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For Key Facts Statement (KFS) for Instalment Loan of Purchase/Statement Instalment Plan, please click here.
Promotion Period: 1 January 2026 - 31 March 2026
During the promotion period, cardholders who successfully apply for Purchase/Statement Instalment with Bank of Communications Credit Card and fulfill the accumulative instalment amount with designated repayment period, can enjoy up to HKD2,000 Spending Rebate:
|
Accumulated Instalment Amount |
Repayment Period1 |
Spending Rebate2 |
|
HKD10,000 - HKD39,999.99 |
12 or 24 months |
HKD200 |
|
HKD40,000 - HKD69,999.99 |
HKD650 |
|
|
HKD70,000 - HKD99,999.99 |
HKD1,200 |
|
|
HKD100,000 or above |
HKD2,000 |
Rebate Example
Cardholders who apply for accumulated HKD100,000 Purchase/Statement Instalment with 12 months repayment period with Bank of Communications Credit Card within the promotion period, can enjoy HKD2,000 Spending Rebate!
|
One-off Handling Fee3 |
Spending Rebate |
Actual Cost after Spending Rebate |
|
HKD3,500 (HKD100,000 x 3.5%) |
HKD2,000 |
HKD1,500
|
The above example is for reference only, please refer to the actual situation.
Application Methods
Please apply at least 3 working days preceding the payment due date4 via the following channels:
1. Internet Banking5 (After login, select “Credit Card” > “Credit Card Instalment Plan”)
2. Mobile Banking5 (After login, select “Credit Card” > “Credit Card Instalment Plan”)
3. Fax: 2591 9968
4. Mail Address: GPO Box 12129, Hong Kong
5. Submit to our outlets in person
(Please do not submit same application via different channels in order to avoid duplication)
Easy Application Steps
1. After Login, click “Credit Card” > “Credit Card Instalment Plan”
2. Click “Purchase Instalment Plan” or “Statement Instalment Plan”
3. “Purchase Instalment”: Select the transactions to apply instalment and repayment period
“Statement Instalment”: Input instalment application amount and select repayment period
4. Get Instant approval result
Remarks:
1. Cardholders must select 12 or 24 months as repayment period to enjoy the Spending Rebate.2. The Spending Rebate will be calculated according to the successful eligible accumulated instalment amount applied during promotion period. Each Principal cardholder (based on the Credit Card number) can enjoy the plan for once with a maximum of HKD2,000 Spending Rebate.
3. In accordance with the repayment period of 12 months and 24 months, the one-off handling fee for the application of the Instalment Plan (according to the retail purchase transaction amount) should be 3.5% and 6% on applied amount respectively and the related APRs are 6.79% and 6.15%. The APRs are calculated according to the guidelines of the Code of Banking Practice and will be rounded up to nearest two decimal places. APR is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualised rate.
4. Based on the date when the Bank receives the application.
5. The Accumulated Instalment Amount of a Supplementary card will be counted under its Principal card, and Supplementary card is not applicable to participate in the Spending Rebate Program or entitle to Spending Rebate.
The promotion is subject to terms and conditions.
Useful Links
• Purchase/Statement Instalment Rewards Promotion Terms and Conditions
• Purchase/Statement Instalment Plan Application Form and Terms and Conditions
To borrow or not to borrow? Borrow only if you can repay!
Bank of Communications (Hong Kong) Limited (Incorporated in Hong Kong with limited liability)
Customer Service Hotline: 223 95559
Please visit any of