Co-branded / Affinity Cards

1. The personalised preferential monthly flat rate of 0.18% only applies to the cardholders who apply FTLife Premium Instalment by using FTLife Credit Card with a repayment period of 12 months. The monthly flat rate of 0.18% is equivalent to an annualised percentage rate (“APR”) of 4.04%, which is calculated according to the premium amount of HK$10,000 with a monthly flat rate of 0.18%, a repayment period of 12 months. The APR is calculated according to the standard method set out in the Code of Banking Practice, and is rounded up or down to the nearest 2 decimal places. Please note that the actual APR may differ. Terms and conditions of “Cash In Hand” Statement Instalment Programme apply. Please call our application hotline on 2211 1422 for details and application. (9 a.m. – 9 p.m. from Monday to Friday, 9 a.m. – 2 p.m. on Saturday (except public holidays)).