Promotion Period：1 January 2023 to 31 December 2023

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

Would you like to enjoy a hassle-free shopping experience even after receiving your credit card statement? Simply apply Bank of Communications Credit Card Purchase/Statement Instalment Plan to settle the bill by instalment. Apply via Internet Banking or Mobile Banking after login to enjoy convenient and instant approval!

• Cardholders can apply for Purchase Instalment Plan with any retail transaction of HK$1,000 or above and it is applicable to various transactions.
• Cardholders can apply for Statement Instalment Plan with minimum instalment amount of HK$1,000 and choose to apply for full or partial amount of instalment. 
• Interest Free^ with one-off handling fee as low as 2.5%. Please click here for handling fee promotion details.
• Up to 24-month repayment period

^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.

Easy steps to apply via Internet Banking:
1. Login online banking and select “Credit Card” on the left column > “Credit Card Instalment Plan”  
2. Select “Purchase Instalment Plan” or “Statement Instalment Plan”
3. Input instalment amount, repayment period and other information
4. Get instant approval result

Application Methods:
Please apply at least 5 working days preceding the payment due date¹ via the following channels²:
1. Apply via Internet Banking after login³
2. Apply via Mobile Banking after login³

3. Application Hotline 2531 2322
4. Complete the Application Form
- Mail to 12/F, Bank of Communications BLDG, 368 Hennessy Road, HK or
- Submit to any outlets in person or
- Fax3 2591 9968

Remarks:
1. Based on the date when the Bank receives the application
2. Instalment application for supplementary card need to be handled by the principal cardholder
3. If you have already submitted the application via Fax or Internet Banking or Mobile Banking, please do not Mail the application form to us in order to avoid duplication

Purchase/Statement Instalment Plan is subject to terms and conditions, please click here for plan details and terms and conditions. For the Frequently Asked Questions of handling fee and principal in each monthly repayment, please click here. Please click here for Bank of Communications Credit Card “Flexi” Purchase Instalment Plan terms and conditions of promotion until 26 March 2021.

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