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

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Best 0% Processing Fee Credit Cards in Singapore 2024

Credit cards with 0% processing fee are one of the most underrated credit cards you can get – especially if you prefer to Buy-Now-Pay-Later (BNPL) or have an upcoming big-ticket purchase you’d like to pay in instalments. These credit cards feature favourable 0% instalment plans with 0% processing fee, making them an attractive option for managing substantial transactions without causing immediate financial strain.

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

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Annual fee waiver

American Express

CIMB Bank

DBS

Maybank

Standard Chartered

UOB

UOB Visa Infinite Metal Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 120,000

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

Standard Chartered Smart Credit Card

Installment Rate

0 %

Installment Tenure

3 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 30,000

info

Singaporeans and PRs: S$30,000. Foreigners: S$90,000.

Offer Available

SingSaver Exclusive Offer

Shokz OpenDots ONE Wireless Earbuds (worth S$269)

Valid until

30 September 2025

SingSaver Exclusive Offer

S$250 Grab Vouchers

Valid until

30 September 2025

SingSaver Exclusive Offer

S$230 Cash via PayNow

Valid until

30 September 2025

Things to consider for this product:

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Flexible redemption options for miles, cashback or shopping vouchers

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Streaming, dining and commuting

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Interest-free Installments with SC Easy Pay

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No Annual Fee

UOB PRVI Miles Visa Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 30,000

Offer Available

SingSaver Flash Deal

Stryv Airflex 2.0 (worth S$369)

Valid until

30 September 2025

SingSaver Flash Deal

S$60 Cash via PayNow

Valid until

30 September 2025

SingSaver Flash Deal

S$70 Shopee Voucher

Valid until

30 September 2025

Things to consider for this product:

check

Bonus air miles

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Unlimited air miles

check

Travel insurance

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No monthly spend required

Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
4 complimentary lounge visits per calendar year for principal cardmembers.
Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account.
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Choice to redeem for miles, cashback, or vouchers.
No minimum spend and no cap on earned miles
Annual fee of S$261.60
Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

Maybank World Mastercard

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 300

Minimum Annual Income

S$ 80,000

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

KrisFlyer UOB Credit Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 30,000

Things to consider for this product:

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KrisFlyer miles

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Unlimited miles

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1st year annual fee waiver

UOB Visa Signature Card

Installment Rate

0 %

Installment Tenure

Up to 12 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 50,000

Things to consider for this product:

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Petrol rebate

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Overseas rebate

check

Mobile contactless rebate

remove

Rebate cap applied

UOB Lady's Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 500

Min. Annual Income

S$ 30,000

Offer Available

SingSaver Flash Deal

Stryv Airflex 2.0 (worth S$369)

Valid until

30 September 2025

SingSaver Flash Deal

S$60 Cash via PayNow

Valid until

30 September 2025

SingSaver Flash Deal

S$70 Shopee Voucher

Valid until

30 September 2025

Things to consider for this product:

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Local & Overseas spending rewards

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Installment

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No monthly spend required

remove

Monthly rewards cap applies.

Maybank DUO Platinum Mastercard

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 300

Minimum Annual Income

S$ 30,000

Things to consider for this product:

check

Petrol rebate

check

Overseas rebate

check

Travel insurance

check

Annual Fee waiver

UOB PRVI Miles World MasterCard

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 30,000

Offer Available

SingSaver Flash Deal

Stryv Airflex 2.0 (worth S$369)

Valid until

30 September 2025

SingSaver Flash Deal

S$60 Cash via PayNow

Valid until

30 September 2025

SingSaver Flash Deal

S$70 Shopee Voucher

Valid until

30 September 2025

Things to consider for this product:

check

Bonus air miles

check

Unlimited air miles

check

Travel insurance

check

No monthly spend required

Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
4 complimentary lounge visits per calendar year for principal cardmembers.
Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account.
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Choice to redeem for miles, cashback, or vouchers.
No minimum spend and no cap on earned miles
Annual fee of S$261.60
Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

UOB Preferred Platinum Visa Card

Installment Rate

0 %

Installment Tenure

Up to 12 months

Minimum Spend For Installment

S$ 500

Min. Annual Income

S$ 30,000

Things to consider for this product:

check

Online shopping bonus reward

check

Mobile contactless bonus reward

check

Installment

remove

Bonus reward cap applied

Maybank Manchester United Platinum Visa Credit Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 300

Minimum Annual Income

S$ 30,000

info

S$30,000 (Singaporean & PR) S$45,000 (Malaysian Citizen) S$60,000 (Foreigner).

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

check

Travel insurance

Winner - Travel Credit Card of the Year by The Digital Banker Winner - Best Travel Credit Card by TripZilla

Maybank Horizon Visa Signature Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 300

Minimum Annual Income

S$ 30,000

info

S$30,000 (Singaporean & PR) S$45,000 (Malaysian Citizen) S$60,000 (Foreigner).

Things to consider for this product:

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Overseas/Foreign spend

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Air tickets

check

Dining

remove

Rebate cap applied

(Dobin Exclusive) Standard Chartered Smart Credit Card

Installment Rate

0 %

Installment Tenure

3 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 30,000

Offer Available

Dobin Exclusive Offer

1,800 Dobin$

Valid until

30 September 2025

Things to consider for this product:

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Bonus air miles

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Public transportation

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Installment

check

No Annual Fee

UOB Professionals Platinum Card

Installment Rate

0 %

Installment Tenure

Up to 12 months

Minimum Spend For Installment

S$ 500

Min. Annual Income

S$ 30,000

Things to consider for this product:

check

Dining savings

check

Petrol savings

check

Annual Fee waiver

check

Retail rebate

UOB UnionPay Platinum Card

Installment Rate

0 %

Installment Tenure

Up to 12 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 40,000

Things to consider for this product:

check

Local spending rebate

check

No monthly spend required

check

Petrol savings

remove

Rebate cap applied

Maybank Visa Infinite Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 300

Min. Annual Income

S$ 150,000

Things to consider for this product:

check

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.

DBS Live Fresh Student Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 100

info

Maximum combined of 10 transactions only.

Minimum Annual Income

None

Things to consider for this product:

check

Mobile contactless rebate

check

Local spending rebate

check

No income required

remove

Rebate cap applied

American Express Platinum Card

Installment Rate

0 %

info

At participating Pay Small Merchants.

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 250

info

May differ with each participating merchant.

Minimum Annual Income

Conditional

info

Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

2 Offers Available

Welcome Offer (New-to-AMEX Card Members)

90,000 Membership Rewards® points

Valid until

30 September 2025

Welcome Offer (Existing AMEX Card Members)

48,750 Membership Rewards® points

Valid until

30 September 2025

Things to consider for this product:

check

Bonus air miles

check

Dining savings

check

Airport lounge

remove

Annual Fee required

Receive more than S$1,000 in travel, dining and lifestyle statement 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.
Complimentary Access into Tower Club.
Membership Rewards Points never expire.
Up to 50% savings at premium dining locations with Love Dining.
Enjoy up to S$400 every year to use at over 2,000 curated restaurants locally and around the world.
Annual fee: S$1,744 (inclusive of GST).
Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.

Gift Options

90,000 Membership Rewards® points

Gift Options

48,750 Membership Rewards® points

UOB PRVI Miles American Express Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 30,000

Offer Available

SingSaver Flash Deal

Stryv Airflex 2.0 (worth S$369)

Valid until

30 September 2025

SingSaver Flash Deal

S$60 Cash via PayNow

Valid until

30 September 2025

SingSaver Flash Deal

S$70 Shopee Voucher

Valid until

30 September 2025

Things to consider for this product:

check

Bonus air miles

check

Unlimited air miles

check

Travel insurance

check

No monthly spend required

Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
4 complimentary lounge visits per calendar year for principal cardmembers.
Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
PRVI Miles Amex Exclusive: 20,000 loyalty miles with min. S$50,000 annual spend
PRVI Miles Amex Exclusive: Up to 8 complimentary airport transfers annually with min. S$1,000 overseas spend per quarter
Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Choice to redeem for miles, cashback, or vouchers.
No minimum spend and no cap on earned miles
2 year points expiry.
Annual fee of S$261.60
Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

American Express Platinum Credit Card

Installment Rate

0 %

info

At participating Pay Small Merchants.

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 250

info

May differ with each participating merchant.

Minimum Annual Income

Conditional

info

Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

Offer Available

Welcome Offer

25,000 Membership Rewards® points

Valid until

30 September 2025

Things to consider for this product:

check

Unlimited air miles

check

Dining savings

remove

Annual Fee required

UOB Lady's Solitaire Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 500

Min. Annual Income

S$ 120,000

Things to consider for this product:

check

Local spending rebate

check

Installment

check

No monthly spend required

remove

Rebate cap applied

Maybank FC Barcelona Visa Signature Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 300

Minimum Annual Income

S$ 30,000

Things to consider for this product:

check

Annual Fee waiver

check

No monthly spend required

check

No rebate cap

check

Overseas rebate

CIMB Visa Infinite Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 300

info

For 6 and 12-months tenures. S$1,000 for 24-month tenures.

Minimum Annual Income

S$ 120,000

2 Offers Available

SingSaver Exclusive Offer

S$50 Cash via PayNow

Valid until

30 September 2025

Welcome Offer

Up to S$188 Cashback

Valid until

30 September 2025

Things to consider for this product:

check

No rebate cap

check

Airport lounge

check

Travel insurance

check

Annual Fee waiver

UOB Absolute Cashback Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 30,000

2 Offers Available

SingSaver Flash Deal

Stryv Airflex 2.0 (worth S$369)

Valid until

30 September 2025

SingSaver Flash Deal

S$60 Cash via PayNow

Valid until

30 September 2025

SingSaver Flash Deal

S$70 Shopee Voucher

Valid until

30 September 2025

Welcome Offer

10% Cashback

Valid until

30 September 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Insurance rebate

check

Local spending rebate

Gift Options

Stryv Airflex 2.0 (worth S$369); or
S$60 Cash via PayNow; or
S$70 Shopee Voucher

Gift Options

10% Cashback

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Installment Rate

0 %

info

At participating Pay Small Merchants.

Installment Tenure

Up to 24 months

Minimum Spend for Installment

S$ 250

info

May differ with each participating merchant.

Minimum Annual Income

Conditional

info

Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

Offer Available

Welcome Offer

17,000 KrisFlyer miles

Valid until

30 September 2025

Things to consider for this product:

check

Unlimited air miles

check

Travel insurance

remove

Annual Fee required

Spend S$15,000 or more on eligible Singapore Airlines and Scoot flight bookings within the first 12 months upon Card approval to be automatically upgraded to the KrisFlyer Elite Gold membership tier. T&Cs apply.
Get a complimentary night stay at participating Hilton properties each year.
Receive a Foreign Spend Miles Redemption Voucher for 18,000 KrisFlyer miles when you spend the equivalent of S$10,000 or more in foreign currency within the qualifying period.
Receive a Renewal Miles Redemption Voucher for 10,000 KrisFlyer miles after American Express receives payment of the renewal annual membership fee each year.
Earn 2 KrisFlyer miles for every S$1 spent on eligible Singapore Airlines and Scoot flight bookings, and KrisShop purchases, with no cap.
Earn up to 2 KrisFlyer miles for every S$1 spent on eligible Grab Singapore transactions, up to S$200 spend in each calendar month.
Earn 1.2 KrisFlyer miles for every S$1 spent on all other eligible purchases, with no cap.
Hassle-free conversion with no transfer fee
Read our full review of the American Express Singapore Airlines KrisFlyer Ascend Credit Card.
Annual fee: S$397.85 (inclusive of GST) must be paid to enjoy welcome offers.
Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.

UOB EVOL Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 30,000

Offer Available

Welcome Offer

Limited-Edition The Paper Bunny Multi-Way Tote Bag

Valid until

31 October 2025

Things to consider for this product:

check

Online shopping rebate

check

Mobile contactless rebate

check

No FX fees

check

Overseas in-store FX spend rebate

remove

Monthly spend required

Enjoy no FX fees on overseas foreign currency spend with no min. spend.
Enjoy 10% cashback on Local Online and Mobile Contactless (Apple Pay, Samsung Pay, google Pay) Spend
10% on Selected Gym, Telco and Streaming Spend
Get 1% cashback on all Overseas Foreign Currency Spend. Valid till 31 Dec 2025.
All other spends earn 0.3% cashback.
Gain access to over 1,000 deals at eco-friendly, dining, and online shopping merchants.
Receive a first-year annual fee waiver. Annual fee for subsequent years waived with min. 3 transactions every month.
Get greater savings with up to 5.3% p.a. interest with UOB One Account+.
Minimum spend of S$800 each statement month to enjoy accelerated cashback earn rate.
S$80 total cashback cap per statement month (S$30 cap for local online and mobile spend; S$20 cap for selected gym, telco and streaming spend; and S$30 cap for all other spend. Plus, additional $20 cap on the 1% cashback on all Overseas Foreign Currency Spend till 31 Dec 2025.

American Express Singapore Airlines Business Credit Card

Installment Rate

0 %

info

At participating Pay Small Merchants.

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 250

info

May differ with each participating merchant.

Minimum Annual Income

Conditional

info

Card application is subject to customers meeting the regulatory minimum income requirement and internal assessment.

Offer Available

Welcome Offer

Get up to 54,000 HighFlyer points

Valid until

30 September 2025

Things to consider for this product:

check

Bonus air miles

check

Airport lounge

check

Air ticket rebate

remove

Rebate cap applied

Earn up to 8 HighFlyer points per S$1 spent on eligible Singapore Airlines and Scoot flights (worth 8 KrisFlyer miles).
Earn 1.2 HighFlyer points per S$1 spent on all eligible purchases (worth 1.2 KrisFlyer miles) with no cap.
Convert HighFlyer points to KrisFlyer miles at a 1:1 rate, up to 150,000 KrisFlyer miles (usual: 100,000 KrisFlyer miles) per eligible KrisFlyer account annually with no limit on the number of KrisFlyer accounts linked.
Be the first from your business to spend S$15,000 or more on eligible Singapore Airlines and Scoot flight bookings within the first 12 months of Card Membership to be eligible for an upgrade to the KrisFlyer Elite Gold membership tier. Each business is eligible for this benefit once.
Receive complimentary Accor Plus membership each year with exclusive stay and dining privileges
Redeem KrisFlyer Elite Gold membership tier at 100,000 HighFlyer points (usual: 125,000 HighFlyer points). Subject to the terms and conditions of the Singapore Airlines HighFlyer Programme .
Receive 6,000 HighFlyer points after American Express receives payment of the renewal annual membership fee each year.
If your business is new to Singapore Airlines HighFlyer, your business may receive 10,000 HighFlyer points awarded by Singapore Airlines upon the first flown flight booking by a corporate traveler from your business that is purchased via the Singapore Airlines corporate portal, within the first 12 months of the first Card approval. Each business is eligible for this benefit once.
Please refer to the American Express website for the most up to date information on card benefits and its terms & conditions.

UOB PRVI Miles American Express Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 30,000

2 Offers Available

SingSaver Flash Deal

Apple AirPods Pro 2nd Gen (worth S$349)

Valid until

31 August 2025

SingSaver Flash Deal

Samsonite Straren Spinner 67/24 (worth S$600)

Valid until

31 August 2025

SingSaver Flash Deal

S$300 Cash via PayNow

Valid until

31 August 2025

SingSaver Exclusive Offer

S$60 Cash via PayNow

Valid until

31 August 2025

SingSaver Exclusive Offer

S$70 Grab Voucher

Valid until

31 August 2025

Things to consider for this product:

check

Bonus air miles

check

Unlimited air miles

check

Travel insurance

check

No monthly spend required

Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
4 complimentary lounge visits per calendar year for principal cardmembers.
Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
PRVI Miles Amex Exclusive: 20,000 loyalty miles with min. S$50,000 annual spend
PRVI Miles Amex Exclusive: Up to 8 complimentary airport transfers annually with min. S$1,000 overseas spend per quarter
Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Choice to redeem for miles, cashback, or vouchers.
No minimum spend and no cap on earned miles
2 year points expiry.
Annual fee of S$261.60
Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

Gift Options

Apple AirPods Pro 2nd Gen (worth S$349) ; or
Samsonite Straren Spinner 67/24 (worth S$600); or
S$300 Cash via PayNow

Gift Options

S$60 Cash via PayNow; or
S$70 Grab Voucher

UOB Absolute Cashback Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 30,000

3 Offers Available

SingSaver Flash Deal

Apple AirPods Pro 2nd Gen (worth S$349)

Valid until

31 August 2025

SingSaver Flash Deal

Samsonite Straren Spinner 67/24 (worth S$600)

Valid until

31 August 2025

SingSaver Flash Deal

S$300 Cash via PayNow

Valid until

31 August 2025

SingSaver Exclusive Offer

S$60 Cash via PayNow

Valid until

31 August 2025

SingSaver Exclusive Offer

S$70 Grab Voucher

Valid until

31 August 2025

Welcome Offer

10% Cashback

Valid until

31 August 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Insurance rebate

check

Local spending rebate

Gift Options

Apple AirPods Pro 2nd Gen (worth S$349) ; or
Samsonite Straren Spinner 67/24 (worth S$600); or
S$300 Cash via PayNow

Gift Options

S$60 Cash via PayNow; or
S$70 Grab Voucher

Gift Options

10% Cashback

UOB EVOL Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 30,000

Offer Available

Welcome Offer

S$350 Cash Credit

Valid until

31 August 2025

Things to consider for this product:

check

Online shopping rebate

check

Mobile contactless rebate

check

No FX fees

check

Overseas in-store FX spend rebate

remove

Monthly spend required

Enjoy no FX fees on overseas foreign currency spend with no min. spend.
Enjoy 10% cashback on Local Online and Mobile Contactless (Apple Pay, Samsung Pay, google Pay) Spend
10% on Selected Gym, Telco and Streaming Spend
Get 1% cashback on all Overseas Foreign Currency Spend. Valid till 31 Dec 2025.
All other spends earn 0.3% cashback.
Gain access to over 1,000 deals at eco-friendly, dining, and online shopping merchants.
Receive a first-year annual fee waiver. Annual fee for subsequent years waived with min. 3 transactions every month.
Get greater savings with up to 5.3% p.a. interest with UOB One Account+.
Minimum spend of S$800 each statement month to enjoy accelerated cashback earn rate.
S$80 total cashback cap per statement month (S$30 cap for local online and mobile spend; S$20 cap for selected gym, telco and streaming spend; and S$30 cap for all other spend. Plus, additional $20 cap on the 1% cashback on all Overseas Foreign Currency Spend till 31 Dec 2025.

CIMB Visa Infinite Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 300

info

For 6 and 12-months tenures. S$1,000 for 24-month tenures.

Minimum Annual Income

S$ 120,000

2 Offers Available

SingSaver Exclusive Offer

S$50 Cash via PayNow

Valid until

31 August 2025

Welcome Offer

Up to S$188 Cashback

Valid until

31 August 2025

Things to consider for this product:

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No rebate cap

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Airport lounge

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Travel insurance

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Annual Fee waiver

(Heymax Exclusive) Standard Chartered Smart Credit Card

Installment Rate

0 %

Installment Tenure

3 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 30,000

Offer Available

Heymax Exclusive Offer

8,000 Max Miles

Valid until

01 October 2025

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

UOB PRVI Miles Visa Card

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 30,000

2 Offers Available

SingSaver Flash Deal

Apple AirPods Pro 2nd Gen (worth S$349)

Valid until

31 August 2025

SingSaver Flash Deal

Samsonite Straren Spinner 67/24 (worth S$600)

Valid until

31 August 2025

SingSaver Flash Deal

S$300 Cash via PayNow

Valid until

31 August 2025

SingSaver Exclusive Offer

S$60 Cash via PayNow

Valid until

31 August 2025

SingSaver Exclusive Offer

S$70 Grab Voucher

Valid until

31 August 2025

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 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
4 complimentary lounge visits per calendar year for principal cardmembers.
Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account.
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Choice to redeem for miles, cashback, or vouchers.
No minimum spend and no cap on earned miles
Annual fee of S$261.60
Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

Gift Options

Apple AirPods Pro 2nd Gen (worth S$349) ; or
Samsonite Straren Spinner 67/24 (worth S$600); or
S$300 Cash via PayNow

Gift Options

S$60 Cash via PayNow; or
S$70 Grab Voucher

UOB PRVI Miles World MasterCard

Installment Rate

0 %

Installment Tenure

Up to 24 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 30,000

2 Offers Available

SingSaver Flash Deal

Apple AirPods Pro 2nd Gen (worth S$349)

Valid until

31 August 2025

SingSaver Flash Deal

Samsonite Straren Spinner 67/24 (worth S$600)

Valid until

31 August 2025

SingSaver Flash Deal

S$300 Cash via PayNow

Valid until

31 August 2025

SingSaver Exclusive Offer

S$60 Cash via PayNow

Valid until

31 August 2025

SingSaver Exclusive Offer

S$70 Grab Voucher

Valid until

31 August 2025

Things to consider for this product:

check

Bonus air miles

check

Unlimited air miles

check

Travel insurance

check

No monthly spend required

Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
4 complimentary lounge visits per calendar year for principal cardmembers.
Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account.
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Choice to redeem for miles, cashback, or vouchers.
No minimum spend and no cap on earned miles
Annual fee of S$261.60
Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

Gift Options

Apple AirPods Pro 2nd Gen (worth S$349) ; or
Samsonite Straren Spinner 67/24 (worth S$600); or
S$300 Cash via PayNow

Gift Options

S$60 Cash via PayNow; or
S$70 Grab Voucher

(Fast Track Reward) Standard Chartered Smart Credit Card

Installment Rate

0 %

Installment Tenure

3 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 30,000

info

Singaporeans and PRs: S$30,000. Foreigners: S$90,000.

Things to consider for this product:

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Flexible redemption options for miles, cashback or shopping vouchers

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Streaming, dining and commuting

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Interest-free Installments with SC Easy Pay

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No Annual Fee

(Fast Track Reward) Standard Chartered Smart Credit Card

Installment Rate

0 %

Installment Tenure

3 months

Minimum Spend For Installment

S$ 500

Minimum Annual Income

S$ 30,000

info

Singaporeans and PRs: S$30,000. Foreigners: S$90,000.

Offer Available

SingSaver Fast Track Reward

[Fast Track Eligible] S$200 Shopee Voucher

Valid until

29 August 2025

Things to consider for this product:

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Flexible redemption options for miles, cashback or shopping vouchers

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Streaming, dining and commuting

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Interest-free Installments with SC Easy Pay

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No Annual Fee

Things to look out for when choosing a 0% Processing Fee Credit Card in Singapore

Credit card

- OCBC NXT Card

- Minimum amount: S$100 - S$1,000
- Processing fee: 0%
- Tenure: 3 or 6 months

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How does a 0% Processing Fee Credit Card work?

A credit card with a 0% processing fee means no additional fees are charged on transactions made using the card. Typically, credit card companies charge a small percentage of the transaction amount as a processing fee to cover the cost of processing the payment. However, with a 0% processing fee credit card, this charge is waived, offering cardholders the benefit of saving money on their purchases.

How to best use a 0% Processing Fee Credit Card?

To make the most of a 0 Processing Fee Credit Card, follow these tips for optimal usage:

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Who should use a 0% Processing Fee Credit Card?

A 0% Processing Fee Credit Card is a good fit for several types of individuals such as these:

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Things to look out for when choosing a 0% Processing Fee Credit Card

Balance transfer terms
If the card offers a 0% processing fee on balance transfers, understand any balance transfer fees that may apply and the maximum amount you can transfer.

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Why is there a credit card processing fee?

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A credit card processing fee is charged by credit card companies and payment processors to cover the costs involved in handling credit card transactions, such as interchange fees, network fees, payment processor costs, security measures, and customer support. It helps ensure a smooth and secure payment system for merchants and customers.

How much does it cost to process a credit card transaction?

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The cost to process a credit card transaction varies depending on factors like interchange fees, assessment fees, payment processor charges, card type, transaction volume, and business type. Generally, it can range from around 1.5% to 3.5% or more of the transaction amount. For regular credit cards, these charges typically refer to foreign transaction fees and payment processor fees from card networks Visa, Mastercard, and American Express.

That said, this processing fee imposed on credit cards with 0% instalment plans specifically applies to instalment plans.

Best 0% Processing Fee Credit Cards in Singapore 2024

UOB Visa Infinite Metal Card

Things to consider for this product:

Quick Facts

Standard Chartered Smart Credit Card

Offer Available

Things to consider for this product:

Quick Facts

UOB PRVI Miles Visa Card

Offer Available

Things to consider for this product:

Quick Facts

Maybank World Mastercard

Things to consider for this product:

Quick Facts

KrisFlyer UOB Credit Card

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Quick Facts

UOB Visa Signature Card

Things to consider for this product:

Quick Facts

UOB Lady's Card

Offer Available

Things to consider for this product:

Quick Facts

Maybank DUO Platinum Mastercard

Things to consider for this product:

Quick Facts

UOB PRVI Miles World MasterCard

Offer Available

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Quick Facts

UOB Preferred Platinum Visa Card

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Quick Facts

Maybank Manchester United Platinum Visa Credit Card

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Quick Facts

Maybank Horizon Visa Signature Card

Things to consider for this product:

Quick Facts

(Dobin Exclusive) Standard Chartered Smart Credit Card

Offer Available

Things to consider for this product:

Quick Facts

UOB Professionals Platinum Card

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Quick Facts

UOB UnionPay Platinum Card

Things to consider for this product:

Quick Facts

Maybank Visa Infinite Card

Things to consider for this product:

Quick Facts

DBS Live Fresh Student Card

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Quick Facts

American Express Platinum Card

2 Offers Available

Things to consider for this product:

Quick Facts

UOB PRVI Miles American Express Card

Offer Available

Things to consider for this product:

Quick Facts

American Express Platinum Credit Card

Offer Available

Things to consider for this product:

Quick Facts

UOB Lady's Solitaire Card

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Quick Facts

Maybank FC Barcelona Visa Signature Card

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Quick Facts

CIMB Visa Infinite Card

2 Offers Available

Things to consider for this product:

Quick Facts

UOB Absolute Cashback Card