Cash Installment Plan

BOC Credit Card Cash Installment Plan provides you with the flexibility to convert your credit limit into cash and repay by installment, no additional document is required, with a monthly handling fee as low as 0.13%*. Apply online now to enjoy up to HK$3,000 cash rebate!


For the "BOC Credit Card Key Facts Statement for Installment Loan", please click here.


Up to HK$3,000 Cash Rebate Offer:

From 1 May to 30 June 2024, successfully apply for a "Cash Installment" Plan, "Statement Installment" Plan or "Online Bill Payment Installment" Plan through BoC Pay, Internet Banking, Mobile Banking, the BOCHK website or the BOCHK Credit Card Official Account in WeChat (“e-Channel”) with a designated monthly accumulated amount to enjoy the cash rebate below:

Monthly Accumulated Amount Cash Rebate

<New Customer# Only>

Extra Cash Rebate

Cash Installment

Upfront Administration Fee

$15,000 to $49,999 HK$100 +HK$100





$50,000 to $99,999 HK$300 +HK$300
$100,000 to $199,999 HK$500 +HK$500
$200,000 to $299,999 HK$1,000 +HK$1,000
$300,000 or above HK$2,000 +HK$1,000


#New customer refers to all accounts under the customer, who does not have any installment balance under "Cash Installment" Plan, "Statement Installment" Plan or "Online Bill Payment Installment" Plan in the past 6 months prior to the month of application.

Only applicable for tenor of 12 months or above. Terms and Conditions apply, please click here.


"Cash Installment" Plan Features:

 Enjoy a personalized preferential monthly handling fee as low as 0.13%*!

Your choice of 6/12/18/24/36/48 repayment periods, with fixed monthly repayments so you can better manage your cash flow.

Easy and fast application, no additional document is required. Apply online with just one click!


Application Channels:

Apply via this website /
Apply via Internet Banking
Mobile App
BoC Pay
Mobile App
BOCHK Credit Card
WeChat Account
Application Hotline
2929 2228



Assume the installment amount is HK$300,000, with a 0.13%* personalized preferential monthly handling fee, 12-month loan tenor and apply via e-Channel:
Monthly Installment Amount = (Installment Amount ÷ Tenor) + Average Monthly Handling Fee
                                             = (HK$300,000 ÷ 12) + (HK$300,000 x 0.13%)
                                             = HK$25,390^
Cash rebate for online application: HK$2,000 / HK$3,000 (New Customer)


Related Products:


Statement Installment  

Repay your newly posted transactions on your latest statement by up to 36 monthly installments


Cash Before Card   

Turn your available credit limit into cash and enjoy up to 56 days interest-free repayment period


Balance Transfer   

Transfer your outstanding balance from other credit cards to BOC Credit Card and enjoy up to 56 days interest-free period


‧ "Cash Installment" Plan is only applicable to selected cardholders.

*The personalized preferential monthly handling fee, final approved “Cash Installment” amount or application approval will depend on the account status. To find out more about the personalized preferential handling fee and the annualized percentage rates ("APR"), please refer to the “Cash Installment” transaction screen of online service or call the designated hotline 2929 2228.  Besides the monthly handling fee, an upfront administrative fee of HK$/CNY200 will also be charged (waived for applications via e-Channels), the upfront administration fee will be charged to credit card account with the first installment. For example, for a loan amount of HK$300,000, with personalized monthly handling fee of 0.13% of loan amount and apply via e-Channel, the fees in APR is: 2.70% for 6-month loan tenor, 2.91% for 12-month loan tenor, 2.98% for 18-month loan tenor, 3.01% for 24-month loan tenor, 3.03% for 36-month loan tenor, 3.04% for 48-month loan tenor. An APR is a reference rate which includes the basic fees and charges of this product expressed as an annualised rate, such as monthly handling fee and upfront administration fee (if any).

^The Company is hereby authorized to apportion the Monthly Installments between the Cash Installment Amount and Monthly Handling Fee (if any) as it shall deem appropriate. The example is for reference only.

Terms and Conditions:

The above “Cash Installment” plan subject to the below Important Notes and Terms and Conditions:


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