ICBC Credit Card Cash Instalment Plan for Tax - ICBC (Asia)
ICBC Credit Card Cash Instalment Plan for Tax
Knowing ‘How’ - Makes Tax Payment a Breeze! APR as low as 0.59%!
Product Features
- Enjoy up to HK$18,888 Cash Rebate3
- Interest Rate Offer, APR as low as 0.59%1&2
- Flexible loan tenor up to 24 months4
- Easy to apply
Cash Rebate
- Promotional period: From 1 October 2026 to 31 December 2026 (both dates inclusive)
- If you successfully apply for a Loan during the promotional period and the Loan is drawn down with the designated Loan amount and repayment period, you will be eligible for cash rebate3 of up to HK$18,888. The cash rebate amounts for different Loan amounts and repayment periods are as follows:
| Loan Amount (HK$) | Cash Rebate (HK$) | ||
| Loan Tenor 6 months |
Loan Tenor 12-18 months |
Loan Tenor 24 months |
|
| $100,000 - $199,999 | ／ | ／ | $888 |
| $200,000 - $299,999 | ／ | $888 | $1,888 |
| $300,000 - $499,999 | ／ | $1,688 | $2,888 |
| $500,000 - $999,999 | ／ | $2,388 | $4,388 |
| $1,000,000 - $1,499,999 | ／ | $4,388 | $8,888 |
| $1,500,000 or above | $6,888 | $8,888 | $18,888 |
Monthly Repayment Schedule
| Loan Amount (HK$) | Monthly Flat Rate | 6 month | Monthly Flat Rate | 12 month | Monthly Flat Rate | 18 month | Monthly Flat Rate | 24 month |
| Annualised Percenage Rate2 | Annualised Percenage Rate2 | Annualised Percenage Rate2 | Annualised Percenage Rate2 | |||||
| $1,500,000 or above | 0.105% | 2.18% | 0.150% | 3.36% | 0.155% | 3.55% | 0.155% | 3.59% |
| $1,000,000-$1,499,999 | 0.105% | 2.18% | 0.135% | 3.02% | 0.135% | 3.09% | 0.140% | 3.24% |
| $800,000-$999,999 | 0.145% | 3.02% | 0.145% | 3.24% | 0.145% | 3.32% | 0.145% | 3.36% |
| $500,000-$799,999 | 0.155% | 3.23% | 0.155% | 3.47% | 0.155% | 3.55% | 0.155% | 3.59% |
| $300,000-$499,999 | 0.185% | 3.86% | 0.185% | 4.15% | 0.185% | 4.25% | 0.185% | 4.29% |
| $100,000-$299,999 | 0.195% | 4.07% | 0.195% | 4.38% | 0.205% | 4.71% | 0.205% | 4.75% |
| $50,000-$99,999 | 0.195% | 4.07% | 0.195% | 4.38% | 0.205% | 4.71% | 0.205% | 4.75% |
| $10,000-$49,999 | 0.215% | 4.50% | 0.215% | 4.83% | 0.225% | 5.17% | 0.225% | 5.22% |
The Interest Rates listed above is for reference purposes only; approval is subject to a Cardholder’s account status and available credit limit at time of submission. The above mentioned offer is subject to terms and conditions.
Example6: Calculated by Every Loan Amount of HK$10,000, 12-month repayment period and monthly flat rate 0.215%.
The calculation of Monthly Interest, Daily Interest and Monthly Repayment Amount are rounded to the nearest two decimal places. Daily interest is calculated based on 30 days in a month.
| Monthly Interest | Daily Interest | Monthly Repayment Amount |
| HK$21.5 | HK$0.72 | HK$854.83 |
How to Apply
- Contact the Bank’s instalment hotline at (852) 2533 8686 (Monday to Friday, 9:00 AM to 6:00 PM, except public holidays)
- Click here to fill in and submit the required details. A dedicated representative will contact your soon.
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Remarks
Only applicable to the existing banking customer of Industrial and Commercial Bank of China (Asia) Limited (“the Bank”) who is successfully approved and drawdown the credit card cash instalment plan for tax (“Loan”) during the promotion period with an approved Loan amount of HK$1,500,000 or above, a monthly flat interest rate of 0.0286%, and a replayment period of 6 months, the Annualised Percentage Rate (APR) is 0.59% (taking into account HK$6,888 cash rebate) or 2.18% (without any cash rebate).
The APR of the loan is calculated based on the guidelines as set out in the Code of Banking Practice. The Bank shall have the right at its discretion to apportion any payment between interest and principal in such manner as it shall desire. The annualised percentage rate is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate, and rounded up to the nearest two decimal places. The interest rate is applicable on a case-by-case basis and the finally approved interest rate is subject to the loan amount and credit assessment result. The Bank reserves the right of final decision the approval result, and the Bank reserves the right for final decision in case of any disputes.
Each eligible customer can earn the HK$888 Cash Rebate, HK$1,688 Cash Rebate, HK$1,888 Cash Rebate, HK$2,388 Cash Rebate, HK$2,888 Cash Rebate, HK$4,388 Cash Rebate,HK$6,888 Cash Rebate, HK$8,888 Cash Rebate or HK$18,888 Cash Rebate (“Cash Rebate”) once only. Cash Rebate will be credited to the Cardholder’ s ICBC credit card HKD account within two months after the end of the promotional period (For example, if the eligible customer is successfully approved and drawdown the Loan on 9 November 2026, Cash Rebate will be credited into the disbursement / repayment account on or before 28 February 2027). To be eligible for the Cash Rebate, eligible customers should maintain good repayment record and the Loan and the account shall remain active and in good condition before and upon receiving the Cash Rebate. If eligible customer repay the Loan early before the maturity date, the Bank reserves the right to impose fees and charges upon early repayment of the Loan.
Repayment of loan amount and the handling fee incurred in connection therewith under the Plan will be made by 6, 12, 18 or 24 equal monthly Instalments in integer of dollars, each to be debited to the Cardholder’s ICBC credit card account monthly.
The highest approval amount for the Loan is up to HK$3,000,000, the final approved loan amount will be subject to the customer’s situation. The Bank reserves the right of final decision the approval result, and the Bank reserves the right for final decision in case of any disputes.
The above example is for reference only. The monthly repayment amount of the example is calculated based on loan amount HK$10,000 and 12-month, repayment tenor.
The Bank reserves the right to vary or terminate the offer at any time. The Bank reserves the right for final decision in case of any disputes.
In case of any discrepancy between the English and Chinese versions, the Chinese version shall prevail.
Terms and conditions apply to above offers and services. For the details of the terms and conditions, please contact our branch staff or refer to the application form.
