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Cash Instalment Plan

Kick-start new adventures and get easy access to cash

HSBC Cash Instalment Plan

Be able to provide for your children with the means to pursue their dreams, embark on a long-awaited holiday, or even buy items to furnish your new home. HSBC Cash Instalment Plan1 helps you kick-start new adventures and get easy access to cash from your HSBC credit card with your choice on repayment period and fixed monthly repayment amount for better financial planning.

1HSBC Cash Instalment Plan is a feature on your HSBC credit card that allows you to obtain a loan on your credit card at an attractive interest rate and up to a maximum of 90% of your available credit card limit.

Key features

  • Attractive interest rates
  • Fixed monthly repayments
  • Greater flexibility through choice of repayment period from 12 to 60 months
  • Hassle-free application

How it works

Choose from a range of tenors from 12 to 60 months. With repayments divided into equal monthly instalments and promotional interest rates from as low as 3.68% p.a. (EIR 7.28% p.a.), your finances can now be better managed.

Plan details
Tenor (years) Applied Rate (p.a.) Processing Fee Effective Interest Rate (p.a.)2
1 - 5  From 3.68% From 1% From 7.28%
Plan details
Tenor (years) 1 - 5 
Applied Rate (p.a.) From 3.68%
Processing Fee From 1%
Effective Interest Rate (p.a.)2 From 7.28%

SMS 'CIP' to 74722 and we'll contact you shortly with the latest promotional rates.

2The Effective Interest Rate (EIR) is calculated taking into consideration one-time processing fee being charged upfront and monthly instalment amount being paid off in full, until end of tenor. EIR is subject to compounding if the monthly instalment amount is not paid in full.

Eligibility and fees

Eligibility requirements

  • Only applicable for primary HSBC credit cardholders.
  • Not applicable for all US Dollar cards and corporate cards.

Frequently Asked Questions

Apply now


Simply SMS CIP to 74722.

An HSBC customer service officer will then contact you on your application within three working days.

Apply by phone

Contact us on 1800-HSBC NOW (4722 669) to apply.

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