Top of main content

Instant EMI

Buy a wide range of products and services from electronics to travel and more on your HSBC Credit Card, and repay in EMIs (Equated Monthly Instalments) at your convenience. questions about the Apple Pay with HSBC cards

Instant EMI Features & Benefits

Buy a wide range of products and services from electronics to travel and more on your HSBC Credit Card, and repay in EMIs (Equated Monthly Installments) at your convenience.

Make your shopping a lot more convenient and rewarding. Repay the purchase value in EMIs over a period of time.

  • Repayment Tenure of 3, 6, 9, 12, 18 or 24 months
  • No documentation required
  • Earn Reward points on your card on the EMI transactions 
  • NIL Processing Fees

Interest rate on the Instant EMI facility is applicable basis the tenure selected. Please refer the below table

Instant EMI Tenure Interest Rates
Tenure of Instant EMI facility (in months) 3 6 9 12 18 24
Interest rate (per annum)
12.5% 
12.5% 
13.5%
13.5%
13.5%
15%
Instant EMI Tenure Interest Rates
Tenure of Instant EMI facility (in months) Interest rate (per annum)
3 12.5% 
6 12.5% 
9 13.5%
12 13.5%
18 13.5%
24 15%


Now when you shop with your HSBC Credit Card for the latest gadgets, fresh groceries, trendy apparel or booking travel tickets, pay in easy instalments at the listed merchant partners.

Offers to be confirmed by the Merchant at the point of sale/ prior to purchase

Important Information

Terms & Conditions

If approved, your credit card will be dispatched within 3 weeks. Please contact HSBC Phone Banking, after 3 weeks to know the status of your credit card application.

Issuance of credit card is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India. All features and benefits are subject to Terms and Conditions. Please refer to the respective web pages /click here link/attachment to know details.