Best 0% Instalment Plan Credit Cards in Singapore 2026
Convert big purchases into small instalments with these 0% interest instalment plan credit cards.
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Best 0% Interest Instalment Plan Credit Cards
| Credit Card | Processing Fee | Tenure |
|---|---|---|
| Credit CardDBS Woman's Card | Processing Fee0% | Tenure3 to 12 Months |
| Credit CardStandard Chartered Spree Card | Processing Fee5% | Tenure6 or 12 Months |
| Credit CardCIMB Visa Signature Card | Processing Fee3% to 5% | Tenure6 to 24 Months |
| Credit CardHSBC Advance Credit Card | Processing Fee3% to 5% | Tenure3 to 12 Months |
| Credit CardStandard Chartered Simply Cash Credit Card | Processing Fee5% | Tenure6 or 12 Months |
| Credit CardPOSB Everyday Card | Processing Fee0% | Tenure3 to 12 Months |
What are Credit Card 0% Instalment Plans?
How Do Credit Card 0% Instalment Plans Work?
Are 0% Instalment Plans Available at My Favourite Store?
Credit card issuers may work with selected retail partners, such as electronics stores and luxury boutiques, to offer special instalment plans. Below are some examples.
Apple 0% Instalment Plan
If you spend at least S$500 at the Apple Store, you can convert your purchase into instalments at 0% interest. This is valid with a DBS, OCBC, UOB, Citibank, HSBC or Standard Chartered credit card. The instalment plan period can be 12 or 24 months, depending on the bank.
Challenger 0% Instalment Plan
Challenger offers a 0% instalment plan if you pay by DBS or UOB credit card. The minimum spend is S$500 and you can choose from 6- or 12-month instalment plans; if you spend at least S$800, you can also opt for 24 months.
Harvey Norman 0% Instalment Plan
With a minimum spend of at least S$500 online on Harvey Norman’s website, you can convert your purchase into 12- or 24-month 0% interest instalments with a DBS, UOB or AMEX credit card. DBS offers a 12-month instalment plan, while UOB and AMEX have 12- and 24-month options.
Can I Get an Instalment Plan Without a Credit Card?
FAQ
Is it worth getting a 0% credit card?
- A 0% credit card can be worth it if used as a financial tool—not an excuse to overspend. Its value depends on how you plan to use the offer. If you’re consolidating existing high-interest debt or need to split up a large, necessary purchase, a 0% card can help you save on interest charges. However, strict repayment discipline is crucial; without a clear plan to clear the balance before the 0% period ends, you risk falling back into expensive debt.
Which is the best 0% interest credit card in Singapore?
There's no single "best" 0% interest card — it depends on whether you want to split purchases into interest-free instalments or transfer existing card debt. Here are the top picks by use case:
Best for auto-instalments (buy now, pay later):
- OCBC NXT Credit Card – Automatically splits eligible transactions into 3 or 6-month interest-free instalments. Earn up to 1% cash rebate. Annual fee: $162 (waived for first 2 years; $10,000 annual spend waives future fees).
- OCBC Great Eastern Cashflo Card – Auto-splits payments across 3, 6, or 12 months, with rebates up to 1.2% if monthly spend exceeds $1,000.
Best for 0% interest on big-ticket purchases:
- UOB Lady's Card – LuxePay offers 0% instalments over 6 or 12 months on luxury spend (min. $500), with no processing fees.
- DBS Altitude Visa Signature Card – 0% for 3 months on eligible purchases via "My Preferred Payment Plan" (promo until Dec 2026, $0 processing fee).
- OCBC Great Eastern Cashflo Card – Auto-splits all transactions for up to 12 months, interest-free, with modest rebates.
Best for 0% interest balance transfers:
- Standard Chartered Simply Cash Credit Card with Funds Transfer – 0% interest for up to 12 months, with a 1–1.8% one-time fee. Flexible repayment and direct-to-bank disbursement.
- DBS/POSB Balance Transfer – 0% interest for 3, 6, or 12 months; processing fees from 1.8%. Cashback deals available for larger balances.
- CIMB Balance Transfer – Low one-time fees, as low as 1.4% for 3 months.
What if I want to shorten the instalment plan tenure?
- In the first place, it is best to pick the shortest tenure you can manage. You can cut short your instalment plan by repaying the outstanding amount early, however, there is usually a penalty fee for this. You also cannot cancel your credit card while repaying the instalment plan, and may have to pay the annual fee if it comes up.