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 1.8%!
Product Features
- Interest Rate Offer, APR as low as 1.8%1
- Enjoy up to HKD18,888 Cash Rebate2
- Flexible loan tenor up to 24 months3
- Easy to apply
Offer Detail
Apply on or before 31 March 2026 to enjoy extra $18,888 cash rebate after successful drawdown2.
| Loan Amount (HK$) | Monthly Flat Rate | 6 month | Monthly Flat Rate | 12 month | Monthly Flat Rate | 18 month | 24 month |
| Annualised Percentage Rate1 | Annualised Percentage Rate1 | Annualised Percentage Rate1 | |||||
| $1,000,000 or above | 0.105% | 2.18% | 0.135% | 3.02% | 0.135% | 3.09% | 3.12% |
| $800,000-$999,999 | 0.145% | 3.02% | 0.145% | 3.24% | 0.145% | 3.32% | 3.36% |
| $500,000-$799,999 | 0.155% | 3.23% | 0.155% | 3.47% | 0.155% | 3.55% | 3.59% |
| $300,000-$499,999 | 0.185% | 3.86% | 0.185% | 4.15% | 0.185% | 4.25% | 4.29% |
| $100,000-$299,999 | 0.195% | 4.07% | 0.195% | 4.38% | 0.205% | 4.71% | 4.75% |
| $50,000-$99,999 | 0.195% | 4.07% | 0.195% | 4.38% | 0.205% | 4.71% | 4.75% |
| $10,000-$49,999 | 0.215% | 4.50% | 0.215% | 4.83% | 0.225% | 5.17% | 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.
Example5: Calculated by Every Cash Out 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.
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 |
Reminder:
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Remarks
ICBC Essence Card or Wise Gold Credit Card holders who apply for a loan of HKD 1 million or above with a repayment period of 6 months may enjoy an effective annual interest rate as low as 1.8%, calculated based on a flat monthly interest rate of 0.087%.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 31 March 2026, 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. Cash Rebate will be deposited into the disbursement/repayment account in the second month after drawdown (For example, if the eligible customer is successfully approved and drawdown the Loan on 20 November 2025, Cash Rebate will be deposited into the disbursement/repayment account on or before 31 January 2026). 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.
