Discover the top choices for the best 0% interest credit cards in Singapore, providing you with the convenience of interest-free periods on purchases and balance transfers. Offering 0% instalment plans for selected tenures, these cards provide you with the flexibility to split your significant purchases into manageable monthly payments without incurring any interest charges.
Whether you're looking to purchase electronics, furniture, or other big-ticket items, these 0% instalment plans provide a smart and interest-free way to ease your expenses over a defined period without straining your cash flow.
Sony PlayStation® 5 Slim Disc Edition (worth S$799)
Valid until
12 May 2024
SingSaver Lightning Deal
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)
Valid until
12 May 2024
SingSaver Lightning Deal
S$500 eCapitaVoucher
Valid until
12 May 2024
Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Valid until
12 May 2024
Best Deal Guarantee
The Morning Machine + 20 Capsules Bundle (worth S$684)
Valid until
12 May 2024
Best Deal Guarantee
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)
Valid until
12 May 2024
Best Deal Guarantee
Up to S$420
Valid until
12 May 2024
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Things to consider for this product:
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No rebate cap
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No monthly spend required
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Annual Fee waiver
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Installment
1.5% cashback for all spend, no minimum spend and no cashback cap.
Enjoy offers and privileges for online, dining, retail and more with The Good Life®.
2 year annual fee waiver.
Read our full review of the Standard Chartered SimplyCash Credit Card.
Cannot be used for EZ-Reload.
SingSaver Lightning Deal
Gift Options
Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher
Promotion is valid for new Standard Chartered credit cardmembers only
Be one of the first 500 eligible applicants of the Standard Chartered Simply Cash Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
Lightning Deal reward is not stackable with other promotions from SingSaver
Remaining applicants will receive regular SingSaver promotional reward
Lightning Deal promotion runs from 25 April 2024, 9:00 AM SGT to 12 May 2024
The Morning Machine + 20 Capsules Bundle (worth S$684); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Up to S$420
Promotion is valid for new Standard Chartered credit card members
Apply for the Standard Chartered Simply Cash Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for rewards
Receive an additional S$70 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval
Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Valid until
14 May 2024
Best Deal Guarantee
S$250 eCapitaVoucher
Valid until
14 May 2024
Best Deal Guarantee
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Valid until
14 May 2024
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Things to consider for this product:
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Mobile contactless rebate
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Online shopping rebate
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Travel rebate
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No Annual Fee
10X reward points (equivalent to 4 air miles or 2.5% cashback) on online purchases and contactless payments (subject to underlying whitelist Merchant Category Codes).
1X reward point for all other spending.
No minimum spend required.
No annual fee.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Eligible categories: Online & contactless payment (e.g. Visa PayWave, Google Pay, Apple Pay) for travel; shopping; groceries; dining; food delivery; ride-hailing apps.
Up to 16% and 14% off petrol at Caltex and Shell respectively.
Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.
Compatible with Apple Pay, Google Pay, and Visa PayWave.
Can convert between cashback, miles, or reward points flexibly.
Great for homemakers, working adults, miles chaser, enjoy flexibility between rebate types (cashback/miles/points), prefer fuss-free spending without min. spend.
Read our full review of the HSBC Revolution Credit Card.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
Cap of 9,000 bonus reward points per calendar month on eligible purchases.
1X reward point earned on public transport (via SimplyGo) only.
HSBC reward points expire after 37 months (unlike Citi Rewards’ ThankYou Points of 60 months).
Best Deal Guarantee
Gift Options
Dyson AM07 Tower Fan (worth S$459); or
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
S$250 eCapitaVoucher
Promotion is valid for new HSBC credit cardmembers only
Apply for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Promotion is valid for new HSBC credit cardmembers only
Apply for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
Complimentary personal concierge service will be provided to guide through the booking process
For 6 and 12-months tenures. S$1,000 for 24-month tenures.
Installment Tenure
Up to 24 months
Installment Rate
0 %
Offer Available
Best Deal Guarantee
S$280 cash via PayNow
Valid until
02 May 2024
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Things to consider for this product:
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Online shopping rebate
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Supermarket rebate
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Annual Fee waiver
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Rebate cap applied
10% cashback on online shopping, groceries, beauty/wellness, pet shops/veterinary services and cruises.
Unlimited 0.2% cashback on all other spend.
Complimentary travel insurance of up to S$500,000 when you charge your travel fares to this card.
No annual fees for life + up to 4 supplementary cards with no annual fees.
Minimum spending of S$800 in the statement month to qualify for 10% cashback.
10% cashback is capped at S$100 per statement month per principal cardmember and up to S$20 per category. Earn 0.2% cashback on all spend when you exceed the cashback cap.
Best Deal Guarantee
Gift Options
S$280 cash via PayNow
Promotion is valid for new CIMB credit cardmembers only
Apply for select CIMB credit cards and make a min. spend of S$988 within 60 days from card approval date to be eligible for reward
Sony PlayStation® 5 Slim Disc Edition (worth S$799)
Valid until
02 May 2024
SingSaver Lightning Deal
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)
Valid until
02 May 2024
SingSaver Lightning Deal
S$500 eCapitaVoucher
Valid until
02 May 2024
Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Valid until
02 May 2024
Best Deal Guarantee
Apple iPad 10th Gen WiFi 64GB (worth S$691.60)
Valid until
02 May 2024
Best Deal Guarantee
S$400 eCapitaVoucher
Valid until
02 May 2024
Best Deal Guarantee
S$300 cash via PayNow
Valid until
02 May 2024
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Things to consider for this product:
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No expiry air miles
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Airport lounge
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Travel rebate
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Gift: Apple product
1.2 miles per S$1 spent locally.
2 miles per S$1 spent in foreign currency.
Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card.
11 different airline and hotel transfer partners.
Complimentary travel insurance with solid coverage.
Generous sign-up bonus with relatively low minimum spend.
Read our full review of the Citi PremierMiles Card.
Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
Service fee applies to Citi PayAll facility.
SingSaver Lightning Deal
Gift Options
Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher
Promotion is valid for new Citibank credit card members only
Be one of the first 500 eligible applicants of participating Citibank credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
Lightning Deal reward is not stackable with other promotional rewards from SingSaver
Remaining applicants will receive regular SingSaver promotional rewards
Lightning Deal promotion runs from 9 April 2024, 9:00 AM SGT to 2 May 2024
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)
Valid until
12 May 2024
Best Deal Guarantee
Nintendo Switch (Generation 2) (worth S$399)
Valid until
12 May 2024
Best Deal Guarantee
Apple AirPods Pro 2nd Gen (worth S$365.70)
Valid until
12 May 2024
Best Deal Guarantee
Up to S$340
Valid until
12 May 2024
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Things to consider for this product:
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Bonus air miles
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Public transportation
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Installment
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No Annual Fee
No cash advance fee.
No annual fee.
Enjoy 6% cashback in the form of reward points on selected merchants with no min. spend required.
Enjoy 0.5% cashback in the form of reward points for all base spends with no monthly cashback cap.
Enjoy 0% interest rates with 3-month EasyPay instalment tenure with no processing fee.
Cashback capped at 14,400 reward points, approximately S$45, on selected merchants.
Best Deal Guarantee
Gift Options
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Nintendo Switch (Generation 2) (worth S$399); or
Apple AirPods Pro 2nd Gen (worth S$365.70) ; or
Up to S$340
Promotion is valid for new Standard Chartered credit card members only
Apply for the SCB Smart Card or SCB Rewards+ Credit Card and make a min. spend of S$250 within 30 days of card approval to be eligible for rewards
Receive an additional S$20 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval
Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Valid until
14 May 2024
Best Deal Guarantee
S$250 eCapitaVoucher
Valid until
14 May 2024
Best Deal Guarantee
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Valid until
14 May 2024
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Things to consider for this product:
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Unlimited air miles
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Airport lounge
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Travel insurance
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Bonus air miles
Instant reward redemption with an extensive selection of airline and hotel partners via HSBC Singapore mobile app.
Accelerated earn rate: up to 2.4 miles for your spending.
No conversion fee for air miles or hotel points until 31 May 2024.
Complimentary travel insurance coverage (including COVID-19) and 4x complimentary airport lounge visits for main cardholders only, and more.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Split your purchases across a range of flexible tenures with HSBC Instalment Plans.
Best Deal Guarantee
Gift Options
Dyson AM07 Tower Fan (worth S$459); or
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
S$250 eCapitaVoucher
Promotion is valid for new HSBC credit cardmembers only
Apply for the HSBC TravelOne Credit Card, provide your marketing consent to HSBC, pay the annual fee (S$196.20 incl. GST), and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Promotion is valid for new HSBC credit cardmembers only
Apply for the HSBC TravelOne Credit Card, provide your marketing consent to HSBC, pay the annual fee (S$196.20 incl. GST), and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
Complimentary personal concierge service will be provided to guide through the booking process
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Up to 14% discount at Esso and Shell petrol stations.
Cash rebates can be redeemed only in denominations of S$10, S$20 or S$50 via SMS.
SingSaver Lightning Deal
Gift Options
Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher
Promotion is valid for new Citibank credit card members only
Be one of the first 500 eligible applicants of participating Citibank credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
Lightning Deal reward is not stackable with other promotional rewards from SingSaver
Remaining applicants will receive regular SingSaver promotional rewards
Lightning Deal promotion runs from 9 April 2024, 9:00 AM SGT to 2 May 2024
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Valid until
12 May 2024
Best Deal Guarantee
Up to S$160
Valid until
12 May 2024
Welcome Offer
Up to 45,000 miles
Valid until
30 June 2024
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Things to consider for this product:
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Bonus air miles
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No expiry air miles
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Airport lounge
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Travel insurance
Earn 3 miles for every S$1 spent on online transactions from transportation, grocery +and food delivery merchants.
Earn 2 miles for every S$1 on foreign currency transactions.
Earn 1.2 miles for every S$1 spent locally.
S$0 foreign transaction fee for overseas spend made and posted in June-July, November-December 2023.
S$10 off Grab rides to or from Changi Airport.
2 complimentary visits to Priority Pass lounges around the world each year.
Get peace of mind when you travel with complimentary travel insurance coverage of up +to S$500,000.
Rewards points do not expire.
Flexible redemption – enjoy your choice of air miles, cash rewards or travel vouchers on the SCB Rewards 360 platform.
Enjoy exciting card offers and privileges on Standard Chartered The Good Life programme.
Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.
Best Deal Guarantee
Gift Options
Dyson AM07 Tower Fan (worth S$459); or
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
Up to S$160
Promotion is valid for new Standard Chartered credit card members only
Activate your Standard Chartered Journey Credit Card within 30 days of card approval to be eligible for rewards
Receive an additional S$20 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval
Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval
Promotion is stackable with welcome offers from Standard Chartered:
Receive 25,000 miles when you apply with annual fee waiver and make a min. spend of S$3,000 within 2 months of card approval.
Receive up to 45,000 miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 2 months of card approval. Click here to apply.
Promotion is valid for new Standard Chartered credit cardmembers only
Apply and get approved for the Standard Chartered Journey Credit card to be eligible for rewards
Receive 25,000 miles when you apply with annual fee waiver and make a min. spend of S$3,000 within 2 months of card approval.
Receive up to 45,000 miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 2 months of card approval. Click here to apply.
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Valid until
14 May 2024
Best Deal Guarantee
S$250 eCapitaVoucher
Valid until
14 May 2024
Best Deal Guarantee
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Valid until
14 May 2024
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Things to consider for this product:
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No monthly spend required
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Travel insurance
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Annual Fee waiver
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Rebate cap applied
Earn up to 2.5% Base Cashback (1.5% with no minimum spend OR 2.5% when you spend above S$2,000) on your local and overseas purchases each calendar month.
Get additional 1% cashback on your credit card spending with HSBC Everyday+ Rewards Programme.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Read our full review of the HSBC Advance Credit Card.
Cashback is capped at S$70 per calendar month.
Best Deal Guarantee
Gift Options
Dyson AM07 Tower Fan (worth S$459); or
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
S$250 eCapitaVoucher
Promotion is valid for new HSBC credit cardmembers only
Apply for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Promotion is valid for new HSBC credit cardmembers only
Apply for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
Complimentary personal concierge service will be provided to guide through the booking process
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)
Valid until
12 May 2024
Best Deal Guarantee
Nintendo Switch (Generation 2) (worth S$399)
Valid until
12 May 2024
Best Deal Guarantee
Apple AirPods Pro 2nd Gen (worth S$365.70)
Valid until
12 May 2024
Best Deal Guarantee
Up to S$340
Valid until
12 May 2024
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Things to consider for this product:
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Overseas rebate
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No monthly spend required
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Travel insurance
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Rebate cap applied
Up to 10X reward points for every S$1 spent in foreign currency on overseas retail, dining and travel transactions.
Up to 5X reward points for every S$1 spent on dining transactions.
1 reward point for every S$1 spent on all eligible spend.
No min. spend required, 1 year annual fee waiver.
Complimentary travel insurance coverage of up to S$500,000 when you charge your full travel fare to the card.
Read our full review of the Standard Chartered Rewards+ Credit Card.
Additional reward points are capped at 20,000 points per year.
Purchases from local hotel restaurants and supermarkets are not considered as qualifying dining transactions.
Best Deal Guarantee
Gift Options
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Nintendo Switch (Generation 2) (worth S$399); or
Apple AirPods Pro 2nd Gen (worth S$365.70) ; or
Up to S$340
Promotion is valid for new Standard Chartered credit card members only
Apply for the SCB Smart Card or SCB Rewards+ Credit Card and make a min. spend of S$250 within 30 days of card approval to be eligible for rewards
Receive an additional S$20 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval
Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval
Rewards are rounded up to the nearest 10 points on all purchases.
Sign Up Bonus of 40,000 Citi ThankYou Points.
Read our full review of the Citi Rewards Card.
10X rewards are capped at 10,000 points per statement month i.e. S$1,000 spent.
10X rewards excludes travel purchases online and non-fashion purchases offline.
SingSaver Lightning Deal
Gift Options
Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher
Promotion is valid for new Citibank credit card members only
Be one of the first 500 eligible applicants of participating Citibank credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
Lightning Deal reward is not stackable with other promotional rewards from SingSaver
Remaining applicants will receive regular SingSaver promotional rewards
Lightning Deal promotion runs from 9 April 2024, 9:00 AM SGT to 2 May 2024
Up to 6% depending on tenure From now till 30 September 2023, enjoy S$0 processing fee when you apply for an instalment period of 3 months.
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 24 months
Installment Rate
0 %
Things to consider for this product:
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Overseas/Foreign spend
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Air tickets
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Dining
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Rebate cap applied
Earn 2.8 air miles (7X TREATS Points) per S$1 spent on air tickets and in foreign currencies.
Earn 1.2 air miles (3X TREATS Points) per S$1 spent on all local shopping, groceries, dining, hotel bookings and more
Continue to earn TREATS Points (TP) on your insurance, private hospitals, utilities and education spend.
Fuel savings of 20.05% + 3X TREATS Points at Caltex stations with Diamond Sky Fuel card
Travel in comfort with complimentary access to selected VIP lounges
Air miles are only applicable if redemption is made on TREATS SG app
TREATS Points awarded calculated based on blocks of S$5.
TREATS Points expire after one year.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
UOB One Card
Installment Processing Fee
From 3 %
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Up to 5% depending on tenure.
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24 months
Installment Rate
0 %
Offer Available
Welcome Offer
S$350 cash credit
Valid until
30 April 2024
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Things to consider for this product:
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Supermarket rebate
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Grab/taxi rebate
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Monthly spend required
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Rebate cap applied
Up to 10% cashback (up to 15% for new UOB credit cardmembers) on online shopping, groceries, health and beauty, convenience stores, transport, food delivery, utilities and more.
Up to 4.33% cashback on Singapore Power utilities bill.
Up to 3.33% cashback on all retail spend.
Petrol savings of up to 22.66% at Shell and SPC.
Greater savings with up to 7.8% p.a. interest with UOB One Account+.
Min. spend of S$500 / S$1,000 / S$2,000 per month (min. 5 purchases) for 3 consecutive months to earnadditional up to 5% cashback.
Awarding of cash rebate only comes every quarter.
Qualifying monthly spend for cash rebate has to be spread out across min. 5 different purchases.
Welcome Offer
Gift Options
S$350 cash credit
Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
Make a min. spend of S$1,000 per month for 2 consecutive months from card approval date to be eligible for rewards
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Installment Processing Fee
No processing Fee
Minimum Spend for Installment
S$ 250
info
May differ with each participating merchant.
Installment Tenure
Up to 24 months
Installment Rate
0 %
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At participating Pay Small Merchants.
2 Offers Available
Welcome Offer
Receive up to 17,000 KrisFlyer miles and up to S$300 eCapitaVouchers
Valid until
30 April 2024
Welcome Offer
Up to 34,000 KrisFlyer miles
Valid until
30 April 2024
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Things to consider for this product:
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Unlimited air miles
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Airport lounge
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Travel insurance
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Annual Fee required
1.2 KrisFlyer miles for every S$1 spent on all eligible purchases.
2 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases during June and December.
3.2 KrisFlyer miles for every S$1 spent on Grab Singapore transactions, up to S$200 spent each calendar month.
4 complimentary lounge passes each year.
Complimentary one night stay each year at participating Hilton Properties and complimentary upgrade to Hilton Honors Silver membership tier.
2 KrisFlyer miles per S$1 spent on singaporeair.com, SingaporeAir mobile app, silkair.com and KrisShop, with no cap.
Read our full review of the American Express Singapore Airlines KrisFlyer Ascend Credit Card.
Annual fee: S$343.35 (inclusive of GST) must be paid to enjoy welcome offers.
Welcome Offer
Gift Options
Receive up to 17,000 KrisFlyer miles and up to S$300 eCapitaVouchers
Promotion is valid for new American Express cardmembers only
Apply for the American Express Singapore Airlines KrisFlyer Ascend Credit Card, make a min. spend of S$1,000 within 30 days of card approval, and pay the annual fee (S$343.35 incl. GST) to be eligible for rewards
Receive S$300 eCapitaVouchers and 10,800 KrisFlyer miles upon fulfilling reward criteria
Receive 5,000 bonus KrisFlyer miles upon first transaction on card (for first time American Express Singapore Airlines credit card applicants)
Receive 1,200 KrisFlyer miles based on the S$1,000 spent (based on 1.2 KrisFlyer miles per S$1 spent locally)
Promotion is not stackable with other offers from American Express
Promotion is valid for existing American Express credit cardmembers
Apply for the American Express Singapore Airlines KrisFlyer Ascend Credit Card, make a min. spend of S$1,000 within 30 days of card approval, and pay the annual fee (S$343.35 incl. GST) to be eligible for rewards
Receive 27,800 KrisFlyer miles upon fulfilling reward criteria
Receive 5,000 KrisFlyer miles upon first transaction on card (for first time American Express Singapore Airlines Credit Card applicants)
Receive 1,200 KrisFlyer miles based on the S$1,000 spent (based on 1.2 KrisFlyer miles per S$1 spent locally)
Promotion is not stackable with other offers from American Express
Complimentary one-night stay at The Ritz Carlton, Millenia Singapore (worth S$590)
Valid until
30 April 2024
Welcome Offer
135,000 Membership Rewards® points (Upsized for Existing Cardmembers)
Valid until
30 April 2024
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Things to consider for this product:
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Bonus air miles
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Dining savings
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Airport lounge
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Annual Fee required
Up to S$1,354 worth of travel, dining, and lifestyle credits inclusive of S$200 airline credits, S$400 global dining credits, S$400 lifestyle credits, S$204 entertainment credits, and S$150 fashion credits.
Indulge In Fine Hotels + Resorts Benefits Worth S$800.
Complimentary access for you, a supplementary cardholder and one guest each to 1,400 Lounges such as The Centurion Lounge, Priority Pass, International American Express Lounges.
Gain instant status to higher tiers of leading hotel loyalty programs such as the Marriott Bonvoy™ Gold Elite Status and Hilton Honors Gold Status.
Complimentary Access into Tower Club.
Complimentary Weekend Parking at Great World City.
Membership Rewards Points never expire.
Up to 50% savings at selected hotels such as Marriott, St. Regis, and W Singapore among others.
Up to 50% savings with Love Dining at selected restaurants such as Lawry’s, Sen of Japan, and Peach Garden among others.
Enjoy S$400 every year to use at over 1,400 curated restaurants locally and around the world.
Annual fee: S$1,744 (inclusive of GST).
Welcome Offer
Gift Options
Complimentary one-night stay at The Ritz Carlton, Millenia Singapore (worth S$590)
Promotion is valid for new American Express credit cardmembers only
Apply for the AMEX Platinum Card through SingSaver, make a min. spend of S$6,000 within 60 days of card approval date, and pay the annual fee (S$1,744 incl. GST) to be eligible for reward
Reward may be combined with AMEX Platinum Card 135,000 Membership Rewards® points promotion
135,000 Membership Rewards® points (Upsized for Existing Cardmembers)
Promotion is valid for new and existing American Express credit cardmembers
Apply for the AMEX Platinum Card through SingSaver, make a min. spend of S$6,000 within 60 days of card approval date, and pay the annual fee (S$1,744 incl. GST) to be eligible for reward
Receive 127,500 Membership Rewards® points upon fulfillment of reward criteria
Receive 7,500 Membership Rewards® points based on the S$6,000 spent (based on 2 Membership Rewards® points per S$1.60 spent)
Promotion is not stackable with other offers from American Express
Up to S$400 eCapitaVoucher + 1,250 Membership Rewards® Points
Valid until
30 April 2024
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Things to consider for this product:
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Unlimited air miles
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Dining savings
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Annual Fee required
Enjoy up to S$200 statement credits that can be used at trending restaurants or fashion brands.
Enjoy up to 50% savings at a curated selection of hotels and restaurants island-wide with Love Dining by Platinum.
Enjoy 1-for-1 first drink and complimentary drinks at some of the most bespoke bars in Singapore with Chillax by Platinum.
Earn 2 Membership Rewards® Points for every S$1.60 spent.
Earn 10 Membership Rewards® Points for every full S$1.60 spent with 10Xcelerator Partners.
Membership Rewards® Points never expire.
Permanent waiver of miles transfer fee (worth S$40).
Annual fee: S$327 (inclusive of GST) must be paid to enjoy welcome offers.
Welcome Offer
Gift Options
Get up to 60,000 Membership Rewards® points
Promotion is valid for existing American Express credit cardmembers
Apply for the AMEX Platinum Credit Card, pay the annual fee (S$327 incl. GST) and make a min. spend of S$1,000 within 30 days of card approval to be eligible for reward
Receive 58,750 Membership Rewards® points from fulfillment of reward criteria
Receive 1,250 Membership Rewards® points based on the S$1,000 spent (based on 2 Membership Rewards® points per S$1.60 spent)
Promotion is not stackable with other offers from American Express
Up to S$400 eCapitaVoucher + 1,250 Membership Rewards® Points
Promotion is valid for new American Express credit cardmembers only
Apply for the AMEX Platinum Credit Card, pay the annual fee (S$327 incl. GST) and make a min. spend of S$1,000 within 30 days of card approval to be eligible for rewards
Receive S$400 eCapitaVoucher from fulfillment of reward criteria
Receive 1,250 Membership Rewards® points based on the S$1,000 spent (based on 2 Membership Rewards® points per S$1.60 spent)
50,000 miles upon SMS registration and fulfilling spend requirement
Valid until
30 April 2024
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Things to consider for this product:
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Bonus air miles
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Unlimited air miles
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Travel insurance
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No monthly spend required
Earn 8% cashback on dining, etc.
6 miles per S$1 spend (UNI$15 per S$5 spend) on major airlines and hotels through Expedia, agoda and UOB Travel.
1.4 miles per S$1 on local spend (UNI$3.5 per S$5 spend).
2.4 miles per S$1 on overseas spend (UNI$6 per S$5 spend), including online shopping and overseas websites.
Choice to redeem for miles, cashback, or vouchers.
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Get 20,000 loyalty miles with a minimum spend of S$50,000 in a year.
Complimentary airport transfers to Changi Airport.
1.4 mpd on SimplyGo and public transport rides for UOB PRVI Mastercard and Visa only.
No airport lounge access.
2 year points expiry.
Welcome Offer
Gift Options
30,000 miles plus first-year annual fee waiver
Promotion is valid for new-to-UOB credit card members only
To receive 25,200 miles, be the first 50 new-to-UOB credit card members who apply with first-year annual fee waiver and spend at least S$1,000 per month for 2 consecutive months from card approval date.
To receive an additional 4,800 miles (for up to 30,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
50,000 miles upon SMS registration and fulfilling spend requirement
Promotion is valid for new-to-UOB credit card members only
To receive 45,200 miles, spend at least S$1,000 per month for 2 consecutive months, pay the 1st year annual fee (S$261.60 incl. GST) and complete SMS registration by 31 May 2024
SMS PMAF <space> last 4 alphanumeric characters of NRIC/passport registered with UOB to 77862
To receive an additional 4,800 miles (for up to 50,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
50,000 miles upon SMS registration and fulfilling spend requirement
Valid until
30 April 2024
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Things to consider for this product:
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Bonus air miles
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Unlimited air miles
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Travel insurance
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No monthly spend required
Earn 6 miles per S$1 spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda.
2.4 miles for every S$1 spent overseas, 1.4 miles for every S$1 spent locally.
Earn miles when you pay your monthly bills, rent, taxes and even a one-off large purchase with your UOB PRVI Miles Card via UOB PRVI Miles Payment Facility.
No minimum spend and cap on miles earned at all times.
Complimentary travel insurance of up to S$500,000.
Earn up to 6 bonus KrisFlyer miles for every S$1 spent if you also apply for a new KrisFlyer UOB Account.
20,000 loyalty miles reward for min. annual spend of S$50,000 is only available for the AMEX card.
Annual fee of S$259.20
Welcome Offer
Gift Options
30,000 miles plus first-year annual fee waiver
Promotion is valid for new-to-UOB credit card members only
To receive 25,200 miles, be the first 50 new-to-UOB credit card members who apply with first-year annual fee waiver and spend at least S$1,000 per month for 2 consecutive months from card approval date.
To receive an additional 4,800 miles (for up to 30,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
50,000 miles upon SMS registration and fulfilling spend requirement
Promotion is valid for new-to-UOB credit card members only
To receive 45,200 miles, spend at least S$1,000 per month for 2 consecutive months, pay the 1st year annual fee (S$261.60 incl. GST) and complete SMS registration by 31 May 2024
SMS PMAF <space> last 4 alphanumeric characters of NRIC/passport registered with UOB to 77862
To receive an additional 4,800 miles (for up to 50,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
50,000 miles upon SMS registration and fulfilling spend requirement
Valid until
30 April 2024
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Things to consider for this product:
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Bonus air miles
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Unlimited air miles
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Travel insurance
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No monthly spend required
Earn 6 miles per S$1 spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda.
2.4 miles for every S$1 spent overseas, 1.4 miles for every S$1 spent locally.
No minimum spend and cap on miles earned at all times.
Complimentary travel insurance of up to S$500,000.
Earn up to 6 bonus KrisFlyer miles for every S$1 spent if you also apply for a new KrisFlyer UOB Account.
Read our full review of the UOB PRVI Miles Credit Card.
20,000 loyalty miles reward for min. annual spend of S$50,000 is only available for the AMEX card.
Annual fee of S$259.20.
Welcome Offer
Gift Options
30,000 miles plus first-year annual fee waiver
Promotion is valid for new-to-UOB credit card members only
To receive 25,200 miles, be the first 50 new-to-UOB credit card members who apply with first-year annual fee waiver and spend at least S$1,000 per month for 2 consecutive months from card approval date.
To receive an additional 4,800 miles (for up to 30,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
50,000 miles upon SMS registration and fulfilling spend requirement
Promotion is valid for new-to-UOB credit card members only
To receive 45,200 miles, spend at least S$1,000 per month for 2 consecutive months, pay the 1st year annual fee (S$261.60 incl. GST) and complete SMS registration by 31 May 2024
SMS PMAF <space> last 4 alphanumeric characters of NRIC/passport registered with UOB to 77862
To receive an additional 4,800 miles (for up to 50,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
Maybank Manchester United Platinum Visa Credit Card
Installment Processing Fee
From 0 %
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Up to 6% depending on tenure From now till 30 September 2023, enjoy S$0 processing fee when you apply for an instalment period of 3 months.
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 24 months
Installment Rate
0 %
Things to consider for this product:
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Local spending rebate
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No monthly spend required
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No rebate cap
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Travel insurance
Earn 1% unlimited cashback and 1X TREATS Points (0.4 miles per dollar) on all transactions.
Earn up to 3% cashback (capped at S$20) and 5X TREATS Points (2 miles per dollar) when Manchester United Wins a Premier League match.
No minimum spend and no cashback cap.
Stand a chance to win a trip for 2 to watch Manchester United live every football season.
Complimentary travle insurance coverage of up to S$300,000.
TREATS Points awarded calculated based on blocks of S$5.
TREATS Points expire after one year.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
Maybank FC Barcelona Visa Signature Card
Installment Processing Fee
From 0 %
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Up to 6% depending on tenure From now till 30 September 2023, enjoy S$0 processing fee when you apply for an instalment period of 3 months.
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 24 months
Installment Rate
0 %
Things to consider for this product:
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Annual Fee waiver
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No monthly spend required
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No rebate cap
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Overseas rebate
Get 1.6% unlimited cashback on all your local spend.
No minimum spend and no cashback cap.
Earn 2X TREATS Points for every S$5 spent on foreign currency transactions.
Stand a chance to win a trip for 2 to watch FC Barcelona live every football season.
Complimentary travel insurance coverage of up to S$300,000.
Overseas spend only earns you 0.8 miles per S$10 (or 0.8% cashback).
2X TREATS Points for every S$1 spent on foreign currency.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
Maybank World MasterCard
Installment Processing Fee
From 0 %
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Up to 6% depending on tenure From now till 30 September 2023, enjoy S$0 processing fee when you apply for an instalment period of 3 months.
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 24 months
Installment Rate
0 %
Things to consider for this product:
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Dining rebate
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Retail rebate
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Petrol rebate
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Airport lounge
Earn 10X TREATS Points (4 miles) per S$1 spent at specially selected retail stores, restaurants, and all petrol stations islandwide+.
Get up to 20.05% savings on petrol.
Complimentary green fees at world-class golf fairways.
Complimentary enrolment into Rewards Infinite Programme: TREATS Points never expire.
Free air miles conversion
Complimentary Plaza Premium airport lounge access with a minimum charge of S$1,000 in a single retail transaction.
Complimentary travel insurance coverage of up to S$1,000,000 when air tickets/travel packages are charged in full to the card.
TREATS Points awarded calculated based on blocks of S$5.
Annual income requirement: S$80,000.
Annual fee: S$240 (waived for first year only)
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 80000
Maybank Platinum Visa Card
Installment Processing Fee
From 0 %
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Up to 6% depending on tenure From now till 30 September 2023, enjoy S$0 processing fee when you apply for an instalment period of 3 months.
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 24 months
Installment Rate
0 %
Things to consider for this product:
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Local spending rebate
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Overseas rebate
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Annual Fee waiver
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Rebate cap applied
Get up to 3.33% cash rebate on all your local and foreign currency spend.
Earn up to 3% p.a. with the Maybank Save Up Programme, with spends on this credit card being one of the categories.
Complimentary travel insurance coverage of up to S$500,000.
Quarterly service fee of S$20 (First 3 Years Free). Subsequently, quarterly service fee is waived when you charge to your Card once every 3 months.
No quarterly cashback if minimum monthly spend is below S$300 each month in a quarter.
Cashback cap: S$100 per quarter.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
Maybank DUO Platinum MasterCard
Installment Processing Fee
From 0 %
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Up to 6% depending on tenure From now till 30 September 2023, enjoy S$0 processing fee when you apply for an instalment period of 3 months.
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 24 months
Installment Rate
0 %
Things to consider for this product:
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Petrol rebate
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Overseas rebate
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Travel insurance
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Annual Fee waiver
5% cashback on petrol in Singapore and Malaysia.
1.5% cashback in foreign currency.
5 TREATS Points per $5 spent in local currency.
Complimentary Supplementary Cards for your loved ones.
Complimentary travel insurance coverage of up to S$500,000.
TREATS Points awarded calculated based on blocks of S$5.
Min. spend of S$300 each calendar month to qualify for bonus TREATS Points, capped at 30,000 bonus TREATS.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
DBS yuu Visa Card
Installment Processing Fee
From 2 %
info
Up to 6% depending on tenure.
Minimum Spend For Installment
S$ 100
info
Maximum combined of 10 transactions only.
Installment Tenure
Up to 24 months
Installment Rate
0 %
Offer Available
Welcome Offer
S$388 cashback
Valid until
31 May 2024
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Things to consider for this product:
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Supermarket rebate
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Dining rebate
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Rebate cap applied
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Monthly spend required
Up to 36X Points on yuu participating merchants.
1X Point on all other spend.
S$1 spend = 1 yuu Point. No limit. No cap.
Customers need to download the new rewards app as yuu Points awarded can only be tracked on yuu Rewards app.
Redemptions of yuu Points capped at 15,600 points (S$78) per calendar month.
Welcome Offer
Gift Options
S$388 cashback
Promotion is valid for new DBS/POSB credit cardmembers only
Apply for participating DBS/POSB credit cards with promo code 388CASH and make a min. spend of S$800 within 60 days of card approval to be eligible for reward
Customers need to download the new rewards app as yuu Points awarded can only be tracked on yuu Rewards app.
Redemptions of yuu Points capped at 15,600 points (S$78) per calendar month.
Welcome Offer
Gift Options
S$388 cashback
Promotion is valid for new DBS/POSB credit cardmembers only
Apply for participating DBS/POSB credit cards with promo code 388CASH and make a min. spend of S$800 within 60 days of card approval to be eligible for reward
1.5 miles or 1.5% cashback per S$1 spent locally, such as groceries, shopping and more.
2.2 miles or 2.2% cashback per S$1 spent on overseas purchases in foreign currency.
Receive 25,000 bonus miles when you pay the annual fee of S$550 (exclusive of GST) to renew your membership.
Complimentary Accor Plus Explorer membership with 1 free hotel night stay at Sofitel, Fairmont, Swissotel and over 1000 hotels worldwide.
Complimentary Digital Priority Pass™ Membership and 10 free lounge visits to over 1,300 airport lounges worldwide within each 12-month period of membership.
Members-only dining privileges at over 80 of Singapore’s fine dining establishments, including Michelin-awarded restaurants.
Annual fee of S$588.50 (inclusive of GST) is non-waivable for the first year.
Miles are awarded in the form of DBS Points which are awarded for every S$5 spent.
Each conversion of DBS Points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Welcome Offer
Gift Options
Up to 85,000 miles
Promotion is valid for new and existing DBS credit cardmembers
Apply for the DBS Vantage Card and make a min. spend of S$4,000 within 30 days of card approval to be eligible for reward
New DBS cardmembers will receive 85,000 miles
Existing DBS cardmembers will receive 40,000 miles
Up to 43,000 miles plus first-year annual fee waiver
Valid until
31 May 2024
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Things to consider for this product:
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Bonus air miles
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Airport lounge
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No expiry air miles
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Unlimited air miles
1.3 miles per S$1 spent locally, including bus and train rides.
2.2 miles per S$1 spent on overseas purchases in foreign currency.
Earn up to 10 miles per S$1 spent on Expedia, and Kaligo.
Receive 10,000 bonus miles when you pay the annual fee of S$196.20
2 free lounge visits within each 12-month period of your membership to over 1,500 airport lounges worldwide.
Read our full review of the DBS Altitude Card.
Miles are awarded in the form of DBS points which are awarded for every S$5 spent.
Additional DBS points awarded for Expedia and Kaligo transactions are capped at S$5,000 spend per calendar month.
Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Welcome Offer
Gift Options
Up to 53,000 miles
Promotion is valid for new DBS credit cardmembers only
Apply for the DBS Altitude Visa Signature Card with promo code ALTV53, make a min. spend of S$3,000 within 60 days of card approval, and pay the first-year annual fee (S$196.20 incl. GST) to be eligible for rewards
Receive 36,400 miles from S$3,000 min. spend within 60 days of card approval
Receive 10,000 miles from payment of first-year annual fee (S$196.20 incl. GST)
Receive up to 6,600 miles from S$3,000 spend (based on 2.2 miles per S$1 overseas spend)
Up to 43,000 miles plus first-year annual fee waiver
Promotion is valid for new DBS credit cardmembers only
Apply for the DBS Altitude Visa Signature Card with promo code ALTVW43 and make a min. spend of S$3,000 within 60 days of card approval to be eligible for rewards
Receive 43,400/36,400 miles from S$3,000 min. spend within 60 days of card approval
Receive up to 6,600 miles from S$3,000 spend (based on 2.2 miles per S$1 overseas spend)
Up to 50,000 miles plus first-year annual fee waiver
Valid until
31 May 2024
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Things to consider for this product:
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Bonus air miles
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Airport lounge
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No expiry air miles
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Unlimited air miles
1.3 miles per S$1 spent locally, including bus and train rides.
2.2 miles per S$1 spent on overseas purchases in foreign currency.
Earn up to 10 miles per S$1 spent on Expedia, and Kaligo.
Receive 10,000 bonus miles when you pay the annual fee of S$196.20
Read our full review of the DBS Altitude Card.
Miles are awarded in the form of DBS points which are awarded for every S$5 spent.
Additional DBS points awarded for Expedia and Kaligo transactions are capped at S$5,000 spend per calendar month.
Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Welcome Offer
Gift Options
Up to 60,000 miles
Promotion is valid for new DBS credit cardmembers only
Apply for the DBS Altitude American Express/Visa Signature Card with promo code ALTA60, make a min. spend of S$3,000 within 60 days of card approval, and pay the first-year annual fee (S$196.20 incl. GST) to be eligible for rewards
Receive 43,400 miles from S$3,000 min. spend within 60 days of card approval
Receive 10,000 miles from payment of first-year annual fee (S$196.20 incl. GST)
Receive up to 6,600 miles from S$3,000 spend (based on 2.2 miles per S$1 overseas spend)
Up to 50,000 miles plus first-year annual fee waiver
Promotion is valid for new DBS credit cardmembers only
Apply for the DBS Altitude American Express Card with promo code ALTAW50 and make a min. spend of S$3,000 within 60 days of card approval to be eligible for rewards
Receive 43,400 miles from S$3,000 min. spend within 60 days of card approval
Receive up to 6,600 miles from S$3,000 spend (based on 2.2 miles per S$1 overseas spend)
Exquisite dining experience for two at Michelin-starred restaurants (worth S$900)
Valid until
30 June 2024
Welcome Offer
Jo Malone Cologne 30ml (worth S$120)
Valid until
30 April 2024
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Things to consider for this product:
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Local spending rebate
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Installment
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No monthly spend required
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Rebate cap applied
Pick from 7 rewards categories to earn up to 25X UNI$ for every S$5 spend (10 miles per S$1)
Spend on UOB Lady's Credit Card to earn 10X UNI$ (4 miles per S$1) and enjoy additional up to 15X UNI$ (6 miles per S$1) when you pair your UOB Lady's Credit Card with UOB Lady's Savings Account
LuxePay: Enjoy 0% 6 or 12-month instalment plan when you purchase your favorite luxury apparels.
Complimentary e-Commerce protection on your online purchases.
Enjoy UOB$ rebate on your daily essentials, entertainment and shopping.
You can only choose 1 rewards category out of 7 for the 25X UNI$ (10 miles per S$1) earn rate. It can’t be changed until next quarter.
You must apply for and use UOB Lady's Savings Account to unlock additional 15X UNI$ (6 miles per S$1) earn rate on selected rewards category.
Welcome Offer
Gift Options
Exquisite dining experience for two at Michelin-starred restaurants (worth S$900)
Promotion is valid for new UOB credit card members only
Be the first 150 applicants of the UOB Lady's Credit Card every month during the promo period and make a min. spend of S$1,500 per month for 2 consecutive months from card approval date to be eligible for rewards
Participating restaurants: Rêve, Cure, Art di Daniele Sperindio
Promotion is valid for new UOB deposits customers only
Be the first 150 applicants of the UOB Lady's Savings Account, deposit S$10,000 in fresh funds by 30 Apr 2024 and maintain the deposit until 31 May 2024 to be eligible for reward
Enjoy 5% Cashback on McDonald's, Starbucks, Golden Village, Netflix and Spotify.
Enjoy additional 5% Green Cashback on selected eco-friendly Eateries, Retailers, and Transport Services.
0.3% Cashback on All Other Spend
5 Years Annual Fee Waiver
No minimum spend required
No minimum income required
Monthly credit limit of S$500
Monthly cashback cap of S$50
Terms and Conditions :
Installment Processing Fee: From 2 %
Eligibility :
Minimum Age: 21 years old
Maximum Age: 27 years old
Minimum Annual Income: None
HSBC TravelOne Credit Card
Installment Processing Fee
From 3 %
info
Up to 5% depending on tenure.
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24 months
Installment Rate
0 %
2 Offers Available
Best Deal Guarantee
Dyson AM07 Tower Fan (worth S$459)
Valid until
14 May 2024
Best Deal Guarantee
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Valid until
14 May 2024
Best Deal Guarantee
S$250 eCapitaVoucher
Valid until
14 May 2024
Best Deal Guarantee
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Valid until
14 May 2024
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Things to consider for this product:
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Unlimited air miles
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Airport lounge
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Travel insurance
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Bonus air miles
Instant reward redemption with an extensive selection of airline and hotel partners via HSBC Singapore mobile app.
Accelerated earn rate: up to 2.4 miles for your spending.
No conversion fee for air miles or hotel points until 31 May 2024.
Complimentary travel insurance coverage (including COVID-19) and 4x complimentary airport lounge visits for main cardholders only, and more.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Split your purchases across a range of flexible tenures with HSBC Instalment Plans.
Best Deal Guarantee
Gift Options
Dyson AM07 Tower Fan (worth S$459); or
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
S$250 eCapitaVoucher
Promotion is valid for new HSBC credit cardmembers only
Apply for the HSBC TravelOne Credit Card, provide your marketing consent to HSBC, pay the annual fee (S$196.20 incl. GST), and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
15,000 Max Miles (worth a free flight to Tokyo, Japan)
Promotion is valid for new HSBC credit cardmembers only
Apply for the HSBC TravelOne Credit Card, provide your marketing consent to HSBC, pay the annual fee (S$196.20 incl. GST), and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
Complimentary personal concierge service will be provided to guide through the booking process
Get 6% voucher rebates in Takashimaya Department Store (Earn 2 Takashimaya Bonus Points with every S$10 charged)
Get 2% voucher rebates in Takashimaya Shopping Centre (Earn 2 Takashimaya Bonus Points with every S$30 charged)
Redeem S$30 worth of Takashimaya Gift Vouchers with every 100 Takashimaya Bonus Points.
Enjoy additional 10% off during selected sale events at Takashimaya Department Store.
Enjoy S$4 top-up to your CashCard for parking when you charge at least S$400 to your Card at Takashimaya Department Store.
Enjoy up to 5% discount at selected Takashimaya stores in Asia.
Rebates can only be redeemed for Takashimaya vouchers.
Welcome Offer
Gift Options
S$150 cashback
Promotion is valid for new and existing DBS credit cardmembers
Apply for the DBS Takashimaya AMEX Card and make a min. spend of S$250 within Takashimaya Department Store, Takashimaya Online Store and participating specialty stores at Takashimaya Shopping Centre within 30 days of card approval to be eligible for reward
Get up to 5% voucher rebates on your Takashimaya spend (up to 2 Takashimaya Points with every S$12 charged).
Redeem S$30 worth of Takashimaya Gift Vouchers with every 100 Takashimaya Bonus Points.
Enjoy additional 10% off during selected sale events at Takashimaya Department Store.
Enjoy S$4 top-up to your CashCard for parking when you charge at least S$400 to your Card at Takashimaya Department Store.
Enjoy up to 5% discount at selected Takashimaya stores in Asia.
Rebates can only be redeemed for Takashimaya vouchers.
Terms and Conditions :
Installment Processing Fee: From 2 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
DBS SAFRA Card
Installment Processing Fee
From 2 %
info
Up to 6% depending on tenure.
Minimum Spend For Installment
S$ 100
info
Maximum combined of 10 transactions only.
Installment Tenure
Up to 24 months
Installment Rate
0 %
Things to consider for this product:
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Mobile contactless rebate
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Online shopping rebate
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Monthly spend required
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Rebate cap applied
Enjoy up to 3% cash rebate on local contactless spend and online shopping, including bus/train rides via SimplyGo.
Earn 1 SAFRAPOINT for every dollar spent at participating outlets and facilities at SAFRA.
Doubles as your SAFRA Membership Card.
Enjoy exclusive access to 7 SAFRA Clubhouse islandwide.
Combined DBS and SAFRA privileges that include exclusive discounts and perks at over 1,800 merchant outlets.
No annual fee charged as long as you remain a SAFRA memeber. SAFRA membership fees still applies..
Applicant must be an existing SAFRA member.
Must spend a min. of S$500 in a calendar month to earn 3% cash rebate.
Cash rebates earned will be in the form of SAFRA$ and is capped at SAFRA$50 per card account per calendar month.
SAFRA$ earn will expire 12 calendar months from the date it was earned. All expired SAFRA$ will be forfeited.
Terms and Conditions :
Installment Processing Fee: From 2 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
OCBC 365 Credit Card
Installment Processing Fee
From 3 %
info
Up to 6% depending on tenure.
Minimum Spend For Installment
S$ 100
Installment Tenure
Up to 12 months
Installment Rate
0 %
Things to consider for this product:
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Petrol rebate
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Dining rebate
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Gift: Apple product
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Monthly spend required
6% cashback on fuel spend at all other petrol stations.
5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).
3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.
3% cashback on groceries at supermarkets (both local and overseas) and online groceries.
3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).
3% cashback on recurring telco and electricity bills.
S$160 monthly cashback cap (up from S$80).
Up to 22.92% fuel savings at Caltex (incl. 18% instant discount for all fuel) and 6% cashback on fuel spend at all other petrol stations.
2-year annual fee waiver.
Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance.
Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently
Read our full review of the OCBC 365 Credit Card.
High min. spend of either S$800 or S$1,600 per calendar month
Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.
S$80 monthly cashback cap with minium spend of $800.
S$160 monthly cashback cap with mininum spend of $1,600.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.
Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.
Terms and Conditions :
Installment Processing Fee : From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
OCBC Rewards Credit Card
Installment Processing Fee
From 3 %
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Up to 6% depending on tenure.
Minimum Spend For Installment
S$ 100
Installment Tenure
Up to 12 months
Installment Rate
0 %
Things to consider for this product:
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Retail rebate
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Online shopping rebate
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Gift: Apple product
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No monthly spend required
Earn 15X OCBC$ (or 6 miles) for every S$1 spent at selected popular retailers (new selections every three months).
Earn 1X OCBC$ (or 0.4 miles) on all other spends, including public transport rides.
Enjoy complimentary e-commerce protection on all your online purchases made with this card.
Get fast approval and use your digital card instantly when you apply via MyInfo.
Read our full review of the OCBC Titanium Rewards Credit Card.
15 OCBC$ per S$1 earn rate is capped at 10,000 bonus OCBC$ cap per month.
OCBC$ awarded in blocks of S$5 charged per transaction.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
OCBC 90°N Mastercard
Installment Processing Fee
From 3 %
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Up to 6% depending on tenure.
Minimum Spend For Installment
S$ 100
Installment Tenure
Up to 12 months
Installment Rate
0 %
Things to consider for this product:
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No expiry air miles
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Unlimited air miles
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Gift: Apple product
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No monthly spend required
Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.
Your Miles never expire.
No expiry on Travel$ earned, and no conversion fee.
Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.
First-year annual fee waived.
Read our full review of the OCBC 90°N Credit Card.
Travel$ is awarded in blocks of S$5 charged to the card per transaction.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
OCBC 90°N Visa Card
Installment Processing Fee
From 3 %
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Up to 6% depending on tenure.
Minimum Spend For Installment
S$ 100
Installment Tenure
Up to 12 months
Installment Rate
0 %
Things to consider for this product:
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Unlimited air miles
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No expiry air miles
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Bonus air miles
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Gift: Apple product
Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.
Flexibility of converting points to miles: 1 Travel$ = 1 mile.
No expiry on Travel$ earned, and no conversion fee.
Travel$ can be converted to 1.2% cashback.
Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.
First-year annual fee waived. Receive 10,000 miles when you pay the second year annual fee.
Read our full review of the OCBC 90°N Credit Card.
Travel$ awarded in blocks of S$5 charged to the card per transaction.
Terms and Conditions :
Installment Processing Fee : From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
Maybank Visa Infinite Card
Installment Processing Fee
From 0 %
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Up to 6% depending on tenure. From now till 30 September 2023, enjoy S$0 processing fee when you apply for an instalment period of 3 months.
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 24 months
Installment Rate
0 %
Things to consider for this product:
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Airport lounge
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No expiry air miles
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Airport transfer
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Annual Fee required
Up to 3X TREATS Points (1.2 mpd) on local spend.
Up to 5X TREATS Points (2 mpd) on foreign currency spend .
Complimentary enrolment into Maybank's Rewards Infinite Programme where TREATS Points never expire.
Dining, shopping, and travel deals via Maybank TREATS SG app.
Up to S$1,000,000 complimentary travel insurance coverage when you charge full travel fare to card.
Unlimited Priority Pass lounge visits per year for primary cardholders.
Complimentary Priority Pass membership renewal upon paying card annual fee or min. S$60,000 in eligible spend in previous card anniversary year.
Complimentary green fees all year round at over 100 golf courses worldwide.
1x complimentary airport limousine transfer on a Mercedes E-Class with min. S$3,000 eligible spend in previous calendar month.
1x complimentary JetQuay Service featuring private JetQuay host with min. S$3,000 eligible spend in previous calendar month.
25% off retail rates for meet-and-greet airport services in selected countries.
10% off car rentals worldwide with min. 1-day rental (plus 1 extra day rental with min. 6 days' rental).
24/7 Visa Concierge service and access to Visa Luxury Hotel Collection.
No complimentary airport lounge visits for supplementary cardholders and guests. US$32 per person per visit rate applies.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 150000
Maybank eVibes Card - The Student Card
Installment Processing Fee
From 0 %
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Up to 6% depending on tenure. From now till 30 September 2023, enjoy S$0 processing fee when you apply for an instalment period of 3 months.
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 24 months
Installment Rate
0 %
Things to consider for this product:
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Local spending rebate
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No rebate cap
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No monthly spend required
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Student card
1% cashback on all spend.
Additional 8% off on Agoda till 31 Dec 2023.
Low quarterly service fee of $5. Waivable when you charge to your card once every three months.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 18 years old
Maximum Age: 30 years old
Minimum Annual Income: None
UOB Lady's Solitaire Card
Installment Processing Fee
From 3 %
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Up to 5% depending on tenure.
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24 months
Installment Rate
0 %
Things to consider for this product:
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Local spending rebate
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Installment
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No monthly spend required
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Rebate cap applied
15X UNI$ for every S$5 spent (equivalent to 6 miles per S$1) on 2 of your preferred rewards categories..
UNI$1 per S$5 spent (equivalent to 0.4 miles per S$1) on other purchases.
Complimentary travel insurance coverage of up to US$100,000.
Complimentary e-commerce protection
0% LuxePay
S$120,000 annual income
S$410.40 annual fee
S$5 earning blocks for miles.
Automatic UNI$ deductions
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 120000
UOB Visa Infinite Metal Card
Installment Processing Fee
From 3 %
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Up to 5% depending on tenure.
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24 months
Installment Rate
0 %
Things to consider for this product:
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Airport lounge
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Bonus air miles
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Overseas rebate
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Annual Fee required
Unlimited access to 1,300 airport lounges worldwide, for you and a guest.
Earn 2.4 air miles per S$1 spent in foreign currency, and 1.4 air miles per S$1 spent locally.
Bonus 15,000 air miles upon renewal with min. S$100,000 spend within membership year.
Waiver of miles conversion fees.
Complimentary welcome drinks and up to 50% off at select Michelin-starred and fine dining restaurants.
Complimentary 2 x S$5 GrabGifts vouchers monthly.
Travel with peace of mind with up to S$1,000,000 Travel Personal Accident Insurance coverage.
24/7 UOB Visa Infinite Concierge for your banking and lifestyle needs.
No annual fee waiver
Terms and Conditions :
Installment Processing Fee : From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 120000
UOB Professionals Platinum Card
Installment Processing Fee
From 3 %
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Up to 5% depending on tenure.
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 12 months
Installment Rate
0 %
Things to consider for this product:
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Dining savings
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Petrol savings
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Annual Fee waiver
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Retail rebate
Earn 1 SMART$ for every S$1 spent to offset your purchases.
Get up to 10% SMART$ rebate at participating stores islandwide.
Exclusive dining offers at the likes of Din Tai Fung, The Fullerton Hotel Singapore, Goodwood Park Hotel, Timbre and more.
Enjoy up to 20.8% and 24% fuel savings at Shell and SPC respectively.
Lifetime annual fee waiver.
Applicant must be an existing member of Alumni Association, ISCA, Law Society of Singapore, SMA or ACCA.
UNI$ will not be awarded on transactions at SMART$ merchants where SMART$ are issued.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
UOB UnionPay Platinum Card
Installment Processing Fee
From 3 %
info
Up to 5% depending on tenure.
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 12 months
Installment Rate
0 %
Things to consider for this product:
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Local spending rebate
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No monthly spend required
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Petrol savings
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Rebate cap applied
2% cash rebate on all spends, no minimum spend required.
Up to 10% discount at over 100 International Airport Duty Free Shops.
Up to 21.6% fuel savings at SPC.
1-for-1 movie tickets at Shaw Theatres.
24-hour concierge service for personal lifestyle errands.
Total cash rebate is capped at S$50 per calendar month.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 40000
UOB Visa Signature Card
Installment Processing Fee
From 3 %
info
Up to 5% depending on tenure.
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 12 months
Installment Rate
0 %
Things to consider for this product:
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Petrol rebate
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Overseas rebate
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Mobile contactless rebate
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Rebate cap applied
4 miles per dollar on contactless, overseas, and petrol transactions.
Travel insurance coverage of up to S$500,000.
S$1,000 monthly minimum spend.
Rewards bonus cap at S$2,000 per statement month.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 50000
UOB Preferred Platinum Visa Card
Installment Processing Fee
From 3 %
info
Up to 5% depending on tenure.
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 12 months
Installment Rate
0 %
Things to consider for this product:
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Online shopping rebate
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Mobile contactless rebate
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Installment
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Rebate cap applied
4 miles per dollar on online shopping, mobile contactless, and entertainment transactions.
No minimum spend
2-year points validity
0.4 miles per dollar on all other eligible spend, including bus/MRT transactions.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
HSBC Visa Infinite Credit Card
Installment Processing Fee
Up to 5 %
info
For 12-month tenure, 3% for 3 and 6-month tenure.
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24 months
Installment Rate
0 %
Things to consider for this product:
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Bonus air miles
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Airport lounge
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Travel insurance
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Annual Fee required
Base earn rates of 1 mile per S$1 on local spend and 2 miles per S$1 in foreign spend.
Step Up earn rates of 1.25 miles per S$1 on local spend and 2.25 miles per S$1 in foreign spend with min. S$50,000 eligible purchases within first 12 months of card issuance date.
Regular cardholders: 2x complimentary expedited immigration clearance per calendar year, thereafter min. S$2,000 eligible spend in a calendar month to qualify.
Regular cardholders: 2x complimentary airport limousine service per calendar year, thereafter min. S$2,000 eligible spend in a calendar month to qualify (capped at 24 usages per calendar year).
HSBC Premier customers: 4x complimentary expedited immigration clearance and airport limousine service each per calendar year.
Unlimited airport lounge access for primary and supplementary cardholders.
Up to US$2 million complimentary travel insurance coverage (including up to US$100,000 for COVID-19).
Complimentary concierge services for travel, golfing, dining, shopping, and business assistance.
Exclusive discounts on retail, dining, hotel stays, and more offers.
US$35 per guest per visit for airport lounge access.
HSBC Rewards Points expire after 37 months.
S$43.20 annual Mileage Programme fee (convert points into KrisFlyer and/or Asia Miles).
Expensive annual fee of S$656.08 for everyone, but S$492.56 annual fee reserved for HSBC Premier customers only.
Terms and Conditions :
Installment Processing Fee: Up to 5 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 120000
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How does a 0% Interest Credit Card work?
- Offers an introductory period with 0% interest on specific transactions like purchases or balance transfers. - During the promotional period, no interest is charged on the eligible transactions. The duration of the 0% interest period varies among credit cards and the user’s chosen tenures.
- Once the promotional period ends, any outstanding balance from eligible transactions will be subject to the card's regular interest rate. - To fully benefit, pay off the balance before the promotional period expires to avoid interest charges on the remaining balances.
Overall, 0% Interest Credit Cards are beneficial for managing more significant expenses and minimising interest costs, but responsible payment is essential. That’s why reviewing the card's terms to understand eligibility, usage of the instalment plan, and adjust its tenure accordingly to best manage your repayment intervals.
Credit cards with 0% instalment plans are ideal for these individuals:
If you want interest-free financing Individuals who prefer interest-free financing for significant purchases can benefit from converting expenses into manageable monthly instalments.
If you’re buying big-ticket items & other large expenses Cardholders with substantial expenses, such as home appliances, furniture, or electronics, can use 0% instalment plans to spread the cost over several months.
If you prefer budget flexibility Those looking for greater budget flexibility can opt for instalment plans to avoid the immediate financial strain of a one-time purchase.
If you seek to minimise interest costs Using a credit card with a 0% instalment offer allows users to minimize interest costs during the promotional period, as no interest is applied to the converted amount.
If you like predictable payments Those who are disciplined in paying bills on time and prefer predictable and fixed monthly payments can benefit from the structured repayment schedule of instalment plans.
If you have limited cash flow Individuals with limited cash flow at a particular time can utilise instalment plans to make substantial purchases without exhausting their savings.
If you’re looking to consolidate debt People with existing credit card debt at high-interest rates can use a 0% interest credit card to consolidate their balances and pay off the debt without incurring additional interest charges during the promotional period.
If you have good credit management Individuals who are responsible with credit and can manage their payments effectively, ensuring they pay off the balance before the promotional period expires.
To make the most of a travel credit card and maximise its benefits, consider the following tips:
Debt consolidation If you have existing credit card debt with high-interest rates, consider transferring the balances to the 0% Interest Credit Ccard during the promotional period. This can help consolidate your debts and give you time to pay off the balance without incurring additional interest charges.
Avoid new debt While the promotional period may entice you to spend more, avoid accumulating new debt on the card. Stick to necessary purchases and be mindful of your spending.
Plan your purchases, especially large ones Identify significant expenses you want to convert into instalments. Prioritise essential items or investments that align with your financial goals. Subsequently, use the 0% Interest Credit Card for significant purchases that you plan to pay off over time. Take advantage of the interest-free period to spread out payments without accruing interest.
Budget wisely While 0% instalment plans offer flexibility, avoid unnecessary purchases. Stick to what you can comfortably afford to repay during the promotional period.
Review terms and duration Understand the promotional period's length and ensure it aligns with your repayment capabilities. Be aware of any potential fees if you miss payments or exceed the plan duration.
Make timely payments & monitor finances Always pay the monthly instalments on time to maintain the interest-free benefit. Set reminders or automate payments to avoid late fees. If possible, Set up automatic payments to ensure you never miss a due date and maintain the 0% Interest rate throughout the promotional period. Meanwhile, remember to regularly review your credit card statements to stay on top of your overall financial health and ensure you’re not in the red.
Leverage for investments Consider using the interest-free period to invest the money you would have spent upfront, allowing potential gains during the promotional period.
Take advantage of credit card mechanics Some credit cards may offer rebates for transactions converted into instalments. For example, the OCBC NXT Card offers up to 1% cash rebates on minimum S$1,000 monthly bills, capped at S$100 per month. Check for such benefits to further maximise your savings.
Use for emergency expenses If you encounter unexpected emergency expenses, you can use the instalment plan to spread the cost over time, rather than accumulating debt on high-interest options.
Here are some of the best credit cards with 0% Instalment for your needs
Best credit cards with 0% interest rates
DBS Live Fresh Card: Provides 0% interest instalment plans over a period of 3 to 24 months for big-ticket purchases, education, insurance, and income tax bills. This card is especially popular among young professionals and frequent online shoppers, as it offers cashback on various online and contactless transactions – especially for selected green merchants.
DBS Woman’s / Woman’s World Card: Provides 0% interest instalment plans over a period of 3 to 24 months for big-ticket purchases, education, insurance, and income tax bills. This card is especially popular among females who enjoy shopping both online and offline, as it offers rewards points at their favourite retailers.
OCBC Great Eastern Cashflo Card: Designed to automatically convert Great Eastern premium payments and bills into 0% interest instalments. Transactions between S$100 to S$1,000 will be split across 3-month instalments whereas transactions above S$1,000 will be split across 6 months. Eligible Great Easter Life and General Insurance premiums will be split over up to 12 months, with 1% processing fee applied. This card proves great for individuals who want a hassle-free method of splitting repayments without needing to manually opt-in for instalment plans.
OCBC NXT Card: Enjoy hassle-free auto-instalments of either 3 or 6 months and earn back S$100 monthly rebates depending on your transaction’s amount. Purchases between S$100 to S$1,000 will be split across 3 months whereas those S$1,000 and above will be split across 6 months.
Citibank Ready Credit Card: Offers 0% interest instalment plans to convert your credit card statement balance into affordable monthly repayments (under Citi Flexibill), allowing you to keep track of your managing card bill in a more cost-effective manner. This card also provides the convenience of credit card combined with a personal line of credit.
HSBC Revolution Card: Offers 0% processing fee for big-ticket purchases with minimum S$500 spend for fixed repayments over a period of 6 to 24 months.
Maybank Family & Friends Card: Provides 0% processing fee for instalment plans at over 1,500 participating outlets between 6 to 36 months, allowing users to spread out payments without additional costs. Minimum S$500 spend is required per purchase subjected to the card limit.
DBS Woman’s / Woman’s World Card: Enjoy 0% instalment payments for up to 24 months on big-ticket purchases, income tax bills, education fees, insurance premiums, and more.
OCBC Titanium Rewards Card: Split your bills at over 1,000 retail merchants over a period of up to 36 monthly instalments with 0% processing fee involved. These eligible categories include automotive, education, health, beauty & wellness, insurance, shopping, travel, and online transactions.
Standard Chartered Smart Card: Offers 3-month interest-free instalment payments via their EasyPay Instalment Plan with zero processing or service fees. Although, a minimum of S$300 per transaction is required – this would split your bill into at least three S$100 monthly instalments for every transaction.
CIMB credit cards: The CIMB Visa Infinite, CIMB Visa Signature, and CIMB World Mastercard offer up to 24 months instalment plans on any merchant, with a minimum spend of S$1,000 per transaction. Meanwhile, any transaction with minimum S$300 spend will be converted into 6- to 12-month tenures. Otherwise, all transactions are capped at S$30,000.
Citibank Ready Credit Card: Provides up to 36-month tenure for instalment plans, with minimum spend being as low as S$200 per transaction – making it an attractive choice for managing larger expenses with greater flexibility. This card also offers a personal line of credit combined with the convenience of a credit card.
UOB credit cards: Under UOB’s 0% Instalment Payment Plan, UOB cardholders can split their purchases into 0% monthly instalments for up to 24 months at over 3,000 eligible merchant outlets, with no processing fees involved. The tenure length varies according to merchants. Popular UOB credit cards include the UOB One Card and UOB Lady's and UOB Lady’s Solitaire Card.
DBS credit cards: Under the DBS Instalment Payment Plan (IPP), DBS cardholders can enjoy 0% instalment plans for up to 24 months for selected merchants, while most other transactions can be converted into 6- or 12-month period instalments. Popular DBS credit cards include the DBS Woman’s & Woman’s World Card, DBS Live Fresh Card, and DBS Altitude Card.
Things to look out for when choosing a credit card with 0% instalment
When choosing a credit card with a 0% instalment plan, consider the following factors to ensure you make an informed decision.
Length of promotional period Check the length of the 0% interest promotional period. Longer periods provide more time to repay the instalments without incurring interest charges.
Eligible transactions Understand which purchases qualify for the 0% instalment plan. Ensure that your intended expenses, such as large purchases or essential items, are eligible.
Processing fees Some credit cards may charge a processing fee for converting transactions into instalments. Look for cards with 0% processing fees to avoid additional costs.
Monthly repayment amount Calculate the monthly instalment amount and ensure it fits within your budget. Choose a repayment amount that you can comfortably manage.
Repayment flexibility Some cards may allow you to prepay the instalment plan or make lump-sum payments. Opt for a card that offers such flexibility if needed.
Penalties and charges Review the terms and conditions for late payment penalties or default charges. Avoid missing payments to maintain the interest-free benefit.
Credit limit consideration Check if the instalment plan will affect your available credit limit. Make sure you have sufficient credit limit for other expenses.
Post-promotional interest rates Understand the standard interest rates that will apply once the promotional period ends. Be prepared to repay any outstanding balance before higher interest rates take effect.
Eligibility requirements Check if there are specific eligibility criteria, such as minimum purchase amount or credit score, to qualify for the 0% instalment plan.
Balance transfer fees If you plan to transfer balances from other credit cards, be aware of any balance transfer fees associated with the new card.
Eligible spending categories If the 0% interest offer is limited to specific spending categories, ensure they align with your regular expenses.
A credit card instalment plan allows cardholders to convert eligible purchases into fixed monthly payments over a specified period without incurring interest charges during the promotional period. It offers the convenience of budgeting and spreading payments without interest costs until the plan is fully completed.
Are credit card instalment plans worth it?
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Credit card instalment plans can be worth it for significant expenses, as they offer interest savings during the promotional period and provide budgeting benefits with predictable payments.
However, responsible usage and timely payments are essential to fully benefit from the interest-free feature. Consider your financial situation and the promotional period's duration before opting for an instalment plan.
Why do banks offer 0% Interest Credit Cards?
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Banks offer interest-free credit cards as promotional incentives to attract new customers, increase card usage, and promote balance transfers. These offers provide a competitive advantage, encourage large purchases, and can build customer loyalty. While beneficial for consumers who use the cards responsibly, it's crucial to understand the terms and avoid accumulating unmanageable debt.
What is one disadvantage of 0% Interest Credit Cards for balance transfers?
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One disadvantage of a 0% interest Credit Card used for balance transfers is the potential balance transfer fee, which can offset some of the interest rebates or savings earned back during the promotional period.