Balance Conversion Flexi Plan | Credit Cards

HSBC LK
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Balance conversion

Repay your credit card spending in easy, monthly instalments

For a nominal handling fee, the HSBC Flexi Instalment Plan lets you settle any large credit card purchase in full, and then pay back the amount owing in equal monthly instalments over 6, 12, 24 or 36 months.

Low interest rates
One-time handling fee
0% interest available for selected categories - Medical, Education, Airlines, Travel, Household, Jewellery till December 2025

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More about our Flexi Instalment Plan

Once you set up a flexi instalment plan for a transaction, you can repay it over a 6, 12, 24 or 36 month instalment period.

HSBC Rewards will be awarded for the total transaction value.

View all eligible transactions (PDF) Download link

1. Pay with your credit card

Buy goods or services as normal with your HSBC credit card.

2. Apply online

After your purchase, fill in the Flexi Instalment Plan application form online.

3. Check the details carefully

Make sure you enter the exact transaction value and date on the form.

4. Submit the form

When you're happy the details are correct, submit your form and we'll set up your plan.

Things to know

Who can apply?

You must be an existing HSBC credit cardholder
You must meet other eligibility criteria explained in the terms and conditions
You must be an active primary credit card holder with no overdue payments or overdrawn balances

This scheme is offered to HSBC credit cardholders, for their locally issued credit cards (excluding corporate credit cards)
A transaction can be converted to the Flexi Instalment Plan only within 30 days from the transaction purchase date
The minimum transaction value shall be LKR50,000 and the maximum transaction value shall be LKR600,000
The minimum payment due shall be:

100% of the monthly instalment amount for the Flexi Instalment Plan with fees will be added to the minimum payment for each month

The corresponding amount equivalent of the card Flexi Instalment Plan amount and the total handling fee shall be blocked from the credit card limit
The transaction will be payable during the tenor of the plan instalment period along with a nominal handling fee decided by the Bank
HSBC Rewards will be awarded for the total transaction value
If the cardholder wishes to settle the Flexi Instalment Plan before the due period, the cardholder should inform HSBC in writing of their intention to close the Flexi Instalment Plan on the card account. In the event of an early settlement, a 4% early settlement fee shall be applicable from the remaining Flexi Instalment Plan capital outstanding amount
Standard credit card terms and conditions shall apply
These terms and conditions shall be governed by the laws of Sri Lanka

What you'll need to apply

To apply for a Flexi Instalment Plan, you'll need to have these things to hand:

Correct credit card number
Exact transaction value
Exact date of the transaction

Apply for a Flexi Instalment Plan today

Once you've made an eligible purchase on your HSBC credit card, fill in the online application form to request a Flexi Instalment Plan for it.

Apply now

Card Instalment Plan

Making a big purchase on your credit card? Settle the debt, then pay it back in equal monthly instalments.

Credit cards

The world is your oyster with an HSBC credit card.

Flexi Instalment Plan