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You can spread your repayment for newly posted purchases, cash advances, including online bill payments by the 0% Interest Plan with up to 36 monthly installments, without incurring any interest. Also you can enjoy a monthly handling fee of as low as 0.43%.
What's more, from 1 August and 30 September 2008, you can enjoy a special monthly handling fee of as low as 0.38% for transactions made at travel agents, airline companies and overseas.
Easy to apply and no supporting documents is required.
24-hour designated hotline : 2929 2228 |
Terms and Conditions:
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The monthly handling fee of 0.38% is only applicable to Travel/Airline merchant & overseas transactions. The annualized percentage rates (APRs) for a monthly handling fee at 0.38% for installment periods of 12/18/24/36months are 8.64%, 8.81%, 8.87%, and 8.86% respectively.
- Personalized preferential handling fee is subject to the discretion of BOC Credit Card (International) Limited (the "Company") with reference to the individual account status and the installment amount. The annualized percentage rates (APRs) for a monthly handling fee at 0.43% are as follows: 9.81% for 12 months, 9.99% for 18 months, 10.05% for 24 months and 10.03% for 36 months.
- APR calculation is based on guidelines laid down in the Code of Banking Practice.
- BOC Credit Card (International) Ltd (the "Company") may in its absolute discretion approve or reject any application for "Interest-Free Statement Pay by Installment Plan" without assigning any reason.
- The monthly installment and the handling fee will be charged to the relevant card account.
- The "Interest-Free Statement Pay by Installment Plan" is applicable to holders of BOC Credit Card, U-point Credit Card, y not Credit Card, BOC VISA Olympic Games Credit Card and Affinity Card, all of which are issued in Hong Kong. The Plan is not applicable to holders of Business/Corporate Card, US Dollar Card, Great Wall RMB Card, Great Wall International Card, BOC RMB Credit Card, Purchasing Card, Pre-paid Card, Intown Card and Express Cash Card.
- The interest-free Statement Pay by Installment Plan is only applicable to retail purchase, cash advance, online bill payment and jet payment transactions which are newly posted on your credit card monthly statement and are not yet due. The installment amount cannot exceed your available credit limit.
- The interest-free Statement Pay by Installment Plan is not applicable to purchase of casino chips, balance transfer, cash before card service, cash installment, balance brought forward from the preceding monthly statement, interest free installments plan effected at merchant outlets and other approved installment plans.
- The minimum installment amount for the interest-free Statement Pay By Installment Plan is HK$1,000 but for the 36-month installment period the minimum installment amount is HK$2,000.
- If a cardholder repays prematurely, the balance of the outstanding monthly installments and handling fee incurred for the entire installment period shall become due immediately. In addition, an administration fee of HK$300 will be charged. All of them will be charged to the relevant card account upon termination of the Plan.
- The "Interest-Free Statement Pay by Installment Plan" is not applicable to account with any breach of User Agreement, cancelled account or account with past due record.
- The cardholders agree to be bound by the Terms and Conditions for Installment Programs upon application of the "Interest-Free Statement Pay by Installment Plan". Should there be any inconsistency between the Terms and Conditions for Installment Programs and these terms and conditions, the latter shall prevail to the extent of such inconsistency.
- The Company reserves the right to amend these terms and conditions at any time without prior notice and its decision on all matters of disputes shall be final.
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