Planning for your holiday as well as your tax liability? Or simply home renovation before the New Year?

Totally Interest-free
Cash will be at your disposal instantly!

BOC Credit Card "Cash Instalment" Plan gives you more latitudes in your financial commitments, you only have to turn your available credit limit into cash and repay by instalments to ease your financial needs!

	Enjoy a special low personalized preferential handling fee*, and totally 0% Interest!
	12/18/24/36 repayment periods at your choice – fixed monthly repayments for better management of your cash flow
	No documentary proof is required, just a simple phone call will do
	Once approved, cash will be disbursed directly to your designated bank account

Application is easy, just a simple phone call to BOC Credit Card 24-hour designated hotline: 2929 2228

BOC Credit Card "Statement Instalment" Plan let you repay your recently posted retail purchases, cash advance transactions, online bill payments, or even tax payments by up to 36 monthly instalments at a special low personalized preferential monthly handling fee* yet totally Interest-free!

	Enjoy a special low personalized preferential handling fee*, and totally 0% Interest!
	12/18/24/36 repayment periods at your choice – fixed monthly repayments for better management of your cash flow
	No documentary proof is required, just a simple phone call will do

Application is easy, just a simple phone call to BOC Credit Card 24-hour designated hotline: 2929 2228.

Important Notes for BOC Credit Card "Cash Installment" Plan:

These Important Notes shall be applicable to "Cash Installment" Plan approved on or after 5th October 2009.

1. The cardholder applying for the "Cash Installment" Plan ("Cash Installment") agrees to be bound by the Terms and Conditions for the Installment Programs (Please click here for details) and the Important Notes stated herein. Should there be any inconsistency, the latter shall prevail to the extent of such inconsistency.
   
2. The "Cash Installment" is not applicable to cardholders of BOC Commercial Card (except BOC Elite Platinum Commercial Card), BOC Prepaid Card, Private Label Card, Purchasing Card, Intown Card, BOC RMB Credit Card, USD Card, Great Wall International Credit Card, BOC Express Cash Revolving Credit and BOC Credit Cards and Prepaid Card issued in Macau.
   
3. Cardholders shall pay the preferential Monthly Handling Fee and/or Upfront Administration Fee, depending on the offer of the respective promotion. The said fee will depend on the installment amount, repayment period and the account status. The said fee for the cardholders and the annualized percentage rates ("APR") will be shown on the "Cash Installment" transaction screen of "iService" of BOC Credit Card (International) Limited (the "Company"). The cardholders may call BOC Credit Card designated hotline 2929 2228 for enquiry. The APR is calculated in accordance with the guidelines laid down in the Code of Banking Practice.
   
4. The Company may at its absolute discretion determine the Monthly Handling Fee, Upfront Administration Fee, and the installment amount. The Company reserves its final right to approve or decline any application for the "Cash Installment" without assigning any reason.
   
5. All approved "Cash Installment" applications are irrevocable.
   
6. The Monthly Installment (including Monthly Handling Fee) and/or, Upfront Administration Fee (if any) will be charged to the relevant card account.
   
7. The amount for "Cash Installment" must be in HKD and the minimum installment amount for "Cash Installment" is HK$5,000 or the amount specified by the Company from time to time. The installment amount cannot exceed the cardholder's available credit limit.
   
8. If the cardholders apply for "Cash Installment" via "iService" of the Company,
   

   a.	the total amount of "Cash Before Card" and "Cash Installment" shall not exceed a daily limit of HK$100,000 or the cardholder's available credit limit (whichever is lower), or the amount specified by the Company from time to time;
   b.	application submitted not later than 3:00pm (Hong Kong time) on Monday to Friday or 10:00am (Hong Kong time) on Saturday (except for public holiday) ("Processing Time") will be processed on the same day, otherwise it will be processed on the coming Processing Time; and
   c.	cardholders will be notified by email one day after the submission date if the application for "Cash Installment" is processed successfully. Cardholders can check out the transaction status via the "Transaction Enquiry" under the "Cash Installment" section in "iService".

9. If a cardholder chooses to repay prematurely, the balance of the outstanding Monthly Installments (including the Monthly Handling Fee), and the Upfront Administration Fee (if any) (if not yet debited) shall be due immediately. In addition, the cardholder is liable to pay an Early Repayment Administration Fee equivalent to HK$300. All of them will be charged to the relevant card account accordingly.
   
10. The "Cash Installment" is not applicable to accounts in breach of the User Agreement, being cancelled or with a past due record.
    
11. The entire installment amount of the approved "Cash Installment" will be disbursed to the sole name account designated by the cardholder. An inward remittance fee may be charged by the beneficiary bank. Please contact the beneficiary bank for details.
    
12. The Company reserves its right to debit a handling fee (maximum HK$300) to the relevant card account without prior notice if the loan disbursement of "Cash Installment" is declined due to the account status of the designated account of the cardholders.
    
13. The Company reserves the right to change, suspend or terminate the promotion offer or to amend its terms and conditions at its sole discretion anytime without prior notice. All matters and disputes will be subject to the final decision of the Company.
    
14. Should there be any discrepancy or inconsistency between the English and the Chinese version of the Important Notes, the English version shall prevail.

Important Notes for BOC Credit Card "Statement Pay by Installment" Plan:

These Important Notes shall be applicable to "Statement Pay by Installment" Plan approved on or after 5th Octorber 2009.

1. Cardholder applying for "Statement Pay by Installment" Plan ("Statement Installment") agrees to be bound by the Terms and Conditions for "Installment Programs" (Please click here for details) and this Important Note upon application. Should there be any inconsistency, the latter shall prevail to the extent of such inconsistency.
   
2. The "Statement Installment" is not applicable to cardholders of BOC Commercial Card (except BOC Elite Platinum Commercial Card), BOC Prepaid Card, Private Label Card, Purchasing Card, Intown Card, BOC RMB Credit Card, USD Card, Great Wall International Credit Card, BOC Express Cash Revolving Credit, and BOC Credit Cards and Prepaid Card issued in Macau.
   
3. Cardholders shall pay the preferential Monthly Handling Fee and/or Upfront Administration Fee, depending on the offer of the respective promotion. The said fee will depend on the installment amount, repayment period and the account status. The said fee for the cardholders and the annualized percentage rates ("APR") will be shown on the "Statement Installment" transaction screen of "iService" of BOC Credit Card (International) Limited (the "Company"). The cardholders may call BOC Credit Card designated hotline 2929 2228 for enquiry. The APR is calculated in accordance with the guidelines laid down in the Code of Banking Practice.
   
4. The Company may at its absolute discretion determine the Monthly Handling Fee, Upfront Administration Fee and the installment amount. The Company reserves its absolute right to approve or reject any application for the "Statement Installment" without assigning any reason.
   
5. The Monthly Installment (including Monthly Handling Fee) and/or, Upfront Administration Fee (if any) will be charged to the relevant card account.
   
6. "Statement Installment" is applicable to retail spending, cash advance, cash before card service, balance transfer, online bill payment and "JET payment" transactions posted in your current monthly statement which are not yet due. "Statement Installment" is not applicable to transactions related to the purchase of casino chips, cash installment, balance brought forward from the preceding monthly statement, interest free installment plan effected at merchant outlets, other approved installment plans, and other transaction categories designated by the Company from time to time.
   
7. The minimum installment amount for "Statement Installment" is HK$1,000 or equivalent (should the repayment period chosen be 36 months, then the minimum installment amount is HK$2,000 or equivalent) or the amount specified by the Company from time to time. The installment amount cannot exceed the cardholder's credit limit.
   
8. If the cardholders apply for "Statement Installment" via "iService" of the Company,
   

   a.	application for the "Statement Installment" must be submitted at least three working days (excluding Saturday, Sunday and public holiday) before the payment due date of the statement via "iService". Late application will not be processed;
   b.	application for "Statement Installment" made at or before 5:00pm (Hong Kong time) every day will be processed on the same day. Any instruction made later than these given times will be processed on the next day; and
   c.	cardholders will be notified by email one day after the submission date if the application for "Statement Installment" is processed successfully. Cardholders can check out the transaction status via the "Transaction Enquiry" under the "Statement Installment" section in "iService".

9. If a cardholder chooses to repay prematurely, the balance of the outstanding Monthly Installments (including the Monthly Handling Fee), and the Upfront Administration Fee (if any) (if not yet debited) shall be due immediately. In addition, the cardholder is liable to pay an Early Repayment Administration Fee equivalent to HK$300. All of them will be charged to the relevant card account accordingly.
   
10. The "Statement Installment" is not applicable to accounts in breach of the User Agreement, being cancelled or with a past due record.
    
11. All approved "Statement Installment" applications are irrevocable.
    
12. The Company reserves the right to change, suspend or terminate the promotion offer or to amend its terms and conditions at its sole discretion anytime without prior notice. All matters and disputes will be subject to the final decision of the Company.
    
13. Should there be any discrepancy or inconsistency between the English and the Chinese versions of these important notes, the English version shall prevail.