Enjoy the freedom of flexible monthly payments

HSBC Spend Instalment helps you manage your finances by dividing your purchases into smaller instalments. Best of all, you can use it on a wide range of transactions including:

  • Downpayment on a car
  • Online shopping
  • Electronic gadgets
  • Air tickets

How it works

Here's an example of how HSBC Spend Instalment works:

Purchase a new laptop for S$1,800 with your HSBC credit card
Instalment period
One-time processing fee
Monthly instalment
12 months

S$90 

(based on 5% transaction amount)

S$150
Purchase a new laptop for S$1,800 with your HSBC credit card
Instalment period
12 months
One-time processing fee

S$90 

(based on 5% transaction amount)

Monthly instalment
S$150
Opt for any of our instalment payment periods available with a low one-time processing fee
Instalment Period 3 months 6 months 12 months
Processing fee 3% 3% 5%
Opt for any of our instalment payment periods available with a low one-time processing fee
Instalment Period Processing fee
3 months 3%
6 months 3%
12 months 5%

Note: If you have an existing GIRO (General Interbank Recurring Order) arrangement, the deduction will be processed based on your Statement Account balance. If the transaction which is the subject of your Spend Instalment application has already been captured in your statement, the instalment will only be reflected in the next statement cycle. Where applicable, your account may, in the next statement cycle, appear in credit balance (being the reversal of the full amount of the transaction less the instalment amount).

Apply now

Apply by SMS

Simply SMS INST<space>Name<space>16-digit card number to 74722.


An HSBC customer service officer will then contact you on your application within 3 working days.

Apply by phone

Contact us on 1800-HSBC NOW (4722 669) to apply.

Frequently Asked Questions

Things to note

Upon approval, you will receive a letter informing you of the flexible monthly instalments.