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How to Apply
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Credit Card Instant Loan

As low as

3.04%

APR

Disburse as fast as

30 seconds to any account

of your choice

As simple as

3 steps with no documents

required 1

Instalment Credit Calculator

Instalment Credit
HKD
Please enter a valid amount
Tenor
month(s)
Please enter a valid tenor
Monthly Repayment as low as
HKD 9,380.69
Annualised Percentage Rate as low as
9.00%
Note: Monthly Repayment and Annualised Percentage Rate displayed here is for reference only and is subject to credit approval

What is Credit Card Instant Loan?

How to Apply?

Instant Loan

  • Turn available credit limit into cash
  • Repay by fixed monthly instalment
  • Monthly instalment will be included in the credit card statement. Just settle it along with other card transactions

Feature

  • Personalised rate, as low as 0.13% monthly handling fee (i.e. 3.04% APR)
  • 3-step for instant approval 2
  • As fast as 30s to disburse into your designated account 2
  • Loan amount up to HKD 1.2m
  • No document required for selected clients1

Example 3

  • Mr. Chan is planning for study (HKD150,000) but is short on cash.
  • His personalised rate is 0.13%.
  • He wishes to repay less than HKD3,000 per month
  • Hence, he chooses to repay in 60 months, monthly repayment: = (150,000 / 60) + (150,000 x 0.13%) = HKD2,695
  • He settles the monthly instalment along with his other card transactions within the same card statement

Apply via APP or on Web

  1. Input desired loan amount and tenor
  2. Select disbursement account
  3. Check and agree with the Terms and Conditions, review again the application and submit

Result will be shown instantly!

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Apply via APP or on Web

Top Offers

Turn credit limit into cash in 30 seconds with Credit Card Instant Loan

Need quick cash to improve your cash flow? Get Credit Card Instant Loan for your financial needs in 30 seconds to help achieve your goals. Apply now with coupon code “SCB001” to earn more rewards!

 
OFFER 1：REWARD
OFFER 2︰LUCKY DRAW CHANCES
24 OR 36 MONTHLY REPAYMENTS 48 OR 60 MONTHLY REPAYMENTS
Standard Chartered Cathay MASTERCARD® Other Standard Chartered credit cards Standard Chartered Cathay MASTERCARD® Other Standard Chartered credit cards
From 11 June to 2 September 2024,

apply successfully for a Credit Card Instant Loan using Standard Chartered credit cards through ​SC Mobile App or Online Banking with eligible loan amount up to:​

 HKD100,000 – 199,999 3,500 miles HKD300 CashBack 7,000 miles HKD600 CashBack For every HKD50,000 drawdown amount, you will get 2 lucky draw chances
HKD200,000– 299,999 7,000 miles HKD600 CashBack 14,000 miles HKD1,200 CashBack
HKD300,000 – 499,999 14,000 miles HKD1,200 CashBack 28,000 miles HKD2,400 CashBack
HKD500,000 or above 30,000 miles HKD2,500 CashBack 60,000 miles HKD5,000 CashBack

Example

Clients who successfully apply for a Credit Card Instant Loan using a Standard Chartered Cathay MASTERCARD and accumulate eligible transactions totaling HKD500,000 with a repayment tenor of 48 months.

OFFER
REWARD
Offer 1 – Reward 60,000 Miles
Offer 2 – Lucky draw chance 20 lucky draw chances (2 lucky draw chances for every HKD50,000 loan amount)
Total reward: 60,000 miles and 20 lucky draw chances to win 4D3N exclusive tour to Liverpool

Before you Apply

  • The available Instalment Credit/Credit Cash amount indicates the amount of Instalment Credit /Credit Cash available and such amount is derived with reference to, where applicable, the available credit limit plus the amount eligible for Credit Limit Increase of the designated credit card (“Designated Credit Card(s)”). The approval of the Instalment Credit /Credit Cash Amount is subject to the current status of the credit card account during the period when such application is being considered by the Bank. The Bank has the sole discretion to determine the Instalment Credit Amount to be approved, reject the application and/or increase the credit limit.
  • No. According to the policy adopted by the Bank, the approved Instalment Credit/ Credit Cash Amount cannot be used for the repayment of the credit card outstanding balance of any of the Standard Chartered Credit Card or MANHATTAN Credit Card. If the Instalment Credit Amount/ Credit Cash is used to repay the card outstanding balance, the Bank reserves the right to terminate the promotional offer and the Instalment Credit / Credit Cash Amount would be treated as Cash advance.
  • After the 7 calendar days from the first instalment posted, no alteration of the Instalment Credit/Credit Cash arrangement or cancellation of the application will be accepted. If you choose to repay early at any time during the Instalment Period or the designated Credit Card Account participating in the Program is cancelled due to whatever reason, all remaining Instalment Credit/ Credit Cash Amount and monthly handling fee of the remaining period must be repaid immediately. In addition, an administration fee equivalent to 1% of the Instalment Credit/ Credit Cash Amount or HKD300, whichever is higher, will be debited from the Instalment Credit account. For example, assuming the Instalment Credit/Credit Cash Amount is HKD10,000 and is granted to you with 0.25% monthly handling fee and a 48-month instalment period. If you repay the Instalment Credit/Credit Cash Amount outstanding after the 30th month, you shall be liable to pay the Instalment Credit/Credit Cash Amount outstanding HKD4,017.15 and monthly handling fee for the remaining period HKD182.95 (You could refer to the monthly repayment table in the Confirmation Letter for details), plus an administration fee of HKD10,000 x 1% = HKD100, or HKD300 whichever is higher = HKD300. The above example is for indication purposes only.
  • The Instalment Credit program converts your un-used credit card limit into cash. Client can enjoy the financial flexibility to fulfill your daily needs by making use of any of the credit limit. The credit limit of your Credit Card will be restored with reference to the monthly repayment made.
  • The monthly repayment amount (including the principal amount and the handling fee across the tenor) will be printed on the confirmation letter. The apportionment of principal and handling fee is calculated based on the Straight Line Method, please refer to the monthly repayment table in the Confirmation Letter for details. The instalment amount for each month will be shown on your credit card statement accordingly.
    1. The 7-Day Cooling-off Period may be applicable to you if your application for Instalment Credit/ Credit Cash is successful and subsequently repay the Instalment Credit/ Credit Cash amount outstanding in full within 7 calendar days after the post date of the Instalment Credit/ Credit Cash amount.
    2. Any application for the 7-Day Cooling-off Period has to be made through our Customer Service Hotline at 2886 4111 by you personally. Subject to our sole discretion for approving of such application, provided that you repay the Instalment Credit/ Credit Cash amount in full within 7 calendar days from the first instalment posted, we agree to waive the monthly handling fee of the remaining instalment period, the administration fee equivalent to 1% of the Instalment Credit /Credit Cash amount or HKD300, whichever is higher, and the application fee where applicable.
    3. Application for the 7-Day Cooling-off Period may only be made once per Instalment Credit/Credit Cash amount approved.
    4. The Bank reserves the right to alter or terminate the above offers and amend any of the above terms and conditions from time to time. For any and all matters or disputes regarding the above, the Bank’s decision shall be final and binding.ation for the 7-Day Cooling-off Period may only be made once per Instalment Credit/Credit Cash amount approved.

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SC MOBILE APP

Manage your finances on the go

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Repayment Calculator
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Call our hotline: 2282 3322
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Smart tips on Early Repayment

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