In detail More information HSBC’s 0% Installment Merchants Exclusive Deals

Enjoy instalment deals up to 36 months to pay with your HSBC Credit Card
With your HSBC Credit Card, you can purchase high-ticket items like gadgets, appliances, airplane tickets and so
much more at 0% interest on instalment payable up to 36 months!

HSBC’s 0% Instalment merchants*

Airlines Philippine Airlines

Computer, Gadgets, Abenson | Automatic Centre | Fone Style | PC Express | Silicon Valley | Ambassador
Electronics, Appliances, Appliances Inc | AV Surfer | Globe | Powermac | SM Appliance** | Ambassador Home
Telecommunications & Electronics Centre Inc. | Avid | iSwitch | Robinson’s Appliance | Villman | Anson
Electroworld | Manila Imperial | Robinson’s Savers | Western | KitchenAid | Fissler |
inSinkErator | Tempur | Coleman | Memoxpress | TCA Digital | Perfect Shot
Department Stores Robinson’s Dept Store | Rustan’s Department Store | The SM Store | SM Mindpro
Zamboanga | W Department Store
Food Stores/ Amway | Savemore Market | SM Hypermarket | SM Supermarket
Supermarkets
Health, Beauty and Facial Care | Marie France | Medical City | Svenson
Wellness
Home Furnishing Ace Builders | Ace Hardware | Crate & Barrel | Robinson’s Builders | Ace Express | Blims
| Handyman | True Value
Other Retail Baby Company | Pet Express | Toy Kingdom | Toys R’ Us | Watsons
Retail Boutiques, Adidas | Calvin Klein | Platinum | Levi’s | Sfera | Uniqlo | Adora | Forever 21 | New
Clothing Balance | Simply Shoes | Uptrend Fashion - Surplus | Bata Shoes | Hermes | Nike |
Surplus | Bvlgari | Joseph | Rustan’s Redtag Store | The Body Shop | Cartier | Kultura
| Robinson’s Fashion Affiliates (Topshop, Topman, Dorothy Perkins, Burton, Miss
Selfridge, G2000, Warehouse) | Tiffany | Crocs | Sports Central
More information
Terms and conditions
Frequently Asked Questions

Special Deals

Shopping

Rustan’s Department Store The SM Store

Travel

Philippine Airlines

Appliances

Manila Imperial Motor Sales Automatic Centre

Gadgets

CameraHaus Fone Style Henry’s Cameras

Dyson Switch

Beauty and Wellness

Belo Medical Group

HSBC’s Card Instalment Plan
Terms and Conditions

1. HSBC’s Card Instalment Plan (“HIP”) is the instalment facility of The Hongkong and Shanghai Banking
Corporation Limited (“HSBC”), which allows an HSBC credit cardholder (“Cardholder”) to purchase se-
lected goods and services from accredited HIP merchants in the Philippines using their HSBC credit card
(“the Card”) and pay for the same, together with applicable interest and other fees, on instalment basis.
In certain instances or promotions, HSBC may, at its sole discretion, allow the Cardholder to convert into
instalment transaction purchases made using the Card at non-accredited HIP merchants.

2. The Cardholder agrees that HSBC may at its option require a minimum purchase amount to qualify for HIP.

3. The Cardholder agrees that the beneficial title to the goods purchased through HIP, including any and all
replacements, accessions and accessories thereto, shall remain with HSBC until the total HIP instalment
price is paid in full. The Cardholder shall, in the meantime, possess and hold the same in trust for HSBC.

4. The Cardholder agrees not to alter, return, pledge, mortgage, sell, assign, pawn, lease or part with the pos-
session of the goods without the prior written consent of HSBC and until and unless the Cardholder shall
have paid the total HIP instalment price including all other charges that may arise out of the purchase.

5. The Cardholder acknowledges that the total HIP instalment price plus any Interest (“Handling Fee”) from
the instalment purchase shall be deducted from the available credit limit on the HSBC credit card account
at the time of approval, but shall be posted at Statement billing / cut-off date in fixed equal monthly in-
stalment amounts on each statement of account. The entire monthly instalment amount shall form part of
the Minimum Amount Due on each statement of account. The Cardholder shall have the option to pay the
Minimum Amount Due, every month. ,. If he does so, or if the Cardholder revolves any portion of the Total
Amount Due in any given month, this shall be included in the computation of the Finance Charge and Late
Payment Charge (if applicable) for that month. The Cardholder shall be liable to pay these charges, plus any
applicable taxes and charges required by the government thereon, over and above the applicable interest
due on the instalment transaction. The finance charges, at HSBC’s prevailing rate, will be levied using the
average daily balance method upon the Cardholder’s opening balance and all new transactions posted,
including any applicable fixed monthly instalment amount and interest thereon, within the statement period
accrued from the transactions’ posting date until the end of the current statement period.

6. The use of the Card in connection with HIP shall be subject to the Terms and Conditions governing HSBC’s
Credit Card Products to the extent not inconsistent herewith.

7. The Cardholder’s availment of HIP shall be considered his/her acceptance of and agreement to be bound
by these terms and conditions and such amendments hereof as may be made by HSBC and advised from
time to time.

8. HIP cannot be availed of in conjunction with ongoing HIP Merchant, other HSBC credit card and/or govern-
ment promotions.

9. HIP is available in select branches and over select items of the HIP merchant. The HIP Merchants listed in
this material are current as of print date. HSBC reserves the right to change the line-up of HIP Partner Mer-
chants participating in the HIP program from time to time. The latest list of HIP merchants may be found
at HSBC’s website www.hsbc.com.ph. The items included in the 0% Interest Instalment Plan and/or in the
Deferred Payment Plan, shall be identified in the price tag of the item.

10. In case of pre-termination or cancellation of the HSBC Card Instalment Plan transaction before the end of
the chosen repayment period, HSBC reserves the right to charge to the cardholder’s account a processing
fee of Five Hundred Pesos (P500), whichever is higher.

11. All decisions made by HSBC or the HIP Merchant regarding this promotion are considered final.

Updated as of July 2013.

HSBC’s Card Instalment Plan
Frequently Asked Questions

1. What is HSBC’s Card Instalment Plan?

HSBC’s Card Instalment Plan (HiP) is a feature of your HSBC credit card that allows you to pay credit card
purchases made at accredited merchants in fixed monthly instalments (“instalment”) at zero percent (0%)
interest over your preferred repayment period.

“Repayment Period” refers to the number of months you have to pay off the purchase amount. It is also
commonly called “tenor” or “term.”
2. Who can avail of instalment?
All HSBC credit cardholders in good credit standing are eligible to purchase on instalment.
3. What do you mean by zero percent (0%) interest?
Zero percent (0%) refers to an instalment transaction where there is no additional interest or finance charge
that is applied to the actual cost of the item you purchased using your HSBC Credit Card’s instalment facili-
ty over the selected tenor. As such, you only need to pay monthly a fixed amount computed by dividing the
purchase amount by the chosen number of months to pay.

Monthly Instalment Amount at 0% interest = Purchase Amount/No. of Months to Pay

4. What happens in case my instalment transaction amount cannot be divided equally over the
chosen tenor or term?
The system shall make the necessary adjustment on the last monthly instalment amount to be posted to
your Statement of Account. For example, an instalment transaction amount of Php10,000 payable over a
3-month tenor shall be posted to your SOA as follows:

1st of 3 instalments = Php3,333.33

2nd of 3 instalments = Php3,333.33
3rd of 3 instalments = Php3,333.34
5. Is there a minimum purchase amount for a transaction to be eligible for instalment?
To qualify, cardholders must satisfy the single-receipt transaction minimum purchase amount prescribed
by the merchant. Some merchants may allow cardholders to combine several items in order to reach the
minimum purchase amount.
6. What tenors are available?
The shortest instalment tenor we offer is three (3) months to pay. Certain stores may offer longer instalment
tenors such as 6 months, 9 months, 12 months, 18 months and above. Please ask the merchant your op-
tions before making a purchase.
7. Are all the items in stores available for purchase on instalment?
Our partner stores determine which items may be purchased on instalment. Please ask the merchant your
options before making a purchase.
8. Where can I avail of HSBC’s Card Instalment Plan?
The option to do instalment is available at selected appliance centers, furniture stores, department stores
and specialty fashion retail shops. HSBC is continually expanding its network of partner stores so please
always ask the merchant your options before making a purchase.
9. Can I clearly see in my statement of account all instalment transactions? My monthly instalment
amortization?
Yes, it will be reflected in your Statement of Account as a regular purchase transaction with the monthly
instalment amount and schedule of payment (e.g. 1st of 12 instalments) shown. There’s also an instalment
summary section found at the lower left of your statement.
10. If I cannot pay the monthly instalment amount for the month, will I incur penalty charges?
The monthly instalment amount of instalment transactions made starting 22 July 2013 will form part of
your Minimum Amount Due--which must be fully paid on Due Date. Should you be unable to pay the
monthly instalment amount by the Due Date, or the full amount of your Minimum Amount Due by the Due
Date as indicated in your Statement of Account, your account will become past due and your account will
incur finance and late charges.
11. If I am currently revolving a balance on my card, will I still be charged interest on my monthly
instalment amount even if I pay it off in full?
For instalments availed starting 22 July 2013, no finance charges will be incurred on the instalment itself if
you pay the full Minimum Amount Due on or before the payment due date.

Instalments availed prior to 22 July 2013 will still incur finance charges if the monthly balance of the card is
not fully paid.
 12. Can my supplementary card get items for instalment?
Yes. Please note though that all instalment purchases made by your supplementary card shall be posted
and/or charged to your credit card account.
13. How much of the instalment amount will be applied to my available credit limit?
You do not have a separate credit limit for instalment thus the entire instalment amount will be deducted
from your card’s available credit limit. Your available credit limit will be replenished as you pay your total
due amount each month.
14. Do I earn Bonus Points for my instalment transactions?
Yes. You earn the bonus points from the time you made the instalment transaction.

For more information regarding HSBC’s Card Instalment Plan, please call our 24/7 hotline at (02) 85-800. You may
also visit www.hsbc.com.ph.

Rustan’s Department Store

Offer valid until December 31, 2018

Per DTI-FTEB Permit No. 11706, Series of 2018.

The SM Store

Offer valid until December 31, 2018

Per DTI-FTEB Permit No. 16771, Series of 2018

Philippine Airlines
0% instalment up to 9 months, subject to the following minimum amount:
•PHP20,000 – 3 months
•PHP50,000 – 6 months
•PHP100,000 – 9 months
Book via www.philippineairlines.com

Valid until January 31, 2019

Terms and conditions apply.
Per DTI-FTEB Permit No. 14525, Series of 2018
Manila Imperial Motor Sales

DAIKIN SPLIT TYPE KOPPEL SPLIT TYPE

INVERTER AIRCONS INVERTER AIRCONS

FTKC25SQVMÂ 1HP KV09WM-ARF21CÂ 1HP

Selling Price: PHP32,200 Selling Price: PHP30,000 As
As low as PHP894.44 per low as PHP833.33 per month
month for 36 months for 36 months

FTKC35SQVM 1.5 HP KV12WM-ARF21C 1.5HP

Selling Price: PHP36,000 Selling Price: PHP34,000
As low as PHP1,000.00 per As low as PHP944.44 per
month for 36 months month for 36 months

FTKC50SQVM 2.0HP KV18WM-ARF21C 2HP

Selling Price: PHP46,300 Selling Price: PHP43,300
As low as PHP1,286.11 per As low as PHP1,202.78 per
month for 36 months month for 36 months

FTKC60SQVM 2.5 HP KV24WM-ARF21C 2.5HP

Selling Price: PHP53,700 Selling Price: PHP50,600
As low as PHP1,491.67 per As low as PHP1,405.56 per
month for 36 months month for 36 months

KV27WM-ARF21C 3HP
Selling Price: PHP70,000
As low as PHP1,944.44

Offer valid until December 31, 2018.

Terms and conditions apply.
Per DTI FTEB Permit No. 0657, Series of 2018.

Automatic Centre

Sale event is from November 29 to December 10, 2018

Per DTI-FTEB Permit No. 14270, Series of 2018.
Fone Style
10% Discount on any accessories for every purchase of a mobile phone on
instalment up to 36 months or straight purchase

List of Branches: All Fone Style Branches

Valid until December 31, 2018

Camerahaus
Receive a free HD DVR car dash camera for a minimum PHP30,000 spend
on 24 months 0% instalment

List of Branches: All branches

Valid until December 31, 2018

Henry’s Cameras
Get a FREE Havit M6 Bluetooth Speaker
(worth PHP1,690) for a minimum single
receipt purchase of PHP25,000 on 0%
installment from 6 to 24mos

September 15 to December 31, 2018

Redemption period until March 1, 2019

Per DTI-FTEB Permit No. 17417, Series of

2018.

List of Branches:
Henry’s Cameras Quiapo
Henry’s Cameras Hidalgo
Henry’s Cameras Trinoma
Henry’s Cameras SM North Edsa
Henry’s Cameras Uptown BGC
Henry’s Cameras Circuit
Henry’s Cameras Ayala Cebu
Henry’s Cameras Virra Mall
Henry’s Cameras Alabang Town Center
Henry’s Cameras Glorietta

September 15 to December 31, 2018

Redemption period until March 1, 2019

Per DTI-FTEB Permit No. 17417, Series of 2018.

Dyson
• Up to 20% discount on selected items plus 0% installment up to 3 mos
• 0% installment up to 6 mos for all other regular-priced items

Available only at Dyson Podium

Offer valid from December 1, 2018 to January 15, 2019

Per DTI FTEB Permit No. 19976, Series of 2018
Switch
0% instalment up to 9 months, subject to the following minimum amount:

• PHP20,000 – 3 months

Apple Watch Series 1

Apple Watch Nike +
Apple Watch Series 3
Apple Airpods*

• 0% Installment up to 36 months on other Apple devices released last

2016.

Available in all Iswitch branches nationwide.

Offer Valid until December 31, 2018. Per DTI-FTEB Permit No. 18357, Series of 2018.

Belo Medical Group

• 15% OFF with a minimum spend of
PHP2,400 during your first visit
• 10% discount during your succeed-
ing visits, with no minimum spend
requirement
• 0% installment up to 12 months!

PHP10,000 – 3 months
PHP25,000 – 6 months
PHP100,000 – 12 months

Click here for list of participating branches.

Terms and conditions apply.
Per DTI-FTEB Permit No. 15194, Series of 2018.

HSBC’s Credit Card Products Terms & Conditions apply

HSBC and Philippine Airlines’s 0% Installment Online Promo Mechanics

1. HSBC and Philippine Airline’s 0% Installment Online Promo Mechanics (“the Promo”) is valid for tickets issued until January
31, 2019 (“the Promo Period”)

2. The Promo is open to all HSBC credit cardholders whose cards are issued in the Philippines and are in good credit standing
(“the Cardholder”). HSBC Corporate and Debit cards are excluded from the Promo.

3. To avail of the Promo, the Cardholder must purchase his/her Philippine Airlines tickets online
at www.philippineairlines.com using his/her HSBC Credit Card during the Promo Period. Transaction/Booking
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at www.philippineairlines.com must be done via:

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 Desktop

 Laptop

 Tablet including iPad Gen 1 and 2

And excluding
 mobile

 iPad Mini

 other Phablets

4. Booked fares are non-endorsable and may not be refundable.

If the fare conditions permit refund, the unused tickets bought online may be refunded subject to applicable penalties.
Please visit or call any Philippine Airlines Ticket Office or send an e-mail to onlinebooking_refunds@philippineairlines.com .
U U

Unless requested from PAL, PAL will not automatically refund your unused tickets.

If the HSBC credit card used is not under passenger’s account name, passenger and the credit card holder both agree that:

• Either the passenger or credit card holder may apply for online refund application;
• The refund will automatically be credited to the credit card account used;

Note: Some fares are non-refundable. Please check the PAL fare conditions relating to the selected airfare(s).

5. All fares are subject to PAL’s specific fare rules per destination and terms and conditions.

6. Online installment is available on prime booking only. Not available for booking changes transactions.

7. Transaction amounts in currencies other than Philippine Peso shall be converted to the billing currency (Philippine Peso)
using the prevailing foreign exchange rate during time of posting.

8. Prices exclude Philippine Travel Tax, other charges and fees that are collected at the airport.

9. To avail of the 0% installment, required minimum transaction amount shall apply:

• For 3 month installments – minimum of P20,000

• For 6 month installments – minimum of P50,000
• For 9 month installments – minimum of P100,000
 10. Monthly amortization computation will be presented in SOA rounded-off to the last 2 decimal points/centavo value. HSBC
shall make the necessary adjustment on the last monthly installment amount considering residual amount and missed
amortization due to late presentments, if applicable.

For example, transaction amount is PHP20,000 for an installment payable over 3-month tenor shall be posted in your SOA as
follows:

1st of 3 installments = Php6,666.67

2nd of 3 installments = Php6,666.67
3rd of 3 installments = Php6,666.66

11. Flights will be governed by the terms and conditions of the Philippine Airlines who supplies the flight(s) to you. For any
questions regarding the flight options please contact the Philippine Airlines directly at +63 2 855-8888.

Per DTI FTEB Permit No. 14525. Series of 2017.

T&Cs on the Exclusive Offers

U HSBC Credit Card and Belo Exclusive Offer Promo

1. The Promo is open to all primary and supplementary HSBC Credit Cardholders (Cardholders), whose cards are issued in
the Philippines, are active and in good credit standing. Corporate and debit cardholders are excluded from this promotion.
For the avoidance of doubt, a card is in good credit standing if there is no reason for HSBC to restrain, suspend, cancel,
withdraw or terminate the card pursuant to the HSBC Card Terms and Conditions as well as Legal and Regulatory
Compliance Policy considerations.
2. Promo period is from November 15, 2018 to December 31, 2019.
3. Under this exclusive offer, cardholders can get 15% off for a minimum spend of Php2,400 on their first visit and 10% off
with no minimum spend on their succeeding visits plus they can avail of 0% installment up to 12 months.
4. Cardholders must settle payment with their HSBC credit card to enjoy the offers.
5. Monthly amortization computation will be presented in SOA rounded-off to the last 2 decimal points/centavo value.
HSBC shall make the necessary adjustment on the last monthly installment amount considering residual amount and
missed amortization due to late presentments, if applicable.

For example, transaction amount is Php 25,000 for an installment payable over 12 - month tenor shall be posted in your
SOA as follows:

1st of 12 installments 2,083.33

2nd of 12 installments 2,083.33
3rd of 12 installments 2,083.33
4th of 12 installments 2,083.33
5th of 12 installments 2,083.33
6th of 12 installments 2,083.33
7th of 12 installments 2,083.33
8th of 12 installments 2,083.33
9th of 12 installments 2,083.33
10th of 12
installments 2,083.33
11th of 12
installments 2,083.33
12th of 12
installments 2,083.33

6. 0% interest offer is valid only if minimum amount due is paid/settled on or before the due date and subject to bank
approval.
7. The Promo cannot be used in conjunction with any other discounts, promotions, discounted items and fixed-price items
(unless specified). Sales-As-Is and Bundle promos are excluded.
8. The offers cannot be exchanged for cash or other products offered by Belo.
9. HSBC is not a supplier of the products and services for the Programme and accepts no liability for the quality of goods
and services provided by Belo involved in this promotion.
10. The exclusive 0% installment offer is bound by the HIP terms and conditions stipulated by HSBC and Belo.
11. In case of pre-termination or cancellation of the HSBC Card Installment Plan transaction before the end of the chosen
repayment period, HSBC reserves the right to charge to the cardholder's account a processing fee of Five Hundred
Pesos (P500).
12. In case of dispute with respect to the Cardholder's eligibility, coverage of dates, fulfillment, and Promo Mechanics,
HSBC's decision will prevail, in concurrence with DTI.

Per DTI FTEB-SPD Permit No. 15194. Series of 2018.

Participating Branches
Alabang
Westgate Center, Filinvest Alabang, Muntinlupa City 1781, Philippines

Landline 771 2350; 771 2353

Mobile (0999) 885 7736
• Monday, Tuesday, Wednesday, Thursday, and Saturday
10AM – 7PM
• Friday
9AM – 6PM
• Sunday
10AM – 5PM

Bonifacio High Street Central

Lower Ground Flr., 28th St., Bonifacio High Street Central, BGC, Taguig City 1630, Philippines

Landline 621 4030; 621 4031

Mobile (0917) 840 9268; (0999) 885 7731
• Monday – Friday
11AM – 8PM
• Saturday
10AM – 7PM
• Sunday
10AM – 5PM

Greenbelt Makati
The Residences at Greenbelt, San Lorenzo Tower, Esperanza St., Greenbelt Complex, Makati City 1228, Philippines

Landline 817 7178; 817 9283

Mobile (0917) 839 8182; (0999) 885 7741
• Monday, Tuesday, Thursday, Friday, and Saturday
10AM – 8PM
• Wednesday
10AM – 7PM
• Sunday
10AM – 5PM

Greenhills
49 Connecticut St., Northeast Greenhills, San Juan City 1503, Philippines

Landline 724 6626; 724 7443

Mobile (0917) 891 3762; (0999) 885 7735
• Monday – Friday
10AM – 7PM
• Saturday
9AM – 6PM
• Sunday
10AM – 5PM

Medical Plaza Makati

Suite 901 Medical Plaza Makati, Amorsolo cor. Dela Rosa Sts., Legaspi Village, Makati City 1229, Philippines

Landline 844 1182; 843 6007

Mobile (0917) 800 9642; (0999) 885 7742
• Monday – Friday
10AM – 7PM

• Saturday
9AM – 6PM
• Sunday
Closed
Powerplant Mall
New!
R3 Level, Powerplant Mall, Rockwell Center, Makati City 1200, Philippines
Landline 478 3823; 4783826
Mobile (0999) 885 7742; (0917) 800 9642
• Monday – Friday
11AM – 8PM
• Saturday
10AM – 7PM
• Sunday
10AM – 5PM

S Maison
Level 2, S Maison, Marina Way, Mall of Asia Complex, Pasay City 1300, Philippines

Landline 776 8733; 776 8734

Mobile (0918) 908 9566 ; (0917) 599 8561
• Monday – Saturday
11AM – 8PM
• Sunday
10AM – 5PM

Shangri-la Plaza
5th Level (Main Wing), Shangri-La Plaza, EDSA corner Shaw Boulevard,
Mandaluyong City 1552, Philippines

Landline 706 4941; 706 4942

Mobile (0999) 885 7692; (0917) 528 6840
• Monday – Saturday
11AM – 8PM
• Sunday
10AM – 5PM

SM The Block
5th Level, The Block, SM North EDSA, Quezon City Philippines

Landline 374 3713; 374 2559

Mobile (0998) 9666298; (0917) 5360385
o Monday, Wednesday, Thursday, Friday, and Saturday
10AM – 8PM
o Tuesday
10AM – 7PM
o Sunday
10AM – 5PM

The Mega Atrium

5th Level, SM Megamall, EDSA cor. Julia Vargas Ave., Mandaluyong City 1550, Pilippines

Landline 470 1992

Mobile (0917) 584 9260; (0999) 885 7708
• Monday, Wednesday, Thursday, Friday, and Saturday
10AM – 8PM

• Tuesday
10AM – 7PM
• Sunday
10AM – 5PM
Tomas Morato
305 Tomas Morato Ave., cor. Scout Madriñan St., South Triangle, Quezon City 1103, Philippines
 Landline 373 3355; 373 3188
Mobile (0917) 832 0576; (0999) 885 7739
• Monday – Friday
10AM – 7PM
• Saturday
9AM – 6PM
• Sunday
10AM – 5PM

Trinoma
3rd Level, TriNoma, North Ave., Quezon City Philippines

Landline 943 2230; 943 2231

Mobile (0917) 863 5572; (0999) 885 7734
• Monday, Wednesday, Thursday, Friday, and Saturday
10AM – 8PM
• Tuesday
10AM – 7PM
• Sunday
10AM – 5PM

Ayala Center Cebu

1st Level, The Terraces, Ayala Center Cebu, Cebu City 6000, Philippines

Landline (032) 234 2356; (032) 417 1323

Mobile (0917) 552 6986; (0999) 885 7740
• Monday, Tuesday, Wednesday, Thursday, and Saturday
10AM – 8PM
• Friday
10AM – 7PM
• Sunday
10AM – 5PM

Abreeza Mall Davao

New!
2nd Level, Abreeza Mall Davao, J.P. Laurel Avenue, Davao City Philippines

Landline (082) 296 2356

Mobile (0998) 966 6297; (0917) 536 0794
• Monday, Wednesday, Thursday, Friday, and Saturday
10AM – 9PM
• Tuesday
10AM – 7PM
• Sunday
10AM – 5PM