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!

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

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

  1. Log on to HSBC Reward+ and choose 'Account'. You can start your application journey by selecting (1) 'View account details and transactions' or (2) 'Spending Instalment Plan'

  2. (1) While you are checking your transaction details, you can set up payment by instalments for your account balance or any eligible transaction

  3. (2) You can also start your application journey directly and check your application record under 'Spending Instalment Plan' on the 'Account' page

  4. Input the instalment amount and select the number of repayment periods. Pricing details will be refreshed accordingly.

  5. After reviewing and submitting your application, you can tap 'Check your application result'

  6. You can get instant approval results during the system's online hours1. SMS notifications will be sent to you upon approval.


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 $1,200 RewardCash! Terms and conditions apply.