Enjoy flexible and convenient repayments in 3 steps
Split your bills into monthly instalments[@cards-promotionofspendinginstalment],[@cards-spendingmonthlyhandlingfee] of 6 to 60 months with instant approval[@usinghshcappapply] on the HSBC HK App or the Reward+ app.
Spend & Split to earn
Up to
$1500 RewardCash
Offer 1 - Rewards on paying your insurance premiums
Still weighing whether to pay your insurance premiums annually or monthly? Simply pay with your card and split it into instalments to earn extra RewardCash (RC)!
During each of the phases below, pay your premiums with your HSBC Credit Card and set up a Spending Instalment Plan of 12 months or more. For every HKD10,000 in instalment amount, you'll get extra $100 RC - up to $600 RC per phase:
- Phase 1: 1 April to 30 June 2026; Phase 2: 1 July to 30 September 2026; Phase 3: 1 October to 31 December 2026
Across all three phases, you can enjoy up to $1,800 RC in total. T&Cs apply.
Offer 2 - Consecutive Instalment Reward
From 1 April to 31 May 2026, get $600 RC when you set up Spending Instalment Plans of 12 months or more in two consecutive months, with an eligible instalment amount reaching HKD20,000 or more each month. T&Cs apply.
Offer 3 - More rewards when you set up your first-ever Spending Instalment
Earn $100 RC for every HKD5,000 instalment amount, up to a maximum of $300 RC. Offer ends 30 Jun 2026. T&Cs apply.
Check out the relevant offer T&Cs and application steps (PDF).
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Apply now
Via HSBC HK App
Complete your application in the HSBC HK App if you’ve already set up mobile banking and registered your offers on the Reward+ app.
Scan the QR code to open the HSBC HK App
Register on the Reward+ app to enjoy our offers
Register now to enjoy our offers. You can also apply for Spending Instalment Plan via the Reward+ app and get approved instantly[@usinghshcappapply].
Scan the QR code to open Reward+
By phone
Call us on our 24/7 application hotline to get started. (852) 2233 3052