Balance Conversion Plan

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HSBC Credit Card Balance Conversion Plan

You can convert outstanding balance of your Credit card into affordable fixed monthly instalments with attractive interest rate and variety of tenor.

Check eligibility and how to apply for HSBC Balance Conversion Plan

Benefits of Balance Conversion Plan

Competitive conversion fee
Attractive interest rate

Flexible tenor up to 36 months
No supporting documents

Monthly instalment example

Here is an illustration of how much your monthly instalments will be, based on the approved credit card balance of 20,000,000 VND depending on the tenor selected:
Tenor	6 months	9 months	12 months	24 months	36 months
Interest rate¹	1.25%/ month	1.25%/ month	1.25%/ month	1.50%/ month	1.50%/ month
Monthly instalment	VND3,584,000	VND2,473,000	VND1,917,000	VND1,134,000	VND856,000

Here is an illustration of how much your monthly instalments will be, based on the approved credit card balance of 20,000,000 VND depending on the tenor selected:
Tenor	Interest rate¹
6 months	1.25%/ month
9 months	1.25%/ month
12 months	1.25%/ month
24 months	1.50%/ month
36 months	1.50%/ month

Tenor	Monthly instalment
6 months	VND3,584,000
9 months	VND2,473,000
12 months	VND1,917,000
24 months	VND1,134,000
36 months	VND856,000

Please note: Monthly Balance Conversion Instalment Amount including monthly principal instalment and monthly interest amount will be displayed on your monthly HSBC Credit Card Statement.

¹Interest rate may be changed depending on customer type classified by HSBC in each period of time. Interest rate will be calculated on the original approved amount and the total interest amount should not be lower than the minimum interest amount 200,000 VND/ each request.

Eligibility criteria

Only applicable for selected HSBC Vietnam Credit cardholders who receive an invitation email/SMS for this service with the offered interest rate/fee included.

Cardholder should send request before expiry date shown on invitation SMS/ email.