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.
Unlimited access to 1,300 airport lounges worldwide, for you and a guest.
Earn 2.4 air miles per S$1 spent in foreign currency, and 1.4 air miles per S$1 spent locally.
Bonus 15,000 air miles upon renewal with min. S$100,000 spend within membership year.
Waiver of miles conversion fees.
Complimentary welcome drinks and up to 50% off at select Michelin-starred and fine dining restaurants.
Complimentary 2 x S$5 GrabGifts vouchers monthly.
Travel with peace of mind with up to S$1,000,000 Travel Personal Accident Insurance coverage.
24/7 UOB Visa Infinite Concierge for your banking and lifestyle needs.
No annual fee waiver
Terms and Conditions :
Installment Processing Fee : From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 120000
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:
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Dining savings
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Petrol savings
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Annual Fee waiver
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Retail rebate
Earn 1 SMART$ for every S$1 spent to offset your purchases.
Get up to 10% SMART$ rebate at participating stores islandwide.
Exclusive dining offers at the likes of Din Tai Fung, The Fullerton Hotel Singapore, Goodwood Park Hotel, Timbre and more.
Enjoy up to 20.8% and 24% fuel savings at Shell and SPC respectively.
Lifetime annual fee waiver.
Applicant must be an existing member of Alumni Association, ISCA, Law Society of Singapore, SMA or ACCA.
UNI$ will not be awarded on transactions at SMART$ merchants where SMART$ are issued.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
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:
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Local spending rebate
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No monthly spend required
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Petrol savings
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Rebate cap applied
2% cash rebate on all spends, no minimum spend required.
Up to 10% discount at over 100 International Airport Duty Free Shops.
Up to 21.6% fuel savings at SPC.
1-for-1 movie tickets at Shaw Theatres.
24-hour concierge service for personal lifestyle errands.
Total cash rebate is capped at S$50 per calendar month.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 40000
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:
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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$32 per person per visit rate applies.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 150000
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
Best Deal Guarantee
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)
Valid until
12 May 2024
Best Deal Guarantee
Nintendo Switch (Generation 2) (worth S$399)
Valid until
12 May 2024
Best Deal Guarantee
Apple AirPods Pro 2nd Gen (worth S$365.70)
Valid until
12 May 2024
Best Deal Guarantee
Up to S$340
Valid until
12 May 2024
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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
No cash advance fee.
No annual fee.
Enjoy 6% cashback in the form of reward points on selected merchants with no min. spend required.
Enjoy 0.5% cashback in the form of reward points for all base spends with no monthly cashback cap.
Enjoy 0% interest rates with 3-month EasyPay instalment tenure with no processing fee.
Cashback capped at 14,400 reward points, approximately S$45, on selected merchants.
Best Deal Guarantee
Gift Options
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Nintendo Switch (Generation 2) (worth S$399); or
Apple AirPods Pro 2nd Gen (worth S$365.70) ; or
Up to S$340
Promotion is valid for new Standard Chartered credit card members only
Apply for the SCB Smart Card or SCB Rewards+ Credit Card and make a min. spend of S$250 within 30 days of card approval to be eligible for rewards
Receive an additional S$20 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval
Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval
Enjoy 5% Cashback on McDonald's, Starbucks, Golden Village, Netflix and Spotify.
Enjoy additional 5% Green Cashback on selected eco-friendly Eateries, Retailers, and Transport Services.
0.3% Cashback on All Other Spend
5 Years Annual Fee Waiver
No minimum spend required
No minimum income required
Monthly credit limit of S$500
Monthly cashback cap of S$50
Terms and Conditions :
Installment Processing Fee: From 2 %
Eligibility :
Minimum Age: 21 years old
Maximum Age: 27 years old
Minimum Annual Income: None
American Express Platinum Card
Installment Rate
0 %
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At participating Pay Small Merchants.
Installment Tenure
Up to 24 months
Minimum Spend For Installment
S$ 250
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May differ with each participating merchant.
Minimum Annual Income
Conditional
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Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.
2 Offers Available
Welcome Offer
Complimentary one-night stay at The Ritz Carlton, Millenia Singapore (worth S$590)
Valid until
30 April 2024
Welcome Offer
135,000 Membership Rewards® points (Upsized for Existing Cardmembers)
Valid until
30 April 2024
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Things to consider for this product:
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Bonus air miles
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Dining savings
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Airport lounge
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Annual Fee required
Up to S$1,354 worth of travel, dining, and lifestyle credits inclusive of S$200 airline credits, S$400 global dining credits, S$400 lifestyle credits, S$204 entertainment credits, and S$150 fashion 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 such as the Marriott Bonvoy™ Gold Elite Status and Hilton Honors Gold Status.
Complimentary Access into Tower Club.
Complimentary Weekend Parking at Great World City.
Membership Rewards Points never expire.
Up to 50% savings at selected hotels such as Marriott, St. Regis, and W Singapore among others.
Up to 50% savings with Love Dining at selected restaurants such as Lawry’s, Sen of Japan, and Peach Garden among others.
Enjoy S$400 every year to use at over 1,400 curated restaurants locally and around the world.
Annual fee: S$1,744 (inclusive of GST).
Welcome Offer
Gift Options
Complimentary one-night stay at The Ritz Carlton, Millenia Singapore (worth S$590)
Promotion is valid for new American Express credit cardmembers only
Apply for the AMEX Platinum Card through SingSaver, make a min. spend of S$6,000 within 60 days of card approval date, and pay the annual fee (S$1,744 incl. GST) to be eligible for reward
Reward may be combined with AMEX Platinum Card 135,000 Membership Rewards® points promotion
135,000 Membership Rewards® points (Upsized for Existing Cardmembers)
Promotion is valid for new and existing American Express credit cardmembers
Apply for the AMEX Platinum Card through SingSaver, make a min. spend of S$6,000 within 60 days of card approval date, and pay the annual fee (S$1,744 incl. GST) to be eligible for reward
Receive 127,500 Membership Rewards® points upon fulfillment of reward criteria
Receive 7,500 Membership Rewards® points based on the S$6,000 spent (based on 2 Membership Rewards® points per S$1.60 spent)
Promotion is not stackable with other offers from American Express
50,000 miles upon SMS registration and fulfilling spend requirement
Valid until
30 April 2024
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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 8% cashback on dining, etc.
6 miles per S$1 spend (UNI$15 per S$5 spend) on major airlines and hotels through Expedia, agoda and UOB Travel.
1.4 miles per S$1 on local spend (UNI$3.5 per S$5 spend).
2.4 miles per S$1 on overseas spend (UNI$6 per S$5 spend), including online shopping and overseas websites.
Choice to redeem for miles, cashback, or vouchers.
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Get 20,000 loyalty miles with a minimum spend of S$50,000 in a year.
Complimentary airport transfers to Changi Airport.
1.4 mpd on SimplyGo and public transport rides for UOB PRVI Mastercard and Visa only.
No airport lounge access.
2 year points expiry.
Welcome Offer
Gift Options
30,000 miles plus first-year annual fee waiver
Promotion is valid for new-to-UOB credit card members only
To receive 25,200 miles, be the first 50 new-to-UOB credit card members who apply with first-year annual fee waiver and spend at least S$1,000 per month for 2 consecutive months from card approval date.
To receive an additional 4,800 miles (for up to 30,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
50,000 miles upon SMS registration and fulfilling spend requirement
Promotion is valid for new-to-UOB credit card members only
To receive 45,200 miles, spend at least S$1,000 per month for 2 consecutive months, pay the 1st year annual fee (S$261.60 incl. GST) and complete SMS registration by 31 May 2024
SMS PMAF <space> last 4 alphanumeric characters of NRIC/passport registered with UOB to 77862
To receive an additional 4,800 miles (for up to 50,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.
2 Offers Available
Welcome Offer
Get up to 60,000 Membership Rewards® points
Valid until
30 April 2024
Welcome Offer
Up to S$400 eCapitaVoucher + 1,250 Membership Rewards® Points
Valid until
30 April 2024
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Things to consider for this product:
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Unlimited air miles
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Dining savings
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Annual Fee required
Enjoy up to S$200 statement credits that can be used at trending restaurants or fashion brands.
Enjoy up to 50% savings at a curated selection of hotels and restaurants island-wide with Love Dining by Platinum.
Enjoy 1-for-1 first drink and complimentary drinks at some of the most bespoke bars in Singapore with Chillax by Platinum.
Earn 2 Membership Rewards® Points for every S$1.60 spent.
Earn 10 Membership Rewards® Points for every full S$1.60 spent with 10Xcelerator Partners.
Membership Rewards® Points never expire.
Permanent waiver of miles transfer fee (worth S$40).
Annual fee: S$327 (inclusive of GST) must be paid to enjoy welcome offers.
Welcome Offer
Gift Options
Get up to 60,000 Membership Rewards® points
Promotion is valid for existing American Express credit cardmembers
Apply for the AMEX Platinum Credit Card, pay the annual fee (S$327 incl. GST) and make a min. spend of S$1,000 within 30 days of card approval to be eligible for reward
Receive 58,750 Membership Rewards® points from fulfillment of reward criteria
Receive 1,250 Membership Rewards® points based on the S$1,000 spent (based on 2 Membership Rewards® points per S$1.60 spent)
Promotion is not stackable with other offers from American Express
Up to S$400 eCapitaVoucher + 1,250 Membership Rewards® Points
Promotion is valid for new American Express credit cardmembers only
Apply for the AMEX Platinum Credit Card, pay the annual fee (S$327 incl. GST) and make a min. spend of S$1,000 within 30 days of card approval to be eligible for rewards
Receive S$400 eCapitaVoucher from fulfillment of reward criteria
Receive 1,250 Membership Rewards® points based on the S$1,000 spent (based on 2 Membership Rewards® points per S$1.60 spent)
15X UNI$ for every S$5 spent (equivalent to 6 miles per S$1) on 2 of your preferred rewards categories..
UNI$1 per S$5 spent (equivalent to 0.4 miles per S$1) on other purchases.
Complimentary travel insurance coverage of up to US$100,000.
Complimentary e-commerce protection
0% LuxePay
S$120,000 annual income
S$410.40 annual fee
S$5 earning blocks for miles.
Automatic UNI$ deductions
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 120000
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
Welcome Offer
30,000 miles plus first-year annual fee waiver
Valid until
30 April 2024
Welcome Offer
50,000 miles upon SMS registration and fulfilling spend requirement
Valid until
30 April 2024
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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 6 miles per S$1 spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda.
2.4 miles for every S$1 spent overseas, 1.4 miles for every S$1 spent locally.
Earn miles when you pay your monthly bills, rent, taxes and even a one-off large purchase with your UOB PRVI Miles Card via UOB PRVI Miles Payment Facility.
No minimum spend and cap on miles earned at all times.
Complimentary travel insurance of up to S$500,000.
Earn up to 6 bonus KrisFlyer miles for every S$1 spent if you also apply for a new KrisFlyer UOB Account.
20,000 loyalty miles reward for min. annual spend of S$50,000 is only available for the AMEX card.
Annual fee of S$259.20
Welcome Offer
Gift Options
30,000 miles plus first-year annual fee waiver
Promotion is valid for new-to-UOB credit card members only
To receive 25,200 miles, be the first 50 new-to-UOB credit card members who apply with first-year annual fee waiver and spend at least S$1,000 per month for 2 consecutive months from card approval date.
To receive an additional 4,800 miles (for up to 30,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
50,000 miles upon SMS registration and fulfilling spend requirement
Promotion is valid for new-to-UOB credit card members only
To receive 45,200 miles, spend at least S$1,000 per month for 2 consecutive months, pay the 1st year annual fee (S$261.60 incl. GST) and complete SMS registration by 31 May 2024
SMS PMAF <space> last 4 alphanumeric characters of NRIC/passport registered with UOB to 77862
To receive an additional 4,800 miles (for up to 50,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Installment Rate
0 %
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At participating Pay Small Merchants.
Installment Tenure
Up to 24 months
Minimum Spend for Installment
S$ 250
info
May differ with each participating merchant.
Minimum Annual Income
Conditional
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Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.
2 Offers Available
Welcome Offer
Receive up to 17,000 KrisFlyer miles and up to S$300 eCapitaVouchers
Valid until
30 April 2024
Welcome Offer
Up to 34,000 KrisFlyer miles
Valid until
30 April 2024
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Things to consider for this product:
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Unlimited air miles
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Airport lounge
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Travel insurance
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Annual Fee required
1.2 KrisFlyer miles for every S$1 spent on all eligible purchases.
2 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases during June and December.
3.2 KrisFlyer miles for every S$1 spent on Grab Singapore transactions, up to S$200 spent each calendar month.
4 complimentary lounge passes each year.
Complimentary one night stay each year at participating Hilton Properties and complimentary upgrade to Hilton Honors Silver membership tier.
2 KrisFlyer miles per S$1 spent on singaporeair.com, SingaporeAir mobile app, silkair.com and KrisShop, with no cap.
Read our full review of the American Express Singapore Airlines KrisFlyer Ascend Credit Card.
Annual fee: S$343.35 (inclusive of GST) must be paid to enjoy welcome offers.
Welcome Offer
Gift Options
Receive up to 17,000 KrisFlyer miles and up to S$300 eCapitaVouchers
Promotion is valid for new American Express cardmembers only
Apply for the American Express Singapore Airlines KrisFlyer Ascend Credit Card, make a min. spend of S$1,000 within 30 days of card approval, and pay the annual fee (S$343.35 incl. GST) to be eligible for rewards
Receive S$300 eCapitaVouchers and 10,800 KrisFlyer miles upon fulfilling reward criteria
Receive 5,000 bonus KrisFlyer miles upon first transaction on card (for first time American Express Singapore Airlines credit card applicants)
Receive 1,200 KrisFlyer miles based on the S$1,000 spent (based on 1.2 KrisFlyer miles per S$1 spent locally)
Promotion is not stackable with other offers from American Express
Promotion is valid for existing American Express credit cardmembers
Apply for the American Express Singapore Airlines KrisFlyer Ascend Credit Card, make a min. spend of S$1,000 within 30 days of card approval, and pay the annual fee (S$343.35 incl. GST) to be eligible for rewards
Receive 27,800 KrisFlyer miles upon fulfilling reward criteria
Receive 5,000 KrisFlyer miles upon first transaction on card (for first time American Express Singapore Airlines Credit Card applicants)
Receive 1,200 KrisFlyer miles based on the S$1,000 spent (based on 1.2 KrisFlyer miles per S$1 spent locally)
Promotion is not stackable with other offers from American Express
American Express Singapore Airlines Business Credit Card
Installment Rate
0 %
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At participating Pay Small Merchants.
Installment Tenure
Up to 24 months
Minimum Spend For Installment
S$ 250
info
May differ with each participating merchant.
Minimum Annual Income
S$ 30,000
2 Offers Available
Welcome Offer
68,000 HighFlyer points (worth S$647)
Valid until
29 May 2024
Welcome Offer
Samsonite Choca Spinner 68/25 (worth S$700) and 10,800 HighFlyer points
Valid until
29 May 2024
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Things to consider for this product:
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Bonus air miles
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Airport lounge
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Air ticket rebate
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Rebate cap applied
Earn up to 8.5 HighFlyer Points per S$1 spent on eligible Singapore Airline Group flights, worth 8.5% cashback.
Earn HighFlyer Points for your Business: earn 5 HighFlyer points per S$1 spent on flights, while your employees continue to earn KrisFlyer Miles.
Earn 1.8 HighFlyer Points per S$1 spent on all other eligible purchases, worth 1.8% cashback.
Accelerate to KrisFlyer Elite Gold (KFEG) with S$15,000 spend with Singapore Airlines Group in the first 12 months.
Complimentary night stay yearly and up to 50% dining discounts with Accor Plus across Asia Pacific worth $398 annually.
Priority Pass membership with 2 complimentary visits per year.
Welcome Offer
Gift Options
68,000 HighFlyer points (worth S$647)
Apply for the American Express Singapore Airlines Business Credit Card, make a min. spend of S$6,000 within 90 days of card approval, and pay the annual fee (S$301.80 incl. GST) to be eligible for rewards
57,200 HighFlyer points awarded for S$6,000 min. spend within 90 days of card approval plus annual fee payment
10,800 HighFlyer points awarded from S$6,000 spend (based on 1.8 HighFlyer points per S$1 spend)
Promotion does not stack with other offers from American Express
Samsonite Choca Spinner 68/25 (worth S$700) and 10,800 HighFlyer points
Apply for the American Express Singapore Airlines Business Credit Card, make a min. spend of S$6,000 within 90 days of card approval, and pay the annual fee (S$301.80 incl. GST) to be eligible for rewards
Promotion does not stack with other offers from American Express
Low quarterly service fee of $5. Waivable when you charge to your card once every three months.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 18 years old
Maximum Age: 30 years old
Minimum Annual Income: None
UOB Visa Signature Card
Installment Rate
0 %
Installment Tenure
Up to 12 months
Minimum Spend For Installment
S$ 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
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Mobile contactless rebate
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Rebate cap applied
4 miles per dollar on contactless, overseas, and petrol transactions.
Travel insurance coverage of up to S$500,000.
S$1,000 monthly minimum spend.
Rewards bonus cap at S$2,000 per statement month.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 50000
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
2 Offers Available
Welcome Offer
Exquisite dining experience for two at Michelin-starred restaurants (worth S$900)
Valid until
30 June 2024
Welcome Offer
Jo Malone Cologne 30ml (worth S$120)
Valid until
30 April 2024
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Things to consider for this product:
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Local spending rebate
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Installment
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No monthly spend required
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Rebate cap applied
Pick from 7 rewards categories to earn up to 25X UNI$ for every S$5 spend (10 miles per S$1)
Spend on UOB Lady's Credit Card to earn 10X UNI$ (4 miles per S$1) and enjoy additional up to 15X UNI$ (6 miles per S$1) when you pair your UOB Lady's Credit Card with UOB Lady's Savings Account
LuxePay: Enjoy 0% 6 or 12-month instalment plan when you purchase your favorite luxury apparels.
Complimentary e-Commerce protection on your online purchases.
Enjoy UOB$ rebate on your daily essentials, entertainment and shopping.
You can only choose 1 rewards category out of 7 for the 25X UNI$ (10 miles per S$1) earn rate. It can’t be changed until next quarter.
You must apply for and use UOB Lady's Savings Account to unlock additional 15X UNI$ (6 miles per S$1) earn rate on selected rewards category.
Welcome Offer
Gift Options
Exquisite dining experience for two at Michelin-starred restaurants (worth S$900)
Promotion is valid for new UOB credit card members only
Be the first 150 applicants of the UOB Lady's Credit Card every month during the promo period and make a min. spend of S$1,500 per month for 2 consecutive months from card approval date to be eligible for rewards
Participating restaurants: Rêve, Cure, Art di Daniele Sperindio
Promotion is valid for new UOB deposits customers only
Be the first 150 applicants of the UOB Lady's Savings Account, deposit S$10,000 in fresh funds by 30 Apr 2024 and maintain the deposit until 31 May 2024 to be eligible for reward
Complimentary Supplementary Cards for your loved ones.
Complimentary travel insurance coverage of up to S$500,000.
TREATS Points awarded calculated based on blocks of S$5.
Min. spend of S$300 each calendar month to qualify for bonus TREATS Points, capped at 30,000 bonus TREATS.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
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
Welcome Offer
30,000 miles plus first-year annual fee waiver
Valid until
30 April 2024
Welcome Offer
50,000 miles upon SMS registration and fulfilling spend requirement
Valid until
30 April 2024
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Things to consider for this product:
check
Bonus air miles
check
Unlimited air miles
check
Travel insurance
check
No monthly spend required
Earn 6 miles per S$1 spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda.
2.4 miles for every S$1 spent overseas, 1.4 miles for every S$1 spent locally.
No minimum spend and cap on miles earned at all times.
Complimentary travel insurance of up to S$500,000.
Earn up to 6 bonus KrisFlyer miles for every S$1 spent if you also apply for a new KrisFlyer UOB Account.
Read our full review of the UOB PRVI Miles Credit Card.
20,000 loyalty miles reward for min. annual spend of S$50,000 is only available for the AMEX card.
Annual fee of S$259.20.
Welcome Offer
Gift Options
30,000 miles plus first-year annual fee waiver
Promotion is valid for new-to-UOB credit card members only
To receive 25,200 miles, be the first 50 new-to-UOB credit card members who apply with first-year annual fee waiver and spend at least S$1,000 per month for 2 consecutive months from card approval date.
To receive an additional 4,800 miles (for up to 30,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
50,000 miles upon SMS registration and fulfilling spend requirement
Promotion is valid for new-to-UOB credit card members only
To receive 45,200 miles, spend at least S$1,000 per month for 2 consecutive months, pay the 1st year annual fee (S$261.60 incl. GST) and complete SMS registration by 31 May 2024
SMS PMAF <space> last 4 alphanumeric characters of NRIC/passport registered with UOB to 77862
To receive an additional 4,800 miles (for up to 50,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
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:
Take advantage of balance transfers If the card offers a 0% processing fee on balance transfers, consider moving existing high-interest credit card debt to this card. This can save you money on interest charges and help you pay off the debt faster.
Use for large purchases Utilise the card for significant purchases that you plan to pay off over time. With no processing fee, you can spread the cost without incurring extra charges.
Avoid cash advances Even with no processing fee on purchases, cash advances often come with fees and high-interest rates. Refrain from using the card for cash advances.
A 0% Processing Fee Credit Card is a good fit for several types of individuals such as these:
Balance transfer users People with existing high-interest credit card debt can benefit from a 0% processing fee on balance transfers. Transferring balances to this card can save on processing fees and reduce interest charges.
Those planning large purchases Individuals who have significant purchases planned and want to spread the cost over time without incurring additional fees can use this card for interest-free financing.
People managing cash flows Business owners or individuals who want to improve cash flow for their ventures or personal finances can utilise a 0% Processing Fee Credit Card strategically.
For upcoming big-ticket purchases The main goal of credit cards offering 0% instalment plans with 0% processing fee is to allow cardholders to pay off their transactions in monthly repayments according to their preferred tenure. This is especially useful for big-ticket purchases like expensive home appliances, electronics, wedding expenses, home renovation costs, and more.
Cardholders will not have to worry about incurring additional fees or charges on these monthly repayments thanks to the 0% interest rate and 0% processing fee imposed.
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.
Balance transfer timeframe If you plan to use the card for balance transfers, make sure to complete the transfers within the specified timeframe to qualify for the 0% processing fee.
Instalment tenure The 0% interest on instalments and 0% processing fee are only valid if you dutifully pay off your monthly repayments on time and within the selected timeframes. If you end the instalment plan prematurely or fail to fully pay it off by the end of the tenure, you’ll be charged penalty fees and start incurring heftier interest on top of your owed overdue amount.
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.