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Spend Instalment on HSBC Vietnam App

Convert your credit card purchases into flexible monthly instalments.

Enjoy greater convenience and financial flexibility with the HSBC Spend Instalment. Whether you use your HSBC Credit Card to invest in your childrens' education, buy the hottest gadgets, upgrade your household appliances or take a relaxing trip, now it's easy to break up your big purchases into affordable payments using the HSBC Vietnam app.

Benefits

  • Flexible repayment periods (up to 12 months)

  • Instant approval through the HSBC Vietnam app, no supporting documents required

  • 0% interest rate

  • Low conversion fee

  • Convert multiple transactions in one Spend Instalment

How it works

Shop with your HSBC Credit Card and convert the bill into equal monthly repayments. You can choose the repayment time – up to 12 months with 0% interest and a low one-time conversion fee.

Instalment Period

(months)

HSBC Visa Classic Credit Card

Other card types*

Installment conversion fee (**)

(Group 1)

Other card types*

Installment conversion fee (**)

(Group 2)

3 1.25% 1.49% 1.99%
6 3.49% 3.49% 3.99%
9 4.49% 4.49% 4.99%
12 5.49% 5.49% 5.99%

Shop with your HSBC Credit Card and convert the bill into equal monthly repayments. You can choose the repayment time – up to 12 months with 0% interest and a low one-time conversion fee.

Instalment Period

(months)

3
HSBC Visa Classic Credit Card 1.25%

Other card types*

Installment conversion fee (**)

(Group 1)

1.49%

Other card types*

Installment conversion fee (**)

(Group 2)

1.99%

Instalment Period

(months)

6
HSBC Visa Classic Credit Card 3.49%

Other card types*

Installment conversion fee (**)

(Group 1)

3.49%

Other card types*

Installment conversion fee (**)

(Group 2)

3.99%

Instalment Period

(months)

9
HSBC Visa Classic Credit Card 4.49%

Other card types*

Installment conversion fee (**)

(Group 1)

4.49%

Other card types*

Installment conversion fee (**)

(Group 2)

4.99%

Instalment Period

(months)

12
HSBC Visa Classic Credit Card 5.49%

Other card types*

Installment conversion fee (**)

(Group 1)

5.49%

Other card types*

Installment conversion fee (**)

(Group 2)

5.99%

(*) Other card types includes HSBC Visa Cash Back Credit Card, HSBC Visa Platinum Credit Card, HSBC Premier Mastercard® Credi Card®

(**) The installment conversion fee is applicable for each customer group as defined below:

- Group 1: Customers who have their credit cards opened more than 3 months, register for an installment plan via HSBC Vietnam Mobile App and have settled full monthly payment in the last 6 months.

- Group 2: Other customers who register for an installment plan via HSBC Vietnam Mobile App that not classified in Group 1.

For example:

Customer A opened an HSBC Platinum credit card on 01 December 2021 and from the card opened date, he always settled full payment for the monthly statements. Customer A used the HSBC Platinum credit card to make 02 purchases on 01 April 2022 with transaction value of VND 2,500,000 and VND 3,000,000. Customer A has a demand to convert into installment plan for the total amount of VND 5,5000,000.

- The conversion fee applied for Customer A will follow the tariff in Group 1 upon the tenor of 3 or 6 or 9 or 12 months respectively. An illustration for monthly installment amount is showed as below table:

Instalment tenor Total Instalment amount (VND) Installment conversion fee by % Installment conversion fee by amount (VND) Monthly instalment amount (VND)
3 months 5,500,000 1.49% 81,950 1,833,333.33
6 months 5,500,000 3.49% 191,950 916,666.67
9 months 5,500,000 4.49% 246,950 611,111.11
12 months 5,500,000 5.49% 301,950 458,333.33

For example:

Customer A opened an HSBC Platinum credit card on 01 December 2021 and from the card opened date, he always settled full payment for the monthly statements. Customer A used the HSBC Platinum credit card to make 02 purchases on 01 April 2022 with transaction value of VND 2,500,000 and VND 3,000,000. Customer A has a demand to convert into installment plan for the total amount of VND 5,5000,000.

- The conversion fee applied for Customer A will follow the tariff in Group 1 upon the tenor of 3 or 6 or 9 or 12 months respectively. An illustration for monthly installment amount is showed as below table:

Instalment tenor 3 months
Total Instalment amount (VND) 5,500,000
Installment conversion fee by % 1.49%
Installment conversion fee by amount (VND) 81,950
Monthly instalment amount (VND) 1,833,333.33
Instalment tenor 6 months
Total Instalment amount (VND) 5,500,000
Installment conversion fee by % 3.49%
Installment conversion fee by amount (VND) 191,950
Monthly instalment amount (VND) 916,666.67
Instalment tenor 9 months
Total Instalment amount (VND) 5,500,000
Installment conversion fee by % 4.49%
Installment conversion fee by amount (VND) 246,950
Monthly instalment amount (VND) 611,111.11
Instalment tenor 12 months
Total Instalment amount (VND) 5,500,000
Installment conversion fee by % 5.49%
Installment conversion fee by amount (VND) 301,950
Monthly instalment amount (VND) 458,333.33

How to apply for our Spend Instalment

  1. Log on to your HSBC Vietnam app and select your credit card account
  2. Tap "Spend Instalment"
  3. Select which transactions you want to convert and your repayment plan
  4. Review and submit the application

Contact us

You can call our Contact Center on one of the following numbers:

Personal Banking customers: (84 28) 37 247 247 (the South) or (84 24) 62 707 707 (the North)

Platinum Credit Card holder (24/7): (84 28) 37 247 248

Premier customers (24/7): (84 28) 37 247 666

Already use Online Banking?

Available on iOS version 13 or above and Android version 7.0 and above.

HSBC Vietnam app does not support any beta or unofficial releases for iOS and Android.

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