Statement Installment Plan

Split your credit card bills by up to 36 monthly installments with monthly handling fee as low as 0.18%1. Apply online now to enjoy up to HK$3,000 cash rebate!



For the "Key Facts Statement (KFS) for BOC Credit Card Statement Installment Plan", please click here.

Features of Statement Installment Plan

Minimum installment amount of just HK$1,000

Let you repay all retail purchases, online bill payments or tax payments by installment

3-36 months flexible repayment period1

No documentary proof is required, apply online with just one click

Online Application Offer

Up to HK$3,000 cash rebate for online applications

From 1 May till 30 June 2024, successfully apply for “Cash Installment” Plan, “Statement Installment” Plan or "Online Bill Payment Installment" Plan (“Services”) through BoC Pay, internet banking, mobile banking, BOCHK website or official account of BOC Credit Card on WeChat (WeChat ID: BOCHK_CC) (“e-Channel”) with a designated monthly accumulated amount to enjoy cash rebate below:

Monthly Accumulated Amount Cash Rebate

<New Installment Customer Only>

Extra Cash Rebate#

$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

Only applicable for tenor of 12 months or above.

#New installment 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



Transaction Amount

Personalized Preferential

Monthly Handling Fee (%)1

Handling Fee Per Day Cash Rebate For Online Application
$50,000 0.18% $3 HK$300 / HK$600(New Installment Customer)

Assume the installment amount is HK$50,000, with a 0.18% personalized preferential monthly handling fee and a 12-month loan tenor, the monthly installment amount is: (Installment Amount ÷ Tenor ) + Monthly Handling Fee, i.e. (HK$50,000 ÷ 12) + (HK$50,000 x 0.18%) = HK$4,256.67 ; Assume 30 days a month, the daily handling fee is: Monthly Handling Fee ÷ 30, i.e. (HK$50,000 x 0.18%) ÷ 30 = HK$3. The Company is hereby authorized to apportion the Monthly Installments between the Statement Installment Amount and Monthly Handling Fee (if any) as it shall deem appropriate. The example is for reference only.


Terms and Conditions:

Terms and Conditions for “Up to $3,000 cash rebate for online applications”

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

Related Products:


Cash Installment   

Provides you with the flxibility to convert your available credit limit into handy cash with a personalized preferential monthly handling fee

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


1. Applicable for installment amount of HK$50,000 or above. For example, for a loan amount of HK$50,000, with personalized monthly handling fee of 0.18% of loan amount and apply via e-Channel, the fee in APR is: 3.29% for 3-month loan tenor,  3.76% for 6-month loan tenor, 4.04% for 12-month loan tenor, 4.13% for 18-month loan tenor, 4.17% for 24-month loan tenor, 4.20% for 36-month loan tenor. 3-month loan tenor is applicable to apply via internet / mobile banking or designated hotline.

2. The personalized upfront administration fee / personalized preferential monthly handling fee, final approved “Statement Installment” amount or application approval will depend on the account status. To find out more about the personalized upfront administration fee / personalized preferential handling fee and the annualized percentage rates ("APR"), please refer to the “Statement Installment” transaction screen of online service or call the designated hotline 2929 2228.

3. 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). 

4. "Statement Installment" Plan is only applicable to selected cardholders and not applicable to i-Card (Virtual Card).  

Terms and Conditions:

Important Notes for BOC Credit Card “Statement Pay by Installment” Plan

Terms and Conditions for the Installment Programs

Key Facts Statement (KFS) for BOC Credit Card "Statement Installment" Plan


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