Best 0% APR Credit Cards of March 2025

• Minimum spend for 0% interest: S$500

• 0% interest tenure: Up to 12 months

• Processing fee: 3% of the transaction amount

Card details

• Earn 1.7% cashback on all purchases, with no minimum spend and no cashback cap.

• Earn 0.3% cashback on local transactions commonly excluded from rewards, such as charity, education, healthcare, professional services, utilities, and Grab wallet top-ups.

• Cashback earned in the current statement period is automatically used to offset the following month's bill.

• First-year annual fee waiver.

• Subsequent annual fee of S$196.20.

• Mobile contactless payment methods are not supported.

SingSaver’s take

The UOB Absolute Cashback Card stands out for its straightforward and generous cashback offering. With a flat 1.7% cashback on almost all spending, including traditionally excluded categories like insurance and education (at a slightly lower rate of 0.3%), it eliminates the need to track spending categories or minimum amounts. The automatic cashback crediting mechanism simplifies the redemption process. However, the lack of mobile contactless payment support might be a drawback for some users.

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• Minimum spend for 0% interest: S$50

• 0% interest tenure: Up to 36 months

• Processing fee: 2%

Card details

• Up to 36 months of 0% interest with a minimum spend of S$50.

• 2% processing fee.

• 1.2 miles per S$1 spent locally.

• 2.2 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 (coverage ends 31 March 2026).

• 11 different airline and hotel transfer partners.

SingSaver’s take

Citi PremierMiles Card also offers a 0% interest option for up to 36 months with a minimum spend of S$50. This can be useful for managing larger purchases or consolidating debt while still enjoying the card's extensive travel perks. The 2% processing fee is standard, and the card's flexibility with miles and travel benefits makes it a well-rounded option.

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• Minimum spend for 0% interest: S$500

• 0% interest tenure: Up to 12 months

• Processing fee: 3%

Card details

• Up to 12 months of 0% interest with a minimum spend of S$500.

• 3% processing fee.

• Earn up to 10 miles per dollar on your chosen rewards category from seven options.

• Additional miles when paired with UOB Lady's Savings Account.

• Complimentary e-commerce protection.

• UOB$ rebates on daily essentials, entertainment, and shopping.

• Choose and change rewards category quarterly.

SingSaver’s take

The UOB Lady’s Card, known for its flexible rewards on lifestyle categories, also offers a 0% interest option for up to 12 months with a minimum spend of S$500. While primarily designed for earning miles on selected spending, the 0% interest feature provides financial flexibility. The 3% processing fee is hefty, but the card's ability to maximise miles earnings through category selection makes it a versatile option.

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• Minimum spend for 0% interest: S$100

• 0% interest tenure: Up to 12 months

• Processing fee: 3% to 5%

Card details

• Up to 12 months of 0% interest with a minimum spend of S$100.

• Processing fee of 3% to 5%.

• 6% cashback on fuel spent at all 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 to 22.92% fuel savings at Caltex.

• 2-year annual fee waiver.

SingSaver’s take

The OCBC 365 Credit Card offers a valuable 0% interest option for up to 12 months with a low minimum spend of S$100, providing excellent financial flexibility. This, combined with its robust cashback rewards on everyday spending like dining, petrol, and groceries, makes it a highly attractive card. The processing fee however, is relatively high, although the card's versatility ensures you're rewarded for both managing your finances and your daily expenses.

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• Minimum spend for 0% interest: S$100

• 0% interest tenure: Up to 24 months

• Processing fee: 2% to 6%

Card details

• Up to 24 months of 0% interest with a minimum spend of S$100.

• Processing fee of 2% to 6%.

• 10% cash rebates on food delivery.

• 3% cash rebate on dining spend.

• 8% cash rebates on online shopping.

• 5% cash rebates at Sheng Siong supermarkets.

• Up to 3% cash rebates on utilities and telecommunication payments.

• 6% cash rebates at SPC.

• 0.3% cash rebates on all other transactions.

• Cash rebates never expire.

SingSaver’s take

The POSB Everyday Card offers a compelling 0% interest period of up to 24 months with a low minimum spend of S$100, providing significant flexibility for managing expenses. This feature is paired with strong cashback rewards on essential categories like food delivery, online shopping, and groceries, making it a valuable everyday card. The extended 0% interest tenure and diverse cashback benefits make this card an attractive option for Singaporeans seeking both financial flexibility and ongoing rewards.

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• Minimum spend for 0% interest: S$150

• 0% interest tenure: Up to 12 months

• Processing fee: 1% of the transaction amount

Card details

• Up to 12 months 0% interest with a minimum spend of S$100.

• Processing fee of 1% of the transaction amount for balance transfers.

• 1.5% cashback on all spending, with no minimum spend and no cashback cap.

• Access to offers and privileges for online, dining, retail, and more through The Good Life®.

• First-year annual fee waiver.

• Not applicable for EZ-Reload transactions.

SingSaver’s take

The Standard Chartered Simply Cash Credit Card stands out with its exceptionally low 1% processing fee for 0% interest tenures up to 12 months, coupled with a manageable minimum spend of S$150. This makes it an incredibly attractive option for those seeking cost-effective financial management. Beyond the 0% interest feature, the card's straightforward 1.5% cashback on all spending further enhances its appeal.

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SingSaver's editorial team selects the best 0% APR credit cards based on the overall consumer value. The Seedly rating is from 1 to 5 stars from 1.0 at the bottom to 5.0 at the top.

How Seedly ratings are set

Seedly uses a unique rating system developed by our expert team. Each credit card is evaluated using a formula specifically designed to assess its core strengths and value proposition. This ensures that the ratings accurately reflect what each card excels at.

Why Seedly ratings are used

Our star ratings provide a clear and concise overview of each credit card's offerings. This makes it easier for you to compare different cards at a glance and identify the best credit cards with 0% APR that best align with your financial needs and priorities. Ultimately, applying for an interest-free credit card that best suits your spending habits and financial goals is key.

What the ratings mean

It's important to remember that a five-star rating doesn't mean a card is "perfect" for everyone.  Every individual has unique requirements and spending habits. A 5.0 rating signifies a best-in-class card that offers exceptional value to a broad range of users in Singapore. However, depending on your specific circumstances, a card with a 4.0 or even a 3.5 rating might be the perfect fit for you.

Since this page features a mix of 0% cards and rewards cards, you might be comparing cards rated using different formulas. Even so, each card represents a strong choice for financing a large purchase without interest. For many, the cashback or rewards points earned with a 15-month introductory period outweigh the benefits of a few extra months at 0% APR. Ultimately, the best choice depends on your individual needs and preferences.

Other factors

Our rating system also considers factors beyond the introductory APR period, best interest-free credit card offers, and rewards rates. We take into account the issuer's customer service reputation and the card's eligibility requirements. Our team might also adjust ratings based on unique features or the absence of features that should be standard for a particular card type

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When it comes to navigating the world of personal finance, Reddit's r/CreditCards is a treasure trove of information and opinions. Seasoned users of this subreddit know that requests for credit card recommendations are a dime a dozen. It's worth noting that most of the discussions are US-centric, so finding Singapore-specific information might require some digging. Nevertheless, the subreddit can help readers learn more about the intricacies of credit cards and strategies for managing credit responsibly.

While questions about rewards credit cards often dominate the discussion, queries about the "best 0% card" or "best interest-free credit card" are less frequent. This is because 0% APR cards are fairly straightforward. The key differences lie in the length of the introductory period and the balance transfer fee (if applicable). Beyond that, most 0% cards function similarly.

A search for "best 0% APR card" on r/CreditCards reveals numerous discussions covering various angles, such as the best options for large purchases, balance transfers, or business use. In one such thread, a user succinctly summarises the choices, highlighting the trade-off between longer 0% periods and cards with rewards:

"Assuming you have good credit, you have two broad options:

1. A 12-15 month 0% APR card that’ll have decent rewards & be useful after you’re finished paying down the BT balance.

2. An 18-21 month 0% APR card that’ll have basically no rewards and be pretty useless once you’re done, apart from potentially product changing it."

• Reddit user Tight_Couture344

Perhaps the most engaging discussion on this topic isn't about specific card recommendations at all. Instead, it revolves around the idea that almost any credit card can be an interest-free credit card if you consistently pay your statement balance in full each month. This practice utilises the grace period, preventing interest from accruing and effectively rendering the ongoing APR irrelevant.

Of course, this requires disciplined financial management. However, for those who can but sometimes choose not to pay in full to preserve cash, carrying debt month to month is essentially wasting money. Several users offer insightful perspectives on this, highlighting the potential benefits of using credit cards responsibly to earn rewards:

• "A 0% credit card does not excuse you from making monthly payments, but it can save you from interest charges when they would normally be added to your bill. Specifically, a 0% card won’t charge you interest on purchases, balance transfers or both (depending on the offer) if you don’t pay your full statement balance by the due date. But if you fail to pay at least the minimum amount required by the due date each month, you could lose your 0% intro rate and hurt your credit score." - Reddit user JKCreditCards.

• "Treat a credit card bill like any utility bill. You wouldn't pay off 1% of your electricity bill every month, so don't do it with a credit card," -  Reddit user Ranzar.

• "If anything it might impact your credit rating positively. They (your bank) count on you not being able to repay on time or being tempted to go into more debt. If you have good self control and are good at managing your finances it's a good tool," -  Reddit user orcocan79.

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The SingSaver team has reviewed hundreds of 0% APR credit cards and these are the top visited review pages that readers find helpful:

1. Standard Chartered Simply Cash Credit Card

2. Citi PremierMiles Card

3. UOB Lady’s Card

4. OCBC 365 Credit Card

5. POSB Everyday Card

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