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Clothing, Apparel, Person
Clothing, Apparel, Person

Exclusive online offer for new clients*: Up to HKD500 cash rebate^, with Monthly Handling Fee as low as 0.15%3

Applicable to Standard Chartered / MANHATTAN credit cards

Split your credit card bills in easy payment by instalment for more shopping pleasure.

Exclusive for Standard Chartered Smart Credit Card:

  • 3-month Interest-free Instalment for UNLIMITED retail purchases
  • In just a few clicks, you can split your credit card bills in 3 months, through instalments with no interest and no handling fees, for retail spending over HK$500 or above.
  • Click here to Split Your Bills now

    Note: The Bank will reverse HKD1 CashBack on the「360° Rewards」Redemption Platform for every HKD180 instalment amount applied. For spending amounts that are not eligible to earn CashBack, the Bank will also reverse HKD1 CashBack for every HKD180 instalment amount applied. Where there is insufficient CashBack balance on the「360° Rewards」Redemption Platform for deduction, a negative balance will be displayed.

Credit Card Statement Instalment Plan Key Product Features:

Exclusive online offer for new clients

Enjoy up to HKD500 cash rebate^, with Monthly Handling Fee as low as 0.15%³

Settle whole or partial retails purchase amounts by instalment with

minimum spending HKD 500¹

Flexible instalment period

6-60 months

Low Handling Fee²

Personalized monthly handling fee

Other Product Features:

  • Few easy steps to complete the application.
Step 1

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


Step 2

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

Step 3

Review details and confirm submission


Standard Chartered provides an all–in-one digital banking services. INVEST FROM HOME. BANK FROM HOME.

Example

Transaction Amount
Monthly Handling Fee (%)3
Daily Handling Fee4
HKD500 0.15% HKD0.025
HKD25,000 0.15% HKD1.25

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.

^In order to enjoy up to HKD500 cash rebate, clients shall successfully apply for Statement Instalment Plan of at least HKD5,000 with a tenor of 12 months via online and such application shall be approved by Standard Chartered Bank (Hong Kong) Limited as shown in the table below during the promotion period.

LOAN AMOUNT (HKD) CASH REBATE (HKD)
HKD5,000-HKD14,999 HKD50
HKD15,000-HKD24,999 HKD200
HKD25,000 or above HKD500

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 0.15% 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 0.15% to 1.15%.

3. Annualised Percentage Rate (APR) of 0.15% 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 3.12% 3.31%
12 month 3.36% 3.46%
18 month 3.44% 3.51%
24 month 3.47% 3.53%
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 3.12% 3.31%
12 month 0.37% and 3.36% (with and without cash rebate) 0.38% and 3.46% (with and without cash rebate)
18 month 3.44% 3.51%
24 month 3.47% 3.53%

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

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