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 HKD1,000 or above and it is applicable to various transactions
• Cardholders can apply for Statement Instalment Plan with minimum instalment amount of HKD1,000 and choose to apply for full or partial amount of instalment
• Interest Free¹ with one-off handling fee as low as 2.5%
• Repayment period of 6/12/24 months

Application Methods

Please apply at least 3 working days preceding the payment due date³ via the following channels:

1. Internet Banking⁴ (After log-in, select "Credit Card" > "Credit Card Instalment Plan")

2. Mobile Banking⁴ (After log-in, 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 log-in, click "Credit Card" > "Credit Card Instalment Plan"

2. Click "Purchase Instalment" or "Statement Instalment"

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. 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.

2. In accordance with the repayment period of 6 months, 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 2.5%, 3.5% and 6% on applied amount respectively and the related APRs are 9.03%, 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.

3. Based on the date when the Bank receives the application.

4. Instalment application for supplementary card need to be handled by the principal cardholder.

Promotion Period: 1 January 2025 - 31 December 2025

Purchase/Statement Instalment Plan is subject to terms and conditions.

Useful Links
• Purchase/Statement Instalment Plan Application Form and Terms and Conditions
• Example and Frequently Asked Questions of Bank of Communications Credit Card Purchase/Statement Instalment Plans
• Purchase Instalment Plan and Statement Instalment Plan Terms and Conditions (Applicable to the application on or before 12 December 2025)

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)