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Best 0% Interest Credit Cards in Singapore 2024

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.

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See All Prizes
 
Frame 1658
8x Apple iPad
(each worth $679)
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8x Dyson AirwrapTM styler
(each worth $849)
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8x Nintendo Switch OLED
(each worth $549)
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8x Playstation®5 consoles
(each worth $799)

 

Standard Chartered Simply Cash Credit Card

Standard Chartered Simply Cash Credit Card

Installment Processing Fee
From 0.1  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 12  months
Installment Rate
0  %

2 Offers Available

March Madness Grand Lucky Draw
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Dyson Supersonic™ hair dryer (worth S$699)

Valid until

31 March 2024

Best Deal Guarantee
Nintendo Switch OLED (worth S$549)
Nintendo Switch OLED (worth S$549)

Valid until

31 March 2024

Best Deal Guarantee
Apple iPad 9th Gen 10.2
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

31 March 2024

Best Deal Guarantee
Up to S$420
Up to S$420

Valid until

31 March 2024

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

Installment

HSBC Revolution Credit Card

HSBC Revolution Credit Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24  months
Installment Rate
0  %

2 Offers Available

March Madness Grand Lucky Draw
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Dyson Supersonic™ hair dryer (worth S$699)

+ 3 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Mobile contactless rebate

check

Online shopping rebate

check

Travel rebate

check

No Annual Fee

CIMB Visa Signature Card

CIMB Visa Signature Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 300
info
Installment Tenure
Up to 24  months
Installment Rate
0  %

2 Offers Available

March Madness Grand Lucky Draw
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Apple AirPods Pro 2nd Gen (worth S$365.70)
Apple AirPods Pro 2nd Gen (worth S$365.70)

Valid until

31 March 2024

Best Deal Guarantee
+PLUS Chelsea Check-In 60/25 Luggage (worth S$449)
+PLUS Chelsea Check-In 60/25 Luggage (worth S$449)

Valid until

31 March 2024

Best Deal Guarantee
S$280 cash via PayNow
S$280 cash via PayNow

Valid until

31 March 2024

Things to consider for this product:

check

Online shopping rebate

check

Supermarket rebate

check

Annual Fee waiver

remove

Rebate cap applied

Citi PremierMiles Card

Citi PremierMiles Card

Installment Processing Fee
From 0.5  %
info
Minimum Spend For Installment
S$ 250
Installment Tenure
Up to 36  months
Installment Rate
0  %

2 Offers Available

March Madness Grand Lucky Draw
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Dyson Supersonic™ hair dryer (worth S$699)

Valid until

31 March 2024

Best Deal Guarantee
Apple iPad 10th Gen WiFi 64GB (worth S$691.60)
Apple iPad 10th Gen WiFi 64GB (worth S$691.60)

Valid until

31 March 2024

Best Deal Guarantee
S$400 eCapitaVoucher
S$400 eCapitaVoucher

Valid until

31 March 2024

Best Deal Guarantee
S$300 cash via PayNow
S$300 cash via PayNow

Valid until

31 March 2024

Things to consider for this product:

check

No expiry air miles

check

Airport lounge

check

Travel rebate

check

Gift: Apple product

Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

Installment Processing Fee
0  %
Minimum Spend For Installment
S$ 500
Installment Tenure
3  months
Installment Rate
0  %

2 Offers Available

March Madness Grand Lucky Draw
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Apple iPad 9th Gen 10.2
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

31 March 2024

Best Deal Guarantee
Dyson AM07 Tower Fan (worth S$459)
Dyson AM07 Tower Fan (worth S$459)

Valid until

31 March 2024

Best Deal Guarantee
Apple AirPods Pro 2nd Gen (worth S$365.70)
Apple AirPods Pro 2nd Gen (worth S$365.70)

Valid until

31 March 2024

Best Deal Guarantee
Up to S$340
Up to S$340

Valid until

31 March 2024

Things to consider for this product:

check

Bonus air miles

check

Public transportation

check

Installment

check

No Annual Fee

CIMB World Mastercard

CIMB World Mastercard

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 300
info
Installment Tenure
Up to 24  months
Installment Rate
0  %

2 Offers Available

March Madness Grand Lucky Draw
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Apple AirPods Pro 2nd Gen (worth S$365.70)
Apple AirPods Pro 2nd Gen (worth S$365.70)

Valid until

31 March 2024

Best Deal Guarantee
+PLUS Chelsea Check-In 60/25 Luggage (worth S$449)
+PLUS Chelsea Check-In 60/25 Luggage (worth S$449)

Valid until

31 March 2024

Best Deal Guarantee
S$280 cash via PayNow
S$280 cash via PayNow

Valid until

31 March 2024

Things to consider for this product:

check

No rebate cap

check

Food delivery

check

Annual Fee waiver

remove

Monthly spend required

HSBC TravelOne Credit Card

HSBC TravelOne Credit Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24  months
Installment Rate
0  %

2 Offers Available

March Madness Grand Lucky Draw
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Dyson Supersonic™ hair dryer (worth S$699)

+ 3 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Unlimited air miles

check

Airport lounge

check

Travel insurance

check

Bonus air miles

Citi Cash Back+ Card

Citi Cash Back+ Card

Installment Processing Fee
From 0.5  %
info
Minimum Spend For Installment
S$ 250
Installment Tenure
Up to 36  months
Installment Rate
0  %

2 Offers Available

March Madness Grand Lucky Draw
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Dyson Supersonic™ hair dryer (worth S$699)

Valid until

31 March 2024

Best Deal Guarantee
Apple iPad 9th Gen 10.2
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

31 March 2024

Best Deal Guarantee
Dyson V8 Slim Fluffy (worth S$509)
Dyson V8 Slim Fluffy (worth S$509)

Valid until

31 March 2024

Best Deal Guarantee
S$400 eCapitaVoucher
S$400 eCapitaVoucher

Valid until

31 March 2024

Best Deal Guarantee
S$300 cash via PayNow
S$300 cash via PayNow

Valid until

31 March 2024

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

Standard Chartered Journey Credit Card

Standard Chartered Journey Credit Card

Installment Processing Fee
From 0.1  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 12  months
Installment Rate
0  %

3 Offers Available

March Madness Grand Lucky Draw
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Dyson AM07 Tower Fan (worth S$459)
Dyson AM07 Tower Fan (worth S$459)

Valid until

31 March 2024

Best Deal Guarantee
+PLUS Chelsea Cabin-In 54/23 Luggage (worth S$369)
+PLUS Chelsea Cabin-In 54/23 Luggage (worth S$369)

Valid until

31 March 2024

Best Deal Guarantee
Up to S$160
Up to S$160

Valid until

31 March 2024

Welcome Offer
Up to 45,000 miles
Up to 45,000 miles

Valid until

31 March 2024

Things to consider for this product:

check

Bonus air miles

check

No expiry air miles

check

Airport lounge

check

Travel insurance

HSBC Advance Credit Card

HSBC Advance Credit Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24  months
Installment Rate
0  %

2 Offers Available

March Madness Grand Lucky Draw
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Dyson Supersonic™ hair dryer (worth S$699)

+ 3 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

No monthly spend required

check

Travel insurance

check

Annual Fee waiver

remove

Rebate cap applied

CIMB Visa Infinite Card

CIMB Visa Infinite Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 300
info
Installment Tenure
Up to 24  months
Installment Rate
0  %

2 Offers Available

March Madness Grand Lucky Draw
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Apple AirPods Pro 2nd Gen (worth S$365.70)
Apple AirPods Pro 2nd Gen (worth S$365.70)

Valid until

31 March 2024

Best Deal Guarantee
+PLUS Chelsea Check-In 60/25 Luggage (worth S$449)
+PLUS Chelsea Check-In 60/25 Luggage (worth S$449)

Valid until

31 March 2024

Best Deal Guarantee
S$280 cash via PayNow
S$280 cash via PayNow

Valid until

31 March 2024

Things to consider for this product:

check

No rebate cap

check

Airport lounge

check

Travel insurance

check

Annual Fee waiver

Standard Chartered Rewards+ Credit Card

Standard Chartered Rewards+ Credit Card

Installment Processing Fee
Up to 0.1  %
info
Minimum Spend for Installment
S$ 500
Installment Tenure
Up to 12  months
Installment Rate
0  %

2 Offers Available

March Madness Grand Lucky Draw
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Apple iPad 9th Gen 10.2
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

31 March 2024

Best Deal Guarantee
Dyson AM07 Tower Fan (worth S$459)
Dyson AM07 Tower Fan (worth S$459)

Valid until

31 March 2024

Best Deal Guarantee
Apple AirPods Pro 2nd Gen (worth S$365.70)
Apple AirPods Pro 2nd Gen (worth S$365.70)

Valid until

31 March 2024

Best Deal Guarantee
Up to S$340
Up to S$340

Valid until

31 March 2024

Things to consider for this product:

check

Overseas rebate

check

No monthly spend required

check

Travel insurance

remove

Rebate cap applied

Citi Rewards Card

Citi Rewards Card

Installment Processing Fee
From 0.5  %
info
Minimum Spend For Installment
S$ 250
Installment Tenure
Up to 36  months
Installment Rate
0  %

2 Offers Available

March Madness Grand Lucky Draw
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Dyson Supersonic™ hair dryer (worth S$699)

Valid until

31 March 2024

Best Deal Guarantee
Apple iPad 9th Gen 10.2
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

31 March 2024

Best Deal Guarantee
Dyson V8 Slim Fluffy (worth S$509)
Dyson V8 Slim Fluffy (worth S$509)

Valid until

31 March 2024

Best Deal Guarantee
S$400 eCapitaVoucher
S$400 eCapitaVoucher

Valid until

31 March 2024

Best Deal Guarantee
S$300 cash via PayNow
S$300 cash via PayNow

Valid until

31 March 2024

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

Maybank Horizon Visa Signature Card

Maybank Horizon Visa Signature Card

Installment Processing Fee
From 0  %
info
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 24  months
Installment Rate
0  %

Things to consider for this product:

check

Overseas/Foreign spend

check

Air tickets

check

Dining

remove

Rebate cap applied

UOB One Card

UOB One Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24  months
Installment Rate
0  %

2 Offers Available

Welcome Offer
S$350 cash credit
S$350 cash credit

Valid until

31 March 2024

Welcome Offer
15% cashback
15% cashback

Valid until

31 March 2024

Things to consider for this product:

check

Supermarket rebate

check

Grab/taxi rebate

remove

Monthly spend required

remove

Rebate cap applied

American Express Singapore Airlines KrisFlyer Ascend Credit Card

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Installment Processing Fee
No processing Fee
Minimum Spend for Installment
S$ 250
info
Installment Tenure
Up to 24  months
Installment Rate
0  %
info

Offer Available

Welcome Offer
Receive up to 17,000 KrisFlyer miles and up to S$300 eCapitaVouchers
Receive up to 17,000 KrisFlyer miles and up to S$300 eCapitaVouchers

Valid until

31 March 2024

Things to consider for this product:

check

Unlimited air miles

check

Airport lounge

check

Travel insurance

remove

Annual Fee required

American Express Platinum Card

American Express Platinum Card

Installment Processing Fee
No processing Fee
Minimum Spend For Installment
S$ 250
info
Installment Tenure
Up to 24  months
Installment Rate
0  %
info

Offer Available

Welcome Offer
Get up to 135,000 Membership Rewards® points
Get up to 135,000 Membership Rewards® points

Valid until

31 March 2024

Things to consider for this product:

check

Bonus air miles

check

Dining savings

check

Airport lounge

remove

Annual Fee required

American Express Platinum Credit Card

American Express Platinum Credit Card

Installment Processing Fee
No processing Fee
Minimum Spend For Installment
S$ 250
info
Installment Tenure
Up to 24  months
Installment Rate
0  %
info

Offer Available

Welcome Offer
Up to S$400 eCapitaVoucher + 1,250 Membership Rewards® Points
Up to S$400 eCapitaVoucher + 1,250 Membership Rewards® Points

Valid until

31 March 2024

Things to consider for this product:

check

Unlimited air miles

check

Dining savings

remove

Annual Fee required

UOB PRVI Miles American Express Card

UOB PRVI Miles American Express Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24  months
Installment Rate
0  %

2 Offers Available

Welcome Offer
30,000 miles with annual fee waiver
30,000 miles with annual fee waiver

Valid until

31 March 2024

Welcome Offer
50,000 miles upon SMS registration and fulfilling spend requirement
50,000 miles upon SMS registration and fulfilling spend requirement

Valid until

31 March 2024

Things to consider for this product:

check

Bonus air miles

check

Unlimited air miles

check

Travel insurance

check

No monthly spend required

UOB PRVI Miles Visa Card

UOB PRVI Miles Visa Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24  months
Installment Rate
0  %

2 Offers Available

Welcome Offer
30,000 miles with annual fee waiver
30,000 miles with annual fee waiver

Valid until

31 March 2024

Welcome Offer
50,000 miles upon SMS registration and fulfilling spend requirement
50,000 miles upon SMS registration and fulfilling spend requirement

Valid until

31 March 2024

Things to consider for this product:

check

Bonus air miles

check

Unlimited air miles

check

Travel insurance

check

No monthly spend required

UOB PRVI Miles World MasterCard

UOB PRVI Miles World MasterCard

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24  months
Installment Rate
0  %

2 Offers Available

Welcome Offer
30,000 miles with annual fee waiver
30,000 miles with annual fee waiver

Valid until

31 March 2024

Welcome Offer
50,000 miles upon SMS registration and fulfilling spend requirement
50,000 miles upon SMS registration and fulfilling spend requirement

Valid until

31 March 2024

Things to consider for this product:

check

Bonus air miles

check

Unlimited air miles

check

Travel insurance

check

No monthly spend required

Maybank Manchester United Platinum Visa Credit Card

Maybank Manchester United Platinum Visa Credit Card

Installment Processing Fee
From 0  %
info
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 24  months
Installment Rate
0  %

Things to consider for this product:

check

Local spending rebate

check

No monthly spend required

check

No rebate cap

check

Travel insurance

Maybank FC Barcelona Visa Signature Card

Maybank FC Barcelona Visa Signature Card

Installment Processing Fee
From 0  %
info
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 24  months
Installment Rate
0  %

Things to consider for this product:

check

Annual Fee waiver

check

No monthly spend required

check

No rebate cap

check

Overseas rebate

Maybank World MasterCard

Maybank World MasterCard

Installment Processing Fee
From 0  %
info
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 24  months
Installment Rate
0  %

Things to consider for this product:

check

Dining rebate

check

Retail rebate

check

Petrol rebate

check

Airport lounge

Maybank Platinum Visa Card

Maybank Platinum Visa Card

Installment Processing Fee
From 0  %
info
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 24  months
Installment Rate
0  %

Things to consider for this product:

check

Local spending rebate

check

Overseas rebate

check

Annual Fee waiver

remove

Rebate cap applied

Maybank DUO Platinum MasterCard

Maybank DUO Platinum MasterCard

Installment Processing Fee
From 0  %
info
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 24  months
Installment Rate
0  %

Things to consider for this product:

check

Petrol rebate

check

Overseas rebate

check

Travel insurance

check

Annual Fee waiver

DBS yuu Visa Card

DBS yuu Visa Card

Installment Processing Fee
From 2  %
info
Minimum Spend For Installment
S$ 100
info
Installment Tenure
Up to 24  months
Installment Rate
0  %

Offer Available

Welcome Offer
S$388 cashback
S$388 cashback

Valid until

31 May 2024

Things to consider for this product:

check

Supermarket rebate

check

Dining rebate

remove

Rebate cap applied

remove

Monthly spend required

DBS yuu American Express Card

DBS yuu American Express Card

Installment Processing Fee
From 2  %
info
Minimum Spend For Installment
S$ 100
info
Installment Tenure
Up to 24  months
Installment Rate
0  %

2 Offers Available

Welcome Offer
S$388 cashback
S$388 cashback

Valid until

31 May 2024

Welcome Offer
S$60 cashback
S$60 cashback

Valid until

31 May 2024

Things to consider for this product:

check

Supermarket rebate

check

Dining rebate

remove

Rebate cap applied

remove

Monthly spend required

DBS Vantage Visa Infinite Card

DBS Vantage Visa Infinite Card

Installment Processing Fee
From 2  %
info
Minimum Spend For Installment
S$ 100
info
Installment Tenure
Up to 24  months
Installment Rate
0  %

Offer Available

Welcome Offer
Up to 85,000 miles
Up to 85,000 miles

Valid until

31 May 2024

Things to consider for this product:

check

Bonus air miles

check

Local spending rebate

check

Overseas rebate

check

Airport lounge

DBS Altitude Visa Signature Card

DBS Altitude Visa Signature Card

Installment Processing Fee
From 2  %
info
Minimum Spend For Installment
S$ 100
info
Installment Tenure
Up to 24  months
Installment Rate
0  %

2 Offers Available

Welcome Offer
Up to 53,000 miles
Up to 53,000 miles

Valid until

31 May 2024

Welcome Offer
Up to 43,000 miles plus first-year annual fee waiver
Up to 43,000 miles plus first-year annual fee waiver

Valid until

31 May 2024

Things to consider for this product:

check

Bonus air miles

check

Airport lounge

check

No expiry air miles

check

Unlimited air miles

DBS Altitude American Express Card

DBS Altitude American Express Card

Installment Processing Fee
From 2  %
info
Minimum Spend For Installment
S$ 100
info
Installment Tenure
Up to 24  months
Installment Rate
0  %

2 Offers Available

Welcome Offer
Up to 60,000 miles
Up to 60,000 miles

Valid until

31 May 2024

Welcome Offer
Up to 50,000 miles plus first-year annual fee waiver
Up to 50,000 miles plus first-year annual fee waiver

Valid until

31 May 2024

Things to consider for this product:

check

Bonus air miles

check

Airport lounge

check

No expiry air miles

check

Unlimited air miles

DBS Live Fresh Card

DBS Live Fresh Card

Installment Processing Fee
From 2  %
info
Minimum Spend For Installment
S$ 100
info
Installment Tenure
Up to 24  months
Installment Rate
0  %

Offer Available

Welcome Offer
S$388 cashback
S$388 cashback

Valid until

31 May 2024

Things to consider for this product:

check

Online Rebate

check

Shopping

check

Public transportation

remove

Rebate cap applied

remove

Monthly spend required

DBS Woman's Card

DBS Woman's Card

Installment Processing Fee
From 2  %
info
Minimum Spend For Installment
$S 100
info
Installment Tenure
Up to 24  months
Installment Rate
0  %

Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Installment

remove

Rebate cap applied

DBS Woman's World Card

DBS Woman's World Card

Installment Processing Fee
From 2  %
info
Minimum Spend For Installment
S$ 100
info
Installment Tenure
Up to 24  months
Installment Rate
0  %

Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Installment

remove

Rebate cap applied

POSB Everyday Card

POSB Everyday Card

Installment Processing Fee
From 2  %
info
Minimum Spend For Installment
S$ 100
info
Installment Tenure
Up to 24  months
Installment Rate
0  %

Offer Available

Welcome Offer
S$388 cashback
S$388 cashback

Valid until

31 May 2024

Things to consider for this product:

check

Food delivery

check

Online shopping rebate

remove

Rebate cap applied

remove

Monthly spend required

KrisFlyer UOB Credit Card

KrisFlyer UOB Credit Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24  months
Installment Rate
0  %

Offer Available

Welcome Offer
31,000 miles plus first year annual fee waived (S$194.40 incl. GST)
31,000 miles plus first year annual fee waived (S$194.40 incl. GST)

Valid until

31 March 2024

Things to consider for this product:

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Bonus air miles

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Unlimited air miles

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Annual Fee waiver

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Monthly spend required

UOB Absolute Cashback Card

UOB Absolute Cashback Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24  months
Installment Rate
0  %

Offer Available

Welcome Offer
S$350 cash credit
S$350 cash credit

Valid until

31 March 2024

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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Insurance rebate

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Local spending rebate

UOB EVOL Card

UOB EVOL Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24  months
Installment Rate
0  %

Offer Available

Welcome Offer
S$350 cash credit
S$350 cash credit

Valid until

31 March 2024

Things to consider for this product:

check

Online shopping rebate

check

Mobile contactless rebate

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Monthly spend required

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Rebate cap applied

UOB Lady's Card

UOB Lady's Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24  months
Installment Rate
0  %

Offer Available

Welcome Offer
S$350 cash credit
S$350 cash credit

Valid until

31 March 2024

Things to consider for this product:

check

Local spending rebate

check

Installment

check

No monthly spend required

remove

Rebate cap applied

UOB Lady's Solitaire Card

UOB Lady's Solitaire Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24  months
Installment Rate
0  %

Offer Available

Welcome Offer
S$350 cash credit
S$350 cash credit

Valid until

31 March 2024

Things to consider for this product:

check

Local spending rebate

check

Installment

check

No monthly spend required

remove

Rebate cap applied

DCS CASHBACK Card

DCS CASHBACK Card

Installment Processing Fee
No processing Fee
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 12  months
Installment Rate
0  %

Things to consider for this product:

check

Travel insurance

check

Airport lounge

remove

Monthly spend required

remove

Rebate cap applied

DCS Sheng Siong Card

DCS Sheng Siong Card

Installment Processing Fee
No processing Fee
Minimum Spend for Installment
S$ 300
Installment Tenure
Up to 12  months
Installment Rate
0  %

Things to consider for this product:

check

Supermarket rebate

check

Travel insurance

check

Installment

check

No expiry air miles

DCS DON DON DONKI Card

DCS DON DON DONKI Card

Installment Processing Fee
No processing Fee
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 12  months
Installment Rate
0  %

Things to consider for this product:

check

Supermarket rebate

check

Travel insurance

check

Installment

check

No expiry air miles

DCS Ultimate Platinum UnionPay Card

DCS Ultimate Platinum UnionPay Card

Installment Processing Fee
No processing Fee
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 24  months
Installment Rate
0  %

Things to consider for this product:

check

Online shopping rebate

check

Travel insurance

check

No monthly spend required

remove

Rebate cap applied

DCS Ultimate Platinum Mastercard

DCS Ultimate Platinum Mastercard

Installment Processing Fee
No processing Fee
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 24  months
Installment Rate
0  %

Things to consider for this product:

check

Online shopping rebate

check

Travel insurance

check

No monthly spend required

remove

Rebate cap applied

DBS Esso Card

DBS Esso Card

Installment Processing Fee
From 2  %
info
Minimum Spend For Installment
S$ 100
info
Installment Tenure
Up to 24  months
Installment Rate
0  %

Offer Available

Welcome Offer
S$120 cash rebate
S$120 cash rebate

Valid until

30 April 2024

Things to consider for this product:

check

Petrol savings

remove

Annual Fee required

DBS Live Fresh Student Card

DBS Live Fresh Student Card

Installment Processing Fee
From 2  %
info
Minimum Spend For Installment
S$ 100
info
Installment Tenure
Up to 24  months
Installment Rate
0  %

Things to consider for this product:

check

Mobile contactless rebate

check

Local spending rebate

check

No income required

remove

Rebate cap applied

HSBC TravelOne Credit Card

HSBC TravelOne Credit Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24  months
Installment Rate
0  %

2 Offers Available

March Madness Grand Lucky Draw
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Dyson Supersonic™ hair dryer (worth S$699)

+ 3 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Unlimited air miles

check

Airport lounge

check

Travel insurance

check

Bonus air miles

DBS Takashimaya American Express Card

DBS Takashimaya American Express Card

Installment Processing Fee
From 2  %
info
Minimum Spend For Installment
S$ 100
info
Installment Tenure
Up to 24  months
Installment Rate
0  %

Offer Available

Welcome Offer
S$150 cashback
S$150 cashback

Valid until

30 April 2024

Things to consider for this product:

check

Retail rebate

check

Retail discount

check

Voucher redeemable

check

No rebate cap

DBS Takashimaya Visa Card

DBS Takashimaya Visa Card

Installment Processing Fee
From 2  %
info
Minimum Spend For Installment
S$ 100
info
Installment Tenure
Up to 24  months
Installment Rate
0  %

Things to consider for this product:

check

Retail rebate

check

Retail discount

check

Voucher redeemable

check

No rebate cap

DBS SAFRA Card

DBS SAFRA Card

Installment Processing Fee
From 2  %
info
Minimum Spend For Installment
S$ 100
info
Installment Tenure
Up to 24  months
Installment Rate
0  %

Things to consider for this product:

check

Mobile contactless rebate

check

Online shopping rebate

remove

Monthly spend required

remove

Rebate cap applied

OCBC 365 Credit Card

OCBC 365 Credit Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 100
Installment Tenure
Up to 12  months
Installment Rate
0  %

Things to consider for this product:

check

Petrol rebate

check

Dining rebate

check

Gift: Apple product

remove

Monthly spend required

OCBC Rewards Credit Card

OCBC Rewards Credit Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 100
Installment Tenure
Up to 12  months
Installment Rate
0  %

Things to consider for this product:

check

Retail rebate

check

Online shopping rebate

check

Gift: Apple product

check

No monthly spend required

OCBC 90°N Mastercard

OCBC 90°N Mastercard

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 100
Installment Tenure
Up to 12  months
Installment Rate
0  %

Things to consider for this product:

check

No expiry air miles

check

Unlimited air miles

check

Gift: Apple product

check

No monthly spend required

OCBC 90°N Visa Card

OCBC 90°N Visa Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 100
Installment Tenure
Up to 12  months
Installment Rate
0  %

Things to consider for this product:

check

Unlimited air miles

check

No expiry air miles

check

Bonus air miles

check

Gift: Apple product

Maybank Visa Infinite Card

Maybank Visa Infinite Card

Installment Processing Fee
From 0  %
info
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 24  months
Installment Rate
0  %

Things to consider for this product:

check

Airport lounge

check

No expiry air miles

check

Airport transfer

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Annual Fee required

Maybank eVibes Card - The Student Card

Maybank eVibes Card - The Student Card

Installment Processing Fee
From 0  %
info
Minimum Spend For Installment
S$ 300
Installment Tenure
Up to 24  months
Installment Rate
0  %

Things to consider for this product:

check

Local spending rebate

check

No rebate cap

check

No monthly spend required

check

Student card

UOB Lady's Solitaire Card

UOB Lady's Solitaire Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24  months
Installment Rate
0  %

Offer Available

Welcome Offer
S$350 cash credit
S$350 cash credit

Valid until

31 March 2024

Things to consider for this product:

check

Local spending rebate

check

Installment

check

No monthly spend required

remove

Rebate cap applied

UOB Visa Infinite Metal Card

UOB Visa Infinite Metal Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24  months
Installment Rate
0  %

Things to consider for this product:

check

Airport lounge

check

Bonus air miles

check

Overseas rebate

remove

Annual Fee required

UOB Professionals Platinum Card

UOB Professionals Platinum Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 12  months
Installment Rate
0  %

Things to consider for this product:

check

Dining savings

check

Petrol savings

check

Annual Fee waiver

check

Retail rebate

UOB UnionPay Platinum Card

UOB UnionPay Platinum Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 12  months
Installment Rate
0  %

Things to consider for this product:

check

Local spending rebate

check

No monthly spend required

check

Petrol savings

remove

Rebate cap applied

UOB Visa Signature Card

UOB Visa Signature Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 12  months
Installment Rate
0  %

Things to consider for this product:

check

Petrol rebate

check

Overseas rebate

check

Mobile contactless rebate

remove

Rebate cap applied

UOB Preferred Platinum Visa Card

UOB Preferred Platinum Visa Card

Installment Processing Fee
From 3  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 12  months
Installment Rate
0  %

Things to consider for this product:

check

Online shopping rebate

check

Mobile contactless rebate

check

Installment

remove

Rebate cap applied

HSBC Visa Infinite Credit Card

HSBC Visa Infinite Credit Card

Installment Processing Fee
Up to 5  %
info
Minimum Spend For Installment
S$ 500
Installment Tenure
Up to 24  months
Installment Rate
0  %

Things to consider for this product:

check

Bonus air miles

check

Airport lounge

check

Travel insurance

remove

Annual Fee required

See All Prizes
 
Frame 1658
8x Apple iPad
(each worth $679)
Frame 1659
8x Dyson AirwrapTM styler
(each worth $849)
Frame 1660
8x Nintendo Switch OLED
(each worth $549)
Frame 1661
8x Playstation®5 consoles
(each worth $799)

 

See All Prizes
 
Frame 1658
8x Apple iPad
(each worth $679)
Frame 1659
8x Dyson AirwrapTM styler
(each worth $849)
Frame 1660
8x Nintendo Switch OLED
(each worth $549)
Frame 1661
8x Playstation®5 consoles
(each worth $799)

 

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.
 

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Who should use a credit card with 0% instalment?

Credit cards with 0% instalment plans are ideal for these individuals:

 

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How to best use a credit card with 0% Instalment?

To make the most of a travel credit card and maximise its benefits, consider the following tips:

 

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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.

 

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Best credit cards with zero processing fee

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. 

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Best credit cards with long tenure

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.

 

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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.

 

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Frequently Asked Questions

What is a credit card instalment plan?

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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?

expand_more

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?

expand_more

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.