You're about to leave our website

This hyperlink will bring to you to another website on the Internet, which is published and operated by a third party which is not owned, controlled or affiliated with or in any way related to Standard Chartered Bank (Hong Kong) Limited or any member of Standard Chartered Group ( the "Bank").

The hyperlink is provided for your convenience and presented for information purposes only. The provision of the hyperlink does not constitute endorsement, recommendation, approval, warranty or representation, express or implied, by the Bank of any third party or the hypertext link, product, service or information contained or available therein.

The Bank does not have any control (editorial or otherwise) over the linked third party website and is not in any way responsible for the contents available therein. You use or follow this link at your own risk. To the extent permissible by law, the Bank shall not be responsible for any damage or losses incurred or suffered by you arising out of or in connection with your use of the link.

Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the terms of use and privacy policies of the third party website that you are going to visit.


Proceed to third party website
Hk loans ic banner v en
  1. Apply Credit Cards Online
  2. Credit Card Statement Instalment Plan

Successfully split your card bills online with Credit Card Statement Instalment Plan to enjoy CashBack or Asia Miles and stand to win the latest flagship phone.

Credit Card Statement Instalment Calculator

Transaction Amount
HKD
Minimum of HKD 500 is required.
Tenor
month(s)
Please select a valid tenor
Monthly Repayment as low as
HKD
Annualised Percentage Rate as low as1
  • Apply Now Apply Now

    How to split your credit card bill? It takes just a few minutes through SC Mobile App.

    *Only applicable to Standard Chartered / MANHATTAN Credit Cards cardholders.

    Apply now simply by opening SC Mobile through the QR code below or App Store/ Google Play.

    Ic qr code
    Appstore
    Hk alipay googleplay

    App Store is a service mark of Apple Inc. Google play is a trademark of Google Inc.

    Fill in the online application form

Note: Monthly Repayment and Annualised Percentage Rate displayed here is for reference only and is subject to credit approval

Earn autumn rewards plus stand a chance to win the latest flagship phone

Successfully split your card bills online with Credit Card Statement Instalment Plan to enjoy up to HKD1,560 CashBack or 15,600 miles and stand to win the latest flagship phone (50 phones up for grab). Promotion period from 3 September to 31 October 2024.

Treat yourself and shop freely with Credit Card Statement Instalment Plan

With Credit Card Statement Instalment Plan, you can treat yourself now and shop freely by splitting your card bills into easy instalments in just three simple steps!

 

Up to 60 months

Flexible Instalments

As low as 0.19%

Low and personalized Handling Fee²

Minimum spending HKD 500

Settle whole or partial retail purchase amounts by instalment¹

New experience with instant instalment!

Enter from Standard Chartered Bank’s mobile App – SC Mobile

Enter from sc.com/hk

Step 1

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

Step 1

Step 2

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

Step 2

Step 3

Review details and submit with Instant approval

Step 3

Scan to go to app directly

Ic qr code

or click here

Step 1

Click “Apply Now” here and input your credit card number and OTP

Step 1

Step 2

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

Step 2

Step 3

Review details and submit with Instant approval

Step 3

Scan to go to app directly

Ic qr

or click here

OFFER 1:REWARD

OFFER 2︰

APPLY FOR CREDIT CARD STATEMENT INSTALMENT

PLAN FOR 2 CONSECUTIVE MONTHS (MUST APPLY SUCCESSFULLY THROUGH SC MOBILE APP OR ONLINE BANKING AND DO NOT NEED TO GO THROUGH DEDICATED HOTLINE) WITH REPAYMENT TENOR OF 12 MONTHS OR ABOVE AND TRANSACTION AMOUNT OF HKD5,000.

OFFER 3︰LUCKY DRAW CHANCES
New clients* Existing clients
Transaction amount Standard Chartered Cathay MASTERCARD® Other Standard Chartered credit cards Standard Chartered Cathay MASTERCARD® Other Standard Chartered credit cards Standard Chartered Cathay MASTERCARD® Other Standard Chartered credit cards
Apply successfully for a Credit Card Statement Instalment ​Plan through ​

SC Mobile App or Online Banking ​(do not need to go through dedicated hotline) ​

with repayment tenor of 12 months or ​above and an eligible accumulated spending amount of:​

HKD5,000 – 14,999 600 miles HKD60 CashBack 600 miles HKD60

CashBack

Extra 600 miles ExtraHKD60 CashBack For every drawdown amount of HKD10,000, you will get 1 lucky draw chance
HKD15,000 – 24,999 2,000 miles HKD200 CashBack
HKD25,000 or above 7,500 miles HKD750 CashBack

Example

A new client* who successfully apply for Credit Card Statement Instalment plan with Standard Chartered Cathay MASTERCARD with transaction amount HKD30,000 and tenor 12 months for 2 consecutive months.

OFFER
REWARD
Offer 1 – Reward 15,000 Miles (7,500 Miles*2 months)
Offer 2 – Apply for Credit Card Statement Instalment Plan for 2 consecutive months Extra 600 Miles
Offer 3 – Lucky draw chance 3 lucky draw chances (1 lucky draw chances for every HKD10,000 loan amount)
Total reward: 15,600 miles and 3 lucky draw chances to win the latest flagship phone

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).

Summary of Terms and Conditions

Electronics, Phone, Mobile Phone

SC MOBILE APP

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

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.. Android, Google Play, and the Google Play logo are trademarks of Google Inc.

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