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Current Location >> Personal Banking>> Credit Card>> Spending & Purchase Instalment>> Purchase/Statement Instalment Plan


Promotion Period:1 January 2024 to 31 December 2024

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%.
• 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 channels)

1. Internet Banking2 (After login, select “Credit Card” > “Credit Card Instalment Plan”)
2. Mobile Banking2 (After login, select “Credit Card” > “Credit Card Instalment Plan”)
3. Application Hotline3: 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)

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. 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).

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
Handling Fee Promotion Details
The Bank of Communications Credit Card “Flexi” Purchase Instalment Plan terms and conditions of promotion on or before 26 March 2021

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

Contact Us

Customer Service Hotline: 223 95559

Please visit any of our outlets