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Automatic online instalment platform to split your credit card bills. Exclusive online offer for new clients*: Up to HKD500 cash rebate^

Adult, Female, Person

Automatic online instalment platform to split your credit card bills. Exclusive online offer for new clients*: Up to HKD500 cash rebate^

Instalment Plan Applicable to Standard Chartered / MANHATTAN Credit Cards

Monthly handling fee as low as 0.19%3, split your credit card bills instantly in easy payment by instalment for more shopping pleasure.

Credit Card Statement Instalment Plan Key Product Features:

Monthly Handling Fee as low as 0.19%³

Settle whole or partial retails purchase amounts by instalment with

minimum spending HKD 500¹

Flexible instalment period

3-60 months

Low Handling Fee²

Personalized monthly handling fee

Other Product Features:

  • Automatic online instalment platform.

New experience with instant instalment!

Step 1

Login to SC Mobile and click “Split Your Bills” on the selected bill or transactions


Credit Card Statement Instalment Plan Step 1
Step 2

Select the transactions you wish to pay by instalment and input details e.g. amount, tenor etc. to proceed

Credit Card Statement Instalment Plan Step 2
Step 3

Review details and submit with Instant approval


Credit Card Statement Instalment Plan Step 3
  1. myRM services are only applicable to selected Priority Banking and Priority Private clients.
  2. Client is required to turn on the push notification in SC Mobile app.
  3. Client is required to install plug-in in Google Chrome to enable the screen sharing function.

Example of Credit Card Instalment

Transaction Amount
Monthly Handling Fee (%)3
Daily Handling Fee4
HKD500 0.19% HKD0.032
HKD25,000 0.19% HKD1.58

Remarks:

*New Client refer to cardholders of Eligible Cards who do not currently have or have not successfully applied for a Credit Card Statement Instalment Plan with Standard Chartered Bank (Hong Kong) Limited in the past 12 months prior to the Promotion Period.

1. Application requirements:

  • a) Standard Chartered credit card or Standard Chartered co-branded card (Except UnionPay Dual Currency Platinum Credit Card RMB account and Corporate Card ) account holders are eligible to apply for the Plan.
  • b) The minimum amount of each Statement Instalment Transaction is HKD500 (only applicable to new retail purchases charged to a single account). Retail transactions charged to different accounts could not be applied under the same Plan.

2. The availability of exclusive personalized Monthly Handling Fee of 0.19% is individualized and subject to account status checking. Different Statement Instalment Transactions could not be combined for the purpose of calculating the handling fee. Monthly Handling Fee ranges from 0.19% to 1.15%.

3. Annualised Percentage Rate (APR) of 0.19% Monthly Handling Fee is:

Transaction Amount: $500 Non Statement Instalment:

Apply the instalment loan before the issuance of credit card statement

Statement Instalment:

Apply the instalment loan after the issuance of credit card statement

Tenor APR
6 month 3.97% 4.20%
12 month 4.26% 4.40%
18 month 4.36% 4.45%
24 month 4.40% 4.48%
Transaction Amount: $25,000 Non Statement Instalment:

Apply the instalment loan before the issuance of credit card statement

Statement Instalment:

Apply the instalment loan after the issuance of credit card statement

Tenor APR
6 month 3.97% 4.20%
12 month 4.26% 4.40%
18 month 4.36% 4.45%
24 month 4.40% 4.48%

For Statement Instalment, this APR is calculated in the assumption that the instalment application date is 25 days prior to the statement repayment date, and the first two months handling fee will be posted in the next monthly statement.

An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of a product expressed as an annualized rate. In general, the Instalment Amount is a fixed amount to be charged to the Card Account on a monthly basis, while the APR for the first instalment may be impacted by the loan disbursement date.

Please note there is no difference in the total handling fee (or total absolute amount of interest) charged and repayment amount between Non Statement Instalment and Statement Instalment.

4. Daily handling fee is calculated based on 30 days per month.

If you choose to repay the total Statement Instalment Transaction Amount outstanding in full for each Statement Instalment Transaction prior to the end of the Instalment Period, or if the Card Account on which the Statement Instalment Transaction Amount appears is cancelled due to any reason, the total Statement Instalment Transaction(s) Amount outstanding at the relevant time and the Monthly Handling Fees (if applicable) for the remaining Instalment Period will be immediately due and payable. Also, administration fee for early repayment of HKD150 for each Statement Instalment Transaction will be charged directly to your Card Account. For example, assuming one single Statement Instalment Transaction Amount is HKD15,000 with a Monthly Handling Fee of 0.25% for a 12-month Instalment Period – if you repay the total Statement Instalment Transaction Amount after the 6th month, you shall be liable to pay the total Statement Instalment Transaction Amount outstanding and the Monthly Handling Fees for the remaining period of 6 months, being HKD15,000 / 12 x (12-6) + HKD15,000 x 0.25% x (12-6) = HKD7,725, plus an administration fee of HKD150. The above example is for indication purpose only.

Application hours for registration hotline: 9a.m. to 10p.m. daily (Monday – Sunday).

Electronics, Phone, Mobile Phone

SC MOBILE APP

Download SC Mobile App and Apply Credit Card Statement Instalment Plan now!

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Summary of Terms and Conditions

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