The world's local bank
- HSBC Premier MasterCard
- HSBC Advance Visa Platinum Card
- Visa Platinum Card
- green credit card
- Gold Credit Cards
- Classic Credit Cards
- Foreign Currency Credit Cards
- Other Credit Cards
- Private Label Cards
- Year-round offers
- RewardCash
- Cash Credit Services
- Octopus Automatic Add-Value Service
- FAQ
- Download Forms and Documents
- Credit Card Application Form
Cash Credit Services
About Cash Credit Services
HSBC credit card offers you Cash Credit Instalment Plan and Cash Credit Plan that allow you to get extra cash and expand financial flexibility to realise your personal goals. With these plans, you can convert your available credit limit into instant cash or transfer the outstanding balance from other credit cards to your HSBC credit card account.
Cash Credit Instalment Plan
Cash Credit Instalment Plan offers you a fixed monthly repayment to budget accurately.
Exclusive Benefits
- Enjoy interest-free1 throughout the full repayment period
- Choice of a 12-month or 24-month repayment period
- Personalised monthly handling fee2 as low as 0.27% of the withdrawal amount
- Simply call to apply and no document is required3
Cash withdrawal amount |
Personalised monthly handling fee |
Repayment period |
Monthly repayment amount |
HK$60,000 |
0.27% |
24-month |
(HK$60,000 ÷ 24) + (HK$60,000 x 0.27%) = HK$2,662 |
Next Steps...
- To enquire your personalised handling fee or apply, please call our 24-hour Application Hotline on 8229 9992
- Download Application Form, complete and return it by post
Cash Credit Plan
Cash Credit Plan offers you extra cash with flexible repayment.
Exclusive Benefits
- 100-day interest-free period4
- One-off handling fee5 of HK$60 per approved withdrawal amount of HK$10,000
- Only need to pay the monthly minimum payment shown on your credit card statement to enjoy the 100-day interest-free offer
- Simply call to apply and no document is required3
Next Steps...
- To enquire your personalised handling fee or apply, please call our 24-hour Application Hotline on 8229 9992
- Download Application Form, complete and return it by post
- No interest is payable by the cardholder who makes full repayment of the statement balance specified in the cardholder's HSBC credit card account statement on or before the payment due date of each month.
- The annualised percentage rate for a monthly handling fee as low as 0.27% of the approved withdrawal amount is 6.09% (calculated based on a 12-month repayment period); 6.28% (calculated based on a 24-month repayment period).
- Only applicable to applications of transferring the withdrawal amount from HSBC credit card account to cardholder's designated HSBC personal bank account, no document is required.
- The 100-day interest-free period is applicable to only the withdrawal amount approved by HSBC and is effective for 100 calendar days from the date the withdrawal amount is debited to the cardholder's HSBC credit card account.
- For every HK$10,000 approved withdrawal amount, HSBC will levy a one-off handling fee of HK$60 (highest annualised percentage rate is 28.81%).
Remark: Annualised percentage rate is calculated according to the method set out in the relevant guidelines referred to in the Code of Banking Practice. Please refer to the related application form for the terms and conditions of the above two plans.
