Shanghai Commercial Bank Credit Cards
Cash Instalment Promotion to Enjoy HK$100 Cash Rebate
Whether it's study, home decoration, wedding, investment, or travel plans, Credit Card Cash Installment can help you effortlessly achieve your goals! Enjoy a repayment period of up to 36 months! Apply now for flexible installments with zero hassle!
Promotion Period
5 March 2026 - 30 April 2026 (both dates inclusive)
Promotion Details
During the Promotion Period, successfully apply for Cash Instalment amount of HK$50,000 or above with Shanghai Commercial Bank Credit Card can enjoy HK$100 Cash Rebate!
- Uniform fees, transparent and clear charges, making financial planning easier
- Repayment period lasts up to 36 months
- Receive cash instalment amounts of up to 3 times your monthly salary
- The approved amount will be deposited directly to your designated bank account within 4 working days
Application Channels
| Credit Card Customer Service Hotline: |
2818 8236 (Press 3>5>2) |
| Email: |
Please complete the Application Form and email* with latest 1 month's income proof to issue.creditcard@shacombank.com.hk |
| Mail: |
Please complete the Application Form and post with latest 1 month's income proof to Shanghai Commercial Bank Limited – Credit Card Dept. Level 26, Tower 2, Kowloon Commerce Centre,51 Kwai Cheong Road, Kwai Chung, New Territories, Hong Kong |
* To safeguard your personal information, please encrypt your income proof documents before emailing them to us. Recommended Encryption Standard: Use ZIP file encryption with AES-256, set a strong password (combination of letters, numbers, and symbols) and send the password to us via a separate email.
Terms and Conditions
Remarks:
- HK$100 handling fee rebate will be credited to the Eligible Cardholder's credit card account within 2 months after the 7th monthly repayment instalment is posted by the Bank.
- The Annualized Percentage Rate and Monthly Handling Fee of Cash Instalment Program is as follows:
| Cash Instalment Amount |
Instalment Tenor |
Monthly Handling Fee |
Annualized Percentage Rate ("APR") |
| HK$3,000 – HK$29,500 |
12 months |
0.35% |
7.94% |
| 24 months |
8.16% |
| 36 months |
8.16% |
| HK$30,000 and or above |
12 months |
0.28% |
6.32% |
| 24 months |
6.51% |
| 36 months |
6.53% |
- Please provide a copy of the latest 1 month's income proof.
- The APR above is calculated based on the requirement of the Code of Banking Practice.
- The Bank has the sole discretion to approve or reject any application, or to determine the final approval withdrawal instalment amount, monthly handling fee and instalment tenor without giving any reason or prior notice.
- The APR is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualized rate.
- For details, Terms & Conditions and Key Fact Statements on Cash Instalment Program , please visit the Bank website ("Cards" -> "Instalment Program Offers" -> "Cash Instalment Program")
The Bank will send the promotion information via email from time to time. If you would like to receive the Bank's latest promotion, please update your email address and agree to receive promotion information.
Notice of Addition / Change of
Contact Details Instruction Form for Receiving
Marketing Materials
Reminders about Responsible Borrowing
- You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs.
- You should have assessed your repayment ability and avoid over-borrowing.
- You should repay any outstanding balance on time to avoid late payment charges and additional overdue interest charged by the bank.
- To borrow or not to borrow? Borrow only if you can repay!
In case you wish to enquire whether a third party is appointed by our Bank for referring credit card or loan application, please contact customer service hot line 2818 0282
