All-You-Can-Split

Key Facts Statement (PDF)

Yes. Where you have more than one credit card, then All-You-Can-Split can be set up for each of your primary credit cards that are valid and in good standing. However, each credit card can only have a single active plan at any given time.

Upon subscription, all Eligible Transactions in your upcoming statement will be converted into instalments automatically, including those posted before your subscription date.

During the Subscription Period, we will only set up a new spending instalment plan if your Eligible Balance equals to or exceeds HKD1,000 in each statement. This means the minimum instalment amount is HKD1,000.
The maximum amount per instalment plan refers to the Monthly Maximum Instalment Limit. It is the maximum value of the Eligible Balance in each Card monthly statement that can be split into instalments. We set the Monthly Maximum Instalment Limit and you can view the same when you subscribe for the service. However, even if Monthly Maximum Instalment Limit is greater than the credit limit of your Card, you cannot make any Eligible Transactions beyond your credit limit.

You can still pay off your statement balance anytime before payment due date. However, let's say you've partially paid off your statement balance for a given month during your All-You-Can-Split subscription period, resulting in the remaining Eligible Balance below HKD1,000. This does not meet our minimum instalment amount threshold. Therefore, we won't be able to split the outstanding balance into a spending instalment plan.

If your credit card with subscribed service has been reported lost or stolen and the replacement card has not been issued before your next credit card statement, that month’s Eligible Balance will not be split into a spending instalment plan.
In the event where the credit card remains lost or stolen for two consecutive months within the Subscription Period, we'll automatically terminate the service.
If a spending instalment plan is not set up, you'll have to pay off your statement balance before the payment due date to avoid incurring any late charges or finance charges.