HSBC SmartPay

0% interest shopping made easy

With HSBC’s SmartPay, enjoy interest-free shopping and flexible repayment using your HSBC credit card. HSBC’s SmartPay is available via two convenient channels, making shopping easy and more enjoyable.

	*Via HSBC Call Centre*	*Via Participating Merchant*
Shopping Destination	Any local or overseas merchant	Any selected merchant in Brunei participating in the HSBC's SmartPay programme. A completed list of updated merchants can be found here
Easy Steps to take	Simply shop using your HSBC credit card Call 2 252 252 to convert your purchase to HSBC's SmartPay	Simply shop using your HSBC credit card. Inform the merchant that you are paying your purchase under HSBC's SmartPay
Minimum Purchase	BND500 for 6, 12 and 18 months tenor BND3,000 for 24 months tenor	BND500 for 6, 12 and 18 months tenor BND3,000 for 24 months tenor
Maximum Purchase	Available credit limit (Maximum BND5,000)	Available credit limit
0% Terms Available No. of Months	6, 12, 18, 24	6, 12, 18, 24
Service Fee	3% of transaction amount of BND50, whichever is higher	3% of transaction amount of BND30, whichever is higher

Note:

- BND150 will be charged if the cardholder cancels the Instalment Plan and/or Card Account prior to the full and final settlement of the Instalment Purchase Price. This fee is in addition to the cardholder making full and final settlement of the Instalment Purchase Price.

- 0% interest applies to the Instalment Plan however, the existing rate of 2% per month or the minimum of BND2.50 applies on the outstanding balance and the roll over instalment amount.

Not an HSBC Credit Cardholder yet?

Apply today and enjoy shopping the smart and easy way!