pending"?

After my Spending Instalment Plan application is approved, can I request to make early repayment of the total outstanding amount?

Do I need to provide sales slips of the transactions or other supporting documents to apply for a Spending Instalment Plan?

Will interest be charged on my Spending Instalment Plan?

What kinds of transactions are eligible for the Spending Instalment Plan and when do I need to apply?


Click here to find out more functions on HSBC Reward+!


Please read the following remarks.

1. By using Reward+, you can submit your Spending Instalment Plan application anytime. Your applications will be processed in real-time by our system during the following periods:
Monday to Friday 09:00 to 20:00
Saturdays 09:00 to 17:00
Sundays and public holidays 09:00 to 24:00
2. The above statements are based on the perception rating results from the Kantar Pulse Study conducted between October 2019 to December 2019 that covered a population representative sample of 440 credit card holders in Hong Kong.

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To borrow or not to borrow? Borrow only if you can repay!

Reference number: Y9-U8-CAMH4102R


Apply now for an HSBC Credit Card to enjoy up to $1,000 RewardCash! Terms and conditions apply.