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

"Cash Installment" Plan lets you turn your available BOC Credit Card credit limit into cash and repay by 6 – 48 monthly Installments.

"Cash Installment" Plan offers

• Enjoy a personalized preferential monthly handling fee as low as 0.13%*
• 6/12/18/24/36/48 repayment periods at your choice, fixed monthly repayments for better management of your cash flow
• No documentary proof is required, apply online with just one click
• Online application offer: Enjoy $200 administration fee waiver and up to HK$3,000 cash rebate for online applications, click here for details!

Remarks:

‧ "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$200,000, 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:

• Important Notes for BOC Credit Card "Cash Installment" Plan
• Terms and Conditions for the Installment Programs
• Key Facts Statement for Installment Loan

"Balance Transfer" Service lets you transfer your outstanding balance from other high interest credit cards/ loans/ overdraft accounts to BOC Credit Card and enjoy up to 56 days interest free period^!

Application method: You can pay bills for the category of "Banking and Credit Card Services"/ "Credit Services"/ "Securities Broker" through "Online Bill Payment Service" via internet banking / mobile banking.  

Remarks:

^If full payment of the outstanding Current Balance as posted on the monthly statement is received by the Company on or before the Due Date, no interest shall be payable by the customer, otherwise interests, finance charge and other fees, if applicable, shall be charged pursuant to the Credit Card Agreement/ User Agreement.

Terms and Conditions:

The above “Balance Transfer” plan is subject to the relevant Terms and Conditions, please click here for details.