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

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

Lower min. spends

Standard Chartered Simply Cash Credit Card

Installment Processing Fee

From 0.1 %

info

Up to 1% depending on tenure

Minimum Spend For Installment

S$ 500

Installment Tenure

Up to 12 months

Installment Rate

0 %

2 Offers Available

Upgrade Your Rewards with a Simple Top-Up

Save S$549 on an Apple Macbook Air M3 13" 256GB (worth S$1,599) by upgrading your reward with a top up

Valid until

30 September 2024

Richest Offer in the Market

Dyson Micro 1.5kg (worth S$599)

Valid until

30 September 2024

Richest Offer in the Market

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

Valid until

30 September 2024

Richest Offer in the Market

Sony WH-1000XM5 Noise Cancelling Headphones (worth S$585)

Valid until

30 September 2024

Richest Offer in the Market

S$400 Shopee voucher

Valid until

30 September 2024

Things to consider for this product:

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No rebate cap

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No monthly spend required

check

First year annual Fee waiver

Gift Options

Save S$549 on an Apple Macbook Air M3 13" 256GB (worth S$1,599) by upgrading your reward with a top up

Gift Options

Dyson Micro 1.5kg (worth S$599); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Sony WH-1000XM5 Noise Cancelling Headphones (worth S$585); or
S$400 Shopee voucher

EXCLUSIVE DEAL THAT YOU WON'T FIND ELSEWHERE

HSBC Advance Credit Card

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Minimum Spend For Installment

S$ 500

Installment Tenure

Up to 24 months

Installment Rate

0 %

3 Offers Available

Upgrade Your Rewards with a Simple Top-Up

Save S$621 on a Sony ZV-1M2 Vlog Camera (worth S$1,209) by upgrading your reward with a top up

+ 1 other gift options

Valid until

30 September 2024

Richest Offer in the Market

Flujo SmarTrax Standing Desk (worth S$739)

Valid until

30 September 2024

Richest Offer in the Market

Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429)

Valid until

30 September 2024

Richest Offer in the Market

Xiaomi Robot Vacuum S10+ (worth S$569)

Valid until

30 September 2024

Richest Offer in the Market

S$330 Lazada Vouchers

Valid until

30 September 2024

Welcome Offer

1x Mercedes-Benz EQB or 90x Round-trip Economy Class Tickets to Paris

Valid until

23 September 2024

Things to consider for this product:

check

No monthly spend required

check

Travel insurance

check

Annual Fee waiver

remove

Rebate cap applied

Gift Options

Save S$621 on a Sony ZV-1M2 Vlog Camera (worth S$1,209) by upgrading your reward with a top up; or
Save S$569 on a Sony HT-AX7 Portable Theatre System (worth S$769) by upgrading your reward with a top up

Gift Options

Flujo SmarTrax Standing Desk (worth S$739); or
Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429); or
Xiaomi Robot Vacuum S10+ (worth S$569) ; or
S$330 Lazada Vouchers

Gift Options

1x Mercedes-Benz EQB or 90x Round-trip Economy Class Tickets to Paris

CIMB Visa Signature Card

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Minimum Spend For Installment

S$ 300

info

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

Installment Tenure

Up to 24 months

Installment Rate

0 %

Offer Available

Welcome Offer

Up to S$188 Cashback

Valid until

31 January 2025

Things to consider for this product:

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Online shopping rebate

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Supermarket rebate

check

Annual Fee waiver

remove

Rebate cap applied

EXCLUSIVE DEAL THAT YOU WON'T FIND ELSEWHERE Dyson Supersonic™ Exclusive to Citi Credit Cards Fastest Rewards Fulfilment

Citi PremierMiles Card

Installment Processing Fee

From 0.5 %

info

Up to 5% depending on tenure.

Minimum Spend For Installment

S$ 250

Installment Tenure

Up to 36 months

Installment Rate

0 %

2 Offers Available

Upgrade Your Rewards with a Simple Top-Up

Save S$619 on an Apple Macbook Air M3 13" 256GB (worth S$1,599) by upgrading your reward with a top up

+ 1 other gift options

Valid until

30 September 2024

Richest Offer in the Market

[Citi Credit Card Exclusive] Dyson Supersonic™ hair dryer (worth S$649)

Valid until

30 September 2024

Richest Offer in the Market

Apple iPad 10th Gen WiFi 64GB (worth S$529)

Valid until

30 September 2024

Richest Offer in the Market

Samsonite Straren Spinner 67/24 + 2x Apple AirTag worth S$690.80

Valid until

30 September 2024

Richest Offer in the Market

21,000 Max Miles (worth a round-trip flight to Tokyo, Kyoto, or Osaka)

Valid until

30 September 2024

Richest Offer in the Market

S$450 Shopee Vouchers

Valid until

30 September 2024

Things to consider for this product:

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No expiry air miles

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Airport lounge

check

Travel rebate

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Gift: Apple product

1.2 miles per S$1 spent locally.
2 miles per S$1 spent in foreign currency.
Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card.
11 different airline and hotel transfer partners.
Complimentary travel insurance with solid coverage.
Generous sign-up bonus with relatively low minimum spend.
Read our full review of the Citi PremierMiles Card.
Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
Service fee applies to Citi PayAll facility.

Gift Options

Save S$342 on a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB (worth S$2,128) by upgrading your reward with a top up; or
Save S$619 on an Apple Macbook Air M3 13" 256GB (worth S$1,599) by upgrading your reward with a top up

Gift Options

[Citi Credit Card Exclusive] Dyson Supersonic™ hair dryer (worth S$649); or
Apple iPad 10th Gen WiFi 64GB (worth S$529); or
Samsonite Straren Spinner 67/24 + 2x Apple AirTag worth S$690.80; or
21,000 Max Miles (worth a round-trip flight to Tokyo, Kyoto, or Osaka); or
S$450 Shopee Vouchers

Lower min. spends

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

Upgrade Your Rewards with a Simple Top-Up

Save S$689 on a Flujo Ayla Ergonomic Office Chair (worth S$1,139) by upgrading your reward with a top up

+ 1 other gift options

Valid until

30 September 2024

Richest Offer in the Market

Flujo BEA Office Chair (worth S$509)

Valid until

30 September 2024

Richest Offer in the Market

Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429)

Valid until

30 September 2024

Richest Offer in the Market

S$300 Shopee Voucher

Valid until

30 September 2024

Things to consider for this product:

check

Bonus air miles

check

Public transportation

check

Installment

check

No Annual Fee

Gift Options

Save S$689 on a Flujo Ayla Ergonomic Office Chair (worth S$1,139) by upgrading your reward with a top up; or
Save S$319 on a Xiaomi Robot Vacuum X20 (worth S$699) by upgrading your reward with a top up

Gift Options

Flujo BEA Office Chair (worth S$509); or
Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429); or
S$300 Shopee Voucher

CIMB World Mastercard

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Minimum Spend For Installment

S$ 300

info

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

Installment Tenure

Up to 24 months

Installment Rate

0 %

Offer Available

Welcome Offer

Up to S$188 Cashback

Valid until

31 January 2025

Things to consider for this product:

check

No rebate cap

check

Food delivery

check

Annual Fee waiver

remove

Monthly spend required

Valid for existing HSBC cardholders

HSBC TravelOne Credit Card

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Minimum Spend For Installment

S$ 500

Installment Tenure

Up to 24 months

Installment Rate

0 %

4 Offers Available

Upgrade Your Rewards with a Simple Top-Up

Save S$621 on a Sony ZV-1M2 Vlog Camera (worth S$1,209) by upgrading your reward with a top up

+ 1 other gift options

Valid until

30 September 2024

Richest Offer in the Market

Flujo SmarTrax Standing Desk (worth S$739)

Valid until

30 September 2024

Richest Offer in the Market

Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429)

Valid until

30 September 2024

Richest Offer in the Market

Xiaomi Robot Vacuum S10+ (worth S$569)

Valid until

30 September 2024

Richest Offer in the Market

S$330 Lazada Vouchers

Valid until

30 September 2024

Welcome Offer

30,000 miles

Valid until

30 September 2024

Welcome Offer

1x Mercedes-Benz EQB or 90x Round-trip Economy Class Tickets to Paris

Valid until

23 September 2024

Things to consider for this product:

check

Unlimited air miles

check

Airport lounge

check

Travel insurance

check

Bonus air miles

Gift Options

Save S$621 on a Sony ZV-1M2 Vlog Camera (worth S$1,209) by upgrading your reward with a top up; or
Save S$569 on a Sony HT-AX7 Portable Theatre System (worth S$769) by upgrading your reward with a top up

Gift Options

Flujo SmarTrax Standing Desk (worth S$739); or
Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429); or
Xiaomi Robot Vacuum S10+ (worth S$569) ; or
S$330 Lazada Vouchers

Gift Options

30,000 miles

Gift Options

1x Mercedes-Benz EQB or 90x Round-trip Economy Class Tickets to Paris

Fastest Rewards Fulfilment Dyson Supersonic™ Exclusive to Citi Credit Cards

Citi Cash Back+ Card

Installment Processing Fee

From 0.5 %

info

Up to 5% depend on tenure.

Minimum Spend For Installment

S$ 250

Installment Tenure

Up to 36 months

Installment Rate

0 %

2 Offers Available

Upgrade Your Rewards with a Simple Top-Up

Save S$619 on an Apple Macbook Air M3 13" 256GB (worth S$1,599) by upgrading your reward with a top up

+ 1 other gift options

Valid until

30 September 2024

Richest Offer in the Market

[Citi Credit Card Exclusive] Dyson Supersonic™ hair dryer (worth S$649)

Valid until

30 September 2024

Richest Offer in the Market

Apple iPad 10th Gen WiFi 64GB (worth S$529)

Valid until

30 September 2024

Richest Offer in the Market

Dyson Micro 1.5kg (worth S$599)

Valid until

30 September 2024

Richest Offer in the Market

S$450 Shopee Vouchers

Valid until

30 September 2024

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

Gift Options

Save S$342 on a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB (worth S$2,128) by upgrading your reward with a top up; or
Save S$619 on an Apple Macbook Air M3 13" 256GB (worth S$1,599) by upgrading your reward with a top up

Gift Options

[Citi Credit Card Exclusive] Dyson Supersonic™ hair dryer (worth S$649); or
Apple iPad 10th Gen WiFi 64GB (worth S$529); or
Dyson Micro 1.5kg (worth S$599); or
S$450 Shopee Vouchers

Highest Miles Lower min. spends

Standard Chartered Journey Credit Card

Installment Processing Fee

From 0.1 %

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

Upgrade Your Rewards with a Simple Top-Up

Save S$689 on a Flujo Ayla Ergonomic Office Chair (worth S$1,139) by upgrading your reward with a top up

+ 1 other gift options

Valid until

30 September 2024

Richest Offer in the Market

Up to 60,000 Miles

Valid until

30 September 2024

Richest Offer in the Market

Beats Studio Buds+ (worth S$231.10) + 45,000 miles

Valid until

30 September 2024

Richest Offer in the Market

S$270 Shopee Vouchers + 45,000 miles

Valid until

30 September 2024

Things to consider for this product:

check

Bonus air miles

check

No expiry air miles

check

Airport lounge

check

Travel insurance

Earn 3 miles for every S$1 spent on online transactions from transportation, food delivery, and online grocery 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.

Gift Options

Save S$689 on a Flujo Ayla Ergonomic Office Chair (worth S$1,139) by upgrading your reward with a top up; or
Save S$319 on a Xiaomi Robot Vacuum X20 (worth S$699) by upgrading your reward with a top up

Gift Options

Up to 60,000 Miles

Gift Options

Beats Studio Buds+ (worth S$231.10) + 45,000 miles; or
S$270 Shopee Vouchers + 45,000 miles

CIMB Visa Infinite Card

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Minimum Spend For Installment

S$ 300

info

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

Installment Tenure

Up to 24 months

Installment Rate

0 %

Best 0% Interest Credit Cards in Singapore 2024

Standard Chartered Simply Cash Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

HSBC Advance Credit Card

3 Offers Available

Things to consider for this product:

Quick Facts

CIMB Visa Signature Card

Offer Available

Things to consider for this product:

Quick Facts

Citi PremierMiles Card

2 Offers Available

Things to consider for this product:

Quick Facts

Standard Chartered Smart Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

CIMB World Mastercard

Offer Available

Things to consider for this product:

Quick Facts

HSBC TravelOne Credit Card

4 Offers Available

Things to consider for this product:

Quick Facts

Citi Cash Back+ Card

2 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

CIMB Visa Infinite Card

Offer Available