For Key Facts Statement (KFS) for Instalment Loan of Cash Instalment Plan, please click here.

Bank of Communications Credit Card reserves the instant cash for you. You can convert your available credit limit into instant cash and deposit in any bank account in HK to meet your goals, including tax payment, travel or shopping etc!

• 0% interest^{^}
• Monthly handling fee as low as 0.18% of the withdrawal amount
• Cash will be credited to bank account as fast as 5 working days
• Up to 36 months repayment period
• Simple repayment by credit card

^{^}If full payment of the outstanding current balance as stated in credit card statement is received by the Bank on or before the due date, no interest shall be payable by cardholder. Otherwise interests, finance charge and other fees, if applicable, shall be charged pursuant to the cardholder agreement.

Application Methods:
1) Internet Banking (After login, select "Credit Card" >“Cash Instalment Plan")
2) Mobile Banking (After login, select "Credit Card" > "Cash Instalment Plan")
3) Application Hotline¹：2531 2322
4) Fax Hotline: 2591 9968
5) Mail Address: GPO Box 12129, Hong Kong
6) Submit to our outlets in person
(Please do not submit same application via different channels in order to avoid duplication)

Remarks:
1. Application Hotline Service Hours: Monday to Friday 9 a.m. to 9 p.m.; Saturday 9 a.m. to 6 p.m.(exclude public holidays).

Cash Instalment Plan is subject to terms and conditions.

Useful Links

Cash Instalment Plan Application Form and Terms and Conditions

Example and Frequent Asked Questions of Bank of Communications Credit Card Cash Instalment Program


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