# HSBC Credit Card Loan **Original Url:** https://www.paisabazaar.ae/credit-cards/hsbc-credit-card-loan/ An HSBC credit card loan is a quick way to access instant cash when you need it most, all without any lengthy paperwork. Whether you need funds for urgent expenses, personal needs, or debt consolidation, HSBC offers a flexible loan option against your card’s limit. With simple repayment plans and fast approvals, you can stay worry-free in handling your finances. Funds are directly credited to your account, providing you with immediate access. ...read more ## Most Popular Credit Cards in UAE Free for 1st year ### Cash+ CashbackAirport Lounge AccessMovie DiscountsDining DiscountsTravel Insurance CoverageTravel DiscountsZomato Pro MembershipCareem+ Membership Minimum Salary:**30,000** Annual Fee:**1st Year Free\*** Enjoy automatic 1% daily cashback on all eligible spends. Get up to 50% off dining bills at over 4,000 restaurants across the UAE with your complimentary Zomato Gold membership. Welcome Bonus ### Emirates Skywards Infinite Credit Card Airport Lounge AccessMovie DiscountsDining DiscountsTravel Insurance CoverageTravel DiscountsSkywards MembershipZomato Pro MembershipCareem+ Membership Minimum Salary:**30,000** Annual Fee:**2,625** Get 50,000 Skywards Miles when you pay the joining fee of AED 2,999. Earn 75,000 bonus Skywards Miles on USD 25,000 spend in the first 3 billing cycles, plus 25,000 Miles on USD 3,500 Emirates (EK) spend within 12 months. Free for 1st year ### Live+ Credit Card CashbackWelcome BonusAirport Lounge AccessMovie DiscountsDining DiscountsTravel Insurance CoverageTravel DiscountsZomato Pro MembershipFuel CashbackSupermarket / Grocery CashbackCareem+ Membership Minimum Salary:**12,500** Annual Fee:**1st Year Free\*** Get up to AED 800 welcome cashback when you apply by 31 Dec 2026 .T&Cs apply. Earn 6% on Dining, 5% on fuel and 2% on groceries and entertainment - all upto AED 200 ## Type of HSBC Credit Card Loan Named as Cash Instalment Plan, the [HSBC credit card](https://www.paisabazaar.ae/credit-cards/hsbc-credit-cards/) loan helps you make a big purchase without hampering your daily expenses. You can easily use the cash, which is transferred to your bank account from your existing card’s limit. Later, you can use the money for instalment payments.  With no processing or early settlement fees, you can conveniently pay for your purchases over a flexible tenure ranging from 12 to 48 months. Apply without hassle and get competitive interest rates; The fixed Annual Percentage Rate is between 7.08% and 20.88% (on reducing balance)  Note that with this instalment payment plan, you need to borrow a minimum amount of AED 3,000. Furthermore, the bank analyses your financial history, which will determine your minimum monthly card payment.  You may confirm with your bank for any ongoing HSBC credit card loan offers before initiating your application.       ## How to Apply For an HSBC Credit Card Loan? Easily apply for the HSBC credit card loan through the bank’s mobile application — 1. Log in and choose the card from which you want to transfer cash  2. Select ‘Cash Instalment Plan’ and click ‘Get Started’ 3. Choose the repayment plan and amount 4. Hit ‘Confirm’ ## How to Repay a Loan on an HSBC Credit Card? You can pay off your card loan through online banking channels. To know the process in more detail, you can simply call the bank. ### FAQ's On HSBC Credit Card Loans ### Q1: What is the repayment tenure for an HSBC credit card loan in the UAE? **Ans:** With HSBC Bank, you get a tenure of 12-48 months to repay your credit card loan. ### Q2: How can I apply for the HSBC Cash Instalment Plan? **Ans:** You can apply for the cash loan service through HSBC’s mobile app. ### Q3: What is the minimum amount I can borrow in the HSBC Cash Instalment Plan? **Ans:** You must borrow at least AED 3,000 through this facility.