All 0% Interest Rate Installment Cards 0 Processing Fee Long Tenure Installment

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Best 0% Interest Credit Cards in Singapore 2023

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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All 0% Interest Rate Installment Cards 0 Processing Fee Long Tenure Installment

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.

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

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

SingSaver Exclusive Flash Deal

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

Valid until 01 October 2023

Dyson Supersonic™ hair dryer (worth S$699)

Welcome Offer

Dyson Supersonic™ hair dryer (worth S$699)

+ 2 other gift options

Valid until 01 October 2023

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

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 %

Offer Available

2x American Tourister Linex Spinner 66/24 Luggage (worth S$336)

Welcome Offer

2x American Tourister Linex Spinner 66/24 Luggage (worth S$336)

+ 2 other gift options

Valid until 31 October 2023

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

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 %

Offer Available

Welcome Offer

2x American Tourister Linex Spinner 66/24 Luggage (worth S$336)

+ 2 other gift options

Valid until 31 October 2023

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

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 %

Offer Available

Welcome Offer

2x American Tourister Linex Spinner 66/24 Luggage (worth S$336)

+ 2 other gift options

Valid until 31 October 2023

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

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

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 %

Offer Available

Welcome Offer

2x American Tourister Linex Spinner 66/24 Luggage (worth S$336)

+ 2 other gift options

Valid until 31 October 2023

Things to consider for this product:

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Petrol rebate

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Overseas rebate

check

Travel insurance

check

Annual Fee waiver

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 %

2 Offers Available

Welcome Offer

2x American Tourister Linex Spinner 66/24 Luggage (worth S$336)

+ 2 other gift options

Valid until 31 October 2023

SingSaver Exclusive Offer

S$50 Cash via PayNow

Valid until 31 October 2023

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

Maybank Horizon 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 %

Offer Available

Welcome Offer

2x American Tourister Linex Spinner 66/24 Luggage (worth S$336)

+ 2 other gift options

Valid until 31 October 2023

Things to consider for this product:

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Dining rebate

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Petrol rebate

check

Public transportation

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Rebate cap applied

Standard Chartered Rewards+ Credit Card

Installment Processing Fee

Up to 0.10 %

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Up to 1% depending on tenure.

Minimum Spend for Installment

S$ 500

Installment Tenure

Up to 12 months

Installment Rate

0 %

2 Offers Available

SingSaver Exclusive Flash Deal

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

Valid until 01 October 2023

Welcome Offer

Dyson Supersonic™ hair dryer (worth S$699)

+ 2 other gift options

Valid until 01 October 2023

Things to consider for this product:

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Overseas rebate

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No monthly spend required

check

Travel insurance

remove

Rebate cap applied

Standard Chartered Visa Infinite Credit Card

Installment Processing Fee

From 0.10 %

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Up to 1% 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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Airport lounge

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Travel insurance

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Bonus air miles

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Monthly spend required

Standard Chartered Simply Cash Credit Card

Installment Processing Fee

From 0.10 %

info

Up to 1% depending on tenure

Minimum Spend For Installment

S$ 500

Installment Tenure

Up to 12 months

Installment Rate

0 %

5 Offers Available

SingSaver Exclusive Flash Deal

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

Valid until 01 October 2023

SingSaver Exclusive Offer

S$400 SUPER Upsized Cash via PayNow

Valid until 01 October 2023

SingSaver Exclusive Offer

Dyson Supersonic™ hair dryer (worth S$699)

Valid until 01 October 2023

SingSaver Exclusive Offer

Nintendo Switch OLED (worth S$549)

Valid until 01 October 2023

Apple Bundle: AirPods Pro Gen 2 + MagSafe Charger (worth S$421.35)

SingSaver Exclusive Offer

Apple Bundle: AirPods Pro Gen 2 + MagSafe Charger (worth S$421.35)

Valid until 01 October 2023

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

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

S$400 SUPER Upsized Cash via PayNow

Dyson Supersonic™ hair dryer (worth S$699)

Nintendo Switch OLED (worth S$549)

Apple Bundle: AirPods Pro Gen 2 + MagSafe Charger (worth S$421.35)

Standard Chartered Journey Credit Card

Installment Processing Fee

From 0.10 %

info

Up to 1% depending on tenure.

Minimum Spend For Installment

S$ 500

Installment Tenure

Up to 12 months

Installment Rate

0 %

3 Offers Available

SingSaver Exclusive Flash Deal

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

Valid until 01 October 2023

SingSaver Exclusive Offer

Dyson Supersonic™ hair dryer (worth S$699)

+ 1 other gift options

Valid until 30 September 2023

Welcome Offer

45,000 miles

Valid until 30 September 2023

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.

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

Dyson Supersonic™ hair dryer (worth S$699)
S$120 SUPER Upsized Cash via PayNow

45,000 miles

Citi Rewards Card

Installment Processing Fee

From 0.50 %

info

Up to 5% depending on tenure.

Minimum Spend For Installment

S$ 250

Installment Tenure

Up to 36 months

Installment Rate

0 %

Offer Available

SingSaver Exclusive Offer

Dyson Supersonic™ hair dryer (worth S$699)

+ 3 other gift options

Valid until 01 October 2023

Things to consider for this product:

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Bonus air miles

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Travel insurance

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Annual Fee waiver

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High-value gift

10X rewards points (4 miles per S$1) on online spending except travel and mobile wallet-related transactions.
Online category includes online shopping, taxi/ride-hailing apps, food delivery, online groceries and more.
Pair with amaze card to turn offline transactions into online transactions.
10X rewards points (4 miles per S$1) on offline fashion shopping and department stores.
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
1X reward point for every S$1 on all other spending.
No min. spend required.
Rewards points conversion rates: 4,400 points = S$10 cash rebate, 25,000 points = 10,000 miles.
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.

Citi PremierMiles Card

Installment Processing Fee

From 0.50 %

info

Up to 5% depending on tenure.

Minimum Spend For Installment

S$ 250

Installment Tenure

Up to 36 months

Installment Rate

0 %

4 Offers Available

SingSaver Exclusive Offer

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$503.65)

Valid until 01 October 2023

SingSaver Exclusive Offer

Dyson Supersonic™ hair dryer (worth S$699)

Valid until 01 October 2023

SingSaver Exclusive Offer

Dyson V8 Slim Fluffy (worth S$509)

Valid until 01 October 2023

SingSaver Exclusive Offer

S$300 cash via PayNow

Valid until 01 October 2023

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.
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.

Citi Cash Back+ Card

Installment Processing Fee

From 0.50 %

info

Up to 5% depend on tenure.

Minimum Spend For Installment

S$ 250

Installment Tenure

Up to 36 months

Installment Rate

0 %

Offer Available

SingSaver Exclusive Offer

Dyson Supersonic™ hair dryer (worth S$699)

+ 3 other gift options

Valid until 01 October 2023

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

check

High-value gift

Citi Cash Back Card

Installment Processing Fee

From 0.50 %

info

Up to 5% depending on tenure.

Minimum Spend For Installment

S$ 250

Installment Tenure

Up to 36 months

Installment Rate

0 %

Offer Available

SingSaver Exclusive Offer

Dyson Supersonic™ hair dryer (worth S$699)

+ 3 other gift options

Valid until 01 October 2023

Things to consider for this product:

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Dining rebate

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Supermarket rebate

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High-value gift

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Rebate cap applied

DBS Esso 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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Petrol savings

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Annual Fee required

DBS Live Fresh Student 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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Local spending rebate

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No income required

remove

Rebate cap applied

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$250 cashback

Valid until 30 September 2023

Things to consider for this product:

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Supermarket rebate

check

Dining rebate

remove

Rebate cap applied

remove

Monthly spend required

Installment Type

Best 0% Interest Credit Cards in Singapore 2023

Maybank Visa Infinite Card

Things to consider for this product:

Quick Facts

Standard Chartered Smart Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

Maybank Platinum Visa Card

Offer Available

Things to consider for this product:

Quick Facts

Maybank World MasterCard

Offer Available

Things to consider for this product:

Quick Facts

Maybank FC Barcelona Visa Signature Card

Offer Available

Things to consider for this product:

Quick Facts

Maybank eVibes Card - The Student Card

Things to consider for this product:

Quick Facts

Maybank DUO Platinum MasterCard

Offer Available

Things to consider for this product:

Quick Facts

Maybank Manchester United Platinum Visa Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

Maybank Horizon Visa Signature Card

Offer Available

Things to consider for this product:

Quick Facts

Standard Chartered Rewards+ Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

Standard Chartered Visa Infinite Credit Card

Things to consider for this product:

Quick Facts

Standard Chartered Simply Cash Credit Card

5 Offers Available

Things to consider for this product:

Quick Facts

Standard Chartered Journey Credit Card

3 Offers Available

Things to consider for this product:

Quick Facts

Citi Rewards Card

Offer Available

Things to consider for this product:

Quick Facts

Citi PremierMiles Card

4 Offers Available

Things to consider for this product:

Quick Facts

Citi Cash Back+ Card

Offer Available

Things to consider for this product:

Quick Facts

Citi Cash Back Card

Offer Available

Things to consider for this product:

Quick Facts

DBS Esso Card

Things to consider for this product:

Quick Facts

DBS Live Fresh Student Card

Things to consider for this product:

Quick Facts

DBS yuu Visa Card

Offer Available

Things to consider for this product:

Quick Facts

DBS Vantage Visa Infinite Card