ICBC Credit Card Cash Instalment Plan - ICBC (Asia)
ICBC Credit Card Cash Instalment Plan
Preferential Interest Rate Fulfil YOUR BIG DREAMS with Ease!
Customers applying for “Credit Card Cash Instalment Plan” to enjoy a monthly flat-rate offer.
Product Features
- Interest Rate Offer
- Enjoy up to HKD18,888 Cash Rebate3
- Flexible loan tenor up to 60 months5
- Easy to apply
Offer Detail
Apply on or before 30 June 2025 to enjoy extra $18,888 cash rebate after successful drawdown3.
| Loan Amount (HK$) | Monthly Flat Rate1 | Annualised Percentage Rate (APR)2 | Monthly Flat Rate1 | Annualised Percentage Rate (APR)2 | |||
| 12-month | 24-month | 36-month | 48-month | 60-month | |||
| $1,000,000 or above | 0.135% | 3.02% | 3.12% | 0.165% | 3.85% | 3.85% | 3.84% |
| $800,000-$999,999 | 0.145% | 3.24% | 3.36% | 0.175% | 4.08% | 4.08% | 4.07% |
| $500,000-$799,999 | 0.155% | 3.47% | 3.59% | 0.185% | 4.32% | 4.32% | 4.30% |
| $300,000-$499,999 | 0.185% | 4.15% | 4.29% | 0.195% | 4.55% | 4.55% | 4.53% |
| $100,000-$299,999 | 0.195% | 4.38% | 4.52% | 0.215% | 5.02% | 5.01% | 4.99% |
| $50,000-$99,999 | 0.195% | 4.38% | 4.52% | 0.215% | 5.02% | 5.01% | 4.99% |
| $10,000-$49,999 | 0.215% | 4.83% | 4.99% | 0.235% | 5.48% | 5.47% | 5.45% |
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 Cash Out Amount of HKD10,000, 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 |
| HKD21.5 | HKD0.72 | HKD854.83 |
How to Apply
Through ICBC (Asia) Mobile Banking App (Applicable for credit card customers)
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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 Loan Plan with an approved Loan amount of HK$1,000,000 or above. Annualised percentage rate (APR) 3.02% is calculated based on monthly flat rate 0.135% and 12-month repayment tenor, the above example is for reference only.
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. 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.
Customer who apply on or before 30 June 2025, is successfully approved and drawdown HK$100,000-HK$199,999 is entitled to enjoy HK$1,688 cash rebate (“HK$1,688 Cash Rebate”); is successfully approved and drawdown HK$200,000-HK$299,999 is entitled to enjoy HK$3,500 cash rebate (“HK$3,500 Cash Rebate”); is successfully approved and drawdown HK$300,000-HK$999,999 is entitled to enjoy HK$4,388 cash rebate (“HK$4,388 Cash Rebate”); is successfully approved and drawdown HK$1,000,000-HK$1,499,999 is entitled to enjoy HK$8,888 cash rebate (“HK$8,888 Cash Rebate”); is successfully approved and drawdown HK$1,500,000 or above is entitled to enjoy HK$18,888 cash rebate (HK$18,888 Cash Rebate”). Each eligible customer can earn the HK$1,688 Cash Rebate, HK$3,500 Cash Rebate, HK$4,388 Cash Rebate, HK$8,888 Cash Rebate or HK$18,888 Cash Rebate (“Cash Rebate”) once only. The Cash Rebate will be credited to the Cardholder’s ICBC credit card HKD account in the second month after drawdown (For example, if the Cardholder is successfully applies for and drawdown the Loan Amount on 9 April 2025, the Cash Rebate will be credited to the Cardholder’s ICBC credit card HKD account on or before 30 June 2025). Each eligible Cardholder can earn the Cash Rebate once only. The Cardholder’s ICBC credit card account must be still valid and without any arrears of repayment record when the Cash Rebate is to be credited. The Cash Rebate amount, which cannot be drawn as cash advance, is non-transferable and cannot be offset against credit card payment.
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.
Repayment of loan amount and the handling fee incurred in connection therewith under the Plan will be made by 12, 24, 36, 48 or 60 equal monthly Instalments in integer of dollars, each to be debited to the Cardholder’s ICBC credit card account monthly.
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.
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.
