分期Instalments
分期推廣以「免息」或低手續費作招徠，但手續費一樣會推高實際年利率。比較時應以實際年利率（APR）為準，並確認提早還款是否仍要付全期手續費。
現正優惠（35）
| 優惠 | 價值 | 分類 | 完結 | 連結 |
|---|---|---|---|---|
| 稅季搶先起步，鎖定低至 1.18% 實際年利率 | 1.18% 實際年利率 | 分期、獎賞 | 2026-10-31 | 連結 |
| 申請信用卡現金分期貸款 — 現金分期貸款 | 高達 HK$6,200 | 分期 | 2026-10-31 | 連結 |
| 蘇寧香港消費優惠 | 高達 HK$600 InstaRedeem | 購物、分期 | 2026-11-07 | 連結 |
| 簽賬分期獎賞 | 高達額外 $1,200 +FUN Dollars / 240,000 yuu 積分 | 分期、保險、電子產品 | 2026-11-24 | 連結 |
| Samsung 購物獎賞 | 高達 HK$2,000 現金回贈 | 購物、分期 | 2026-12-07 | 連結 |
| WeLab Bank 私人貸款優惠 – 高達HKD 23,888現金回贈¹ | 高達 HK$23,888 | 分期 | 2026-12-31 | 連結 |
| Tesla 客戶專享WeLab Bank私人分期貸款優惠 | 低至 4.55% 實際年利率 | 分期 | 2026-12-31 | 連結 |
| WeLab Bank 私人貸款「R Friends大薦」計劃 | 高達 HK$8,000 | 分期、獎賞 | 2026-12-31 | 連結 |
| 「Cash in Hand」計劃 | 高達 HK$3,888 | 分期 | 2027-01-04 | 連結 |
| 「現金在手」月結單分期 | 高達 HK$1,288 | 分期 | 2027-01-04 | 連結 |
| Flexi Shopping 費用回贈 | — | 分期、獎賞 | 2027-01-07 | 連結 |
| 全新 Auto Flexi Shopping 客戶優惠 | — | 分期、迎新優惠 | 2027-01-07 | 連結 |
| Flexi Shopping 優惠 – Apple Store | 手續費低至 HK$0 | 購物、分期 | 2027-01-21 | 連結 |
| 保險、日常繳費及簽賬分期獎賞 | 高達額外 $3,900 +FUN Dollars / 780,000 yuu 積分 | 保險、分期、獎賞 | 2027-01-31 | 連結 |
| 即時私人貸款 | 高達 HK$2,000 | 分期 | 2027-01-31 | 連結 |
| 「Unfold」新一代浪潮📱 選購最新智能手機可享高達 7% 回贈 + 0% 利息分期，新客戶更可獲高達 HKD3,500💰🤳 | 高達 7% 回贈 | 電子產品、分期、迎新優惠 | — | 連結 |
| 全新推出 Mox 債務合併貸款！重掌主導。一筆貸款，零煩惱。 | — | 分期 | — | 連結 |
| 率先入手最新 Samsung Galaxy 旗艦手機，享高達 HKD100 即時折扣及 0% 分期。開戶並消費即可再賺 HKD2,700 獎賞 🤑📲 | 高達 HK$2,700 | 電子產品、購物、迎新優惠、分期 | — | 連結 |
| Mox 獨家小米優惠 🖥📱：高達 7% 總現金獎賞 + 12 個月 0% 分期 💰 新客戶可獲高達 HKD3,400 現金獎賞🫰️ | 高達 7% 現金獎賞 | 電子產品、購物、網購、分期 | — | 連結 |
| Mox x csl 獨家優惠：「全城至抵」分期出機計劃 📲🤑 | 高達 HKD3,000 | 電子產品、分期、購物 | — | 連結 |
| 0% 利息* Instant Clear | 0% 利息 | 分期 | — | 連結 |
| 免息購物分期！ | 免息 | 分期 | — | 連結 |
| 商戶免息分期計劃 | — | 分期 | — | 連結 |
| 東亞銀行 AIA 信用卡 | 0.165% 月平息 | 保險、分期 | — | 連結 |
| 「現金在手」結餘轉戶 | 每月平息低至 0.25% | 分期 | — | 連結 |
| 現金透支 | 5% | 分期 | — | 連結 |
| 申請信用卡消費分期／賬單分期計劃享高達HK$800現金回贈 | 高達HK$800 | 分期、獎賞 | — | 連結 |
| 「理財貸輕鬆」電動車貸款計劃「禮券獎賞」 | — | 分期 | — | 連結 |
| 保費簽賬分期 | — | 保險、分期 | — | 連結 |
| 探索更多信用卡服務 | 高達 HK$6,000 | 分期、獎賞 | — | 連結 |
| 信用卡現金透支 | 長達 56 日免息還款 | 分期 | — | 連結 |
| 限時優惠 | 36 個月免息 | 分期、電子產品 | — | 連結 |
| Apple Watch S11 或 Ultra 3 | 36 個月免息 | 電子產品、分期 | — | 連結 |
| 香港迪士尼樂園酒店 | 12 個月免息 | 旅遊、娛樂、分期 | — | 連結 |
| 香港迪士尼樂園 | 12 個月免息 | 娛樂、分期 | — | 連結 |
留意事項
- 優惠會隨時新增或結束，本頁每次抓取銀行資料後自動更新。
- 同一優惠可能同時符合多個分類，實際回贈以銀行條款為準。
- 想收到新優惠通知，可在首頁以電郵或 Telegram 訂閱。
相關連結
Instalment offers advertise "interest-free" or low-fee terms, but a one-off handling fee still raises the effective rate. Compare using the annualised percentage rate (APR), and check whether early repayment still costs the full fee.
Live offers (35)
| Offer | Reward | Category | Ends | Link |
|---|---|---|---|---|
| Get ahead of tax season, lock in rates as low as 1.18% APR | 1.18% APR | Instalments, Rewards | 2026-10-31 | Link |
| Apply for Credit Card Cash Instalment Loan – Cash Instalment Loan | up to HK$6,200 | Instalments | 2026-10-31 | Link |
| SUNING Hong Kong Spending Offers | up to HK$600 InstaRedeem | Shopping, Instalments | 2026-11-07 | Link |
| Spending Instalment Rewards | up to extra $1,200 +FUN Dollars / 240,000 yuu Points | Instalments, Insurance, Electronics | 2026-11-24 | Link |
| Samsung Shopping Reward | up to HK$2,000 cash rebate | Shopping, Instalments | 2026-12-07 | Link |
| WeLab Bank Personal Loan Offer – Up to HKD 23,888 cash rebate¹ | up to HKD 23,888 | Instalments | 2026-12-31 | Link |
| Exclusive WeLab Bank Personal Instalment Loan Offer for Tesla Customers | as low as 4.55% APR | Instalments | 2026-12-31 | Link |
| WeLab Bank Personal Loan "R Friends Referral" Programme | up to HK$8,000 | Instalments, Rewards | 2026-12-31 | Link |
| "Cash in Hand" Programme | up to HK$3,888 | Instalments | 2027-01-04 | Link |
| “Cash in Hand” Statement Instalment | up to HK$1,288 | Instalments | 2027-01-04 | Link |
| Fee rebates for Flexi Shopping | — | Instalments, Rewards | 2027-01-07 | Link |
| New Auto Flexi Shopping Customers Offer | — | Instalments, Welcome Offer | 2027-01-07 | Link |
| Flexi Shopping Offers – Apple Store | handling fee as low as HK$0 | Shopping, Instalments | 2027-01-21 | Link |
| Insurance, Daily Bill Payment and Spending Instalment Rewards | up to extra $3,900 +FUN Dollars / 780,000 yuu Points | Insurance, Instalments, Rewards | 2027-01-31 | Link |
| Instant Personal Loan | up to HK$2,000 | Instalments | 2027-01-31 | Link |
| “Unfold” the next-gen wave📱 Get up to 7% rebates + 0% interest instalment on the latest smartphone, plus up to HKD3,500 for new customers💰🤳 | up to 7% rebate | Electronics, Instalments, Welcome Offer | — | Link |
| Introducing Mox Debt Consolidation Loan! Take Back Control. One Loan, Zero Hassle. | — | Instalments | — | Link |
| Get first-hand access to the latest Samsung Galaxy flagship phone with up to HKD100 instant discount and 0% installment. Open account and spend to earn another HKD2,700 rewards 🤑📲 | up to HK$2,700 | Electronics, Shopping, Welcome Offer, Instalments | — | Link |
| Mox-exclusive Xiaomi Offer 🖥📱: Up to 7% Total Cash Rewards + 12-mo 0% Instalments 💰 New Customers Get Up to HKD3,400 Cash Bonus🫰️ | up to 7% cash rewards | Electronics, Shopping, Online, Instalments | — | Link |
| Mox x csl exclusive offer: "Best-in-Town" device plans with installments 📲🤑 | up to HKD3,000 | Electronics, Instalments, Shopping | — | Link |
| 0% interest* Instant Clear | 0% interest | Instalments | — | Link |
| Interest-free Purchase Instalment! | Interest-free | Instalments | — | Link |
| Merchant Interest-free Installment Plan | — | Instalments | — | Link |
| BEA AIA Credit Card | 0.165% monthly flat rate | Insurance, Instalments | — | Link |
| “Cash in Hand” Balance Transfer | as low as 0.25% monthly flat rate | Instalments | — | Link |
| Cash Advance | 5% | Instalments | — | Link |
| Apply for a Credit Card Spending Instalment / Bill Instalment Plan and Enjoy up to HK$800 Cashback | up to HK$800 | Instalments, Rewards | — | Link |
| “Wealth Management Loan Easy” Electric Vehicle Loan Plan “Gift Voucher Reward” | — | Instalments | — | Link |
| Insurance Premium Spending Installment | — | Insurance, Instalments | — | Link |
| Explore more card services | up to HK$6,000 | Instalments, Rewards | — | Link |
| Credit Card Cash Advance | interest-free repayment up to 56 days | Instalments | — | Link |
| Limited time offer | 36 months interest-free | Instalments, Electronics | — | Link |
| Apple Watch S11 or Ultra 3 | 36 months interest-free | Electronics, Instalments | — | Link |
| Hong Kong Disneyland hotel | 12-month interest-free | Travel, Entertainment, Instalments | — | Link |
| Hong Kong Disneyland | 12-month interest-free | Entertainment, Instalments | — | Link |
Worth checking
- Offers start and end constantly; this page refreshes after each scrape of the banks’ sites.
- One offer can belong to several categories — the bank’s terms decide the actual reward.
- To hear about new offers, subscribe by email or Telegram from the home page.
Related
最後更新 / Last updated: 2026-10-09