Easy Spending Interest-Free Installment Plan

What is Easy Spending Installment

Easy Spending Installment allows you repay all retail purchase transactions (including local, foreign and internet retail purchase transactions) made by OCBC Credit Card or other Bank’s credit cards by installment.

  • Fixed monthly installment of 12 – 24 months tenor
  • Simple and quick application; just apply by phone or fax 7 working days before payment due date

Rates and Tenors

Rates and Tenors
Assuming total installment amount of HK$10,000
Repayment Period 12 months 18 months 24 months
Monthly Handling Fee 0.21% 0.25% 0.29%
Annualized Percentage Rate (APRs) 6.29% 6.84% 7.59%
Monthly Installment Amount HK$854.33 HK$580.56 HK$445.67
  1. The minimum total application amount is HK$1,000 and the minimum amount of each single transaction is HK$300.
  2. For non-OCBC Credit Card transactions, cardholder has to submit the credit card monthly statement showing the related transactions for application purpose.
  3. Once the Cardholder’s application is approved, an administration fee of HK$80 shall be charged by the Bank.
  4. Phone-in application can only accept a maximum of 10 transactions.

Ways to Apply

Application form to fill
Call us at
3199 9888

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