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Instant Approval for Spending Instalment Plan with Reward+

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.

  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.


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. Based on the perception rating results from the Kantar TNS Pulse Study conduct in the first half of 2018 that covered a population representative sample of Hong Kong credit card holders.

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Call 2748 8033
Visit www.hsbc.com.hk/creditcard

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

Reference number: Y9-U8-CAMH4102R

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Apply for an HSBC Credit Card to enjoy up to $900 RewardCash! Terms and conditions apply.