Best 0% Instalment Plan Credit Cards in Singapore 2025

Convert big purchases into small instalments with these 0% interest instalment plan credit cards. Read More
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We found 12 Credit Cards for you!
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Standard Chartered Smart Credit Card
MoneySmart Exclusive
Earn up to 10% Bonus Cashback
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Standard Chartered Smart Credit Card

for spends on Bonus Categories
Up to 10% Bonus Cashback
for transactions of a min. of S$150
3-month interest-free instalments
for instalment conversions
Processing Fee Applies
Apply and redeem any of these rewards

Get S$230 Cash via PayNow or 2,990 SmartPoints when you apply and spend S$800 within 30 days from card approval date! T&Cs apply.
 
[SCB Pinball Sure Win Promotion]
Apply for an eligible SCB Card and unlock sure-win prizes like a Paris Getaway for Two (flights, hotels and iconic experiences), Samsonite luggage, FairPrice/ Klook vouchers, and more worth S$12,000 or more! T&Cs apply.

Valid until 21 Jul 2025 - See more details below
DBS Altitude American Express Card
Online Promo
Earn Miles That Never Expire

DBS Altitude American Express Card

Minimum Amount
S$100
Processing Fee
0%
Tenure
3 to 24 Months
Online Promo:
Get up to 38,000 miles when you apply, pay the card's annual fee and charge a min. spend of S$800 within 60 days from card approval date. T&Cs apply.
Valid until 31 Aug 2025 - See more details below
Standard Chartered Rewards+ Credit Card
MoneySmart Exclusive
Earn up to 10X Rewards Points
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Standard Chartered Rewards+ Credit Card

Minimum Amount
S$500
Processing Fee
5%
Tenure
6 or 12 Months
Apply and redeem any of these rewards

Get S$230 Cash via PayNow or 2,990 SmartPoints when you apply and spend S$800 within 30 days from card approval date! T&Cs apply.
 
[SCB Pinball Sure Win Promotion]
Apply for an eligible SCB Card and unlock sure-win prizes like a Paris Getaway for Two (flights, hotels and iconic experiences), Samsonite luggage, FairPrice/ Klook vouchers, and more worth S$12,000 or more! T&Cs apply.

Valid until 21 Jul 2025 - See more details below
UOB Lady's Card
MoneySmart Exclusive
Up to 10 Miles per S$1 spent

UOB Lady's Card

Minimum Amount
S$500
Interest p.a.
0%
Tenure
6 or 12 month

[Celebrate SG60 with UOB]
Get $60 Cash guaranteed when you spend $500 within 30 days! Plus, brace yourself for the chance to win big – one lucky winner will walk away with $6,000 Cash in our grand draw and 60 consolation winners get $100 cash! T&Cs apply.

Valid until 31 Jul 2025 - See more details below
Apply Now
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DBS Altitude Visa Signature Card
Online Promo
Earn Miles That Never Expire

DBS Altitude Visa Signature Card

Minimum Amount
S$100
Processing Fee
0%
Tenure
3 to 24 months
Online Promo:
Get up to 38,000 miles when you apply, pay the card's annual fee and charge a min. spend of S$800 within 60 days from card approval date. T&Cs apply.
Valid until 31 Aug 2025 - See more details below
DBS Live Fresh Card
Online Promo
Shopping and Transportation

DBS Live Fresh Card

Minimum Amount
S$100
Processing Fee
0%
Tenure
3 to 24 months
Online Promo:
Get S$300 cashback from DBS when you apply and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 31 Jul 2025 - See more details below
CIMB World Mastercard
MoneySmart Exclusive
Earn up to 2% unlimited cashback!

CIMB World Mastercard

Minimum Amount
S$500
Processing Fee
3% to 5%
Tenure
6 to 24 Months

Get S$50 Cash when you apply and spend a min of S$108 within 30 days from card approval! T&Cs apply.
 
PLUS get S$188 cashback from CIMB when you spend a min. of S$988 within 60 days, or S$88 cashback from CIMB when spend a min. of S$108 within the first 30 days! T&Cs apply.

Valid until 31 Jul 2025 - See more details below
CIMB Visa Signature
MoneySmart Exclusive
Earn up to 10% cashback

CIMB Visa Signature

Minimum Amount
S$500
Processing Fee
3% to 5%
Tenure
6 to 24 Months

Get S$50 Cash when you apply and spend a min of S$108 within 30 days from card approval! T&Cs apply.
 
PLUS get S$188 cashback from CIMB when you spend a min. of S$988 within 60 days, or S$88 cashback from CIMB when spend a min. of S$108 within the first 30 days! T&Cs apply.

Valid until 31 Jul 2025 - See more details below
CIMB Visa Infinite
MoneySmart Exclusive
Earn up to 2% unlimited cashback!

CIMB Visa Infinite

Minimum Amount
S$500
Processing Fee
3% to 5%
Tenure
6 to 24 Months

Get S$50 Cash when you apply and spend a min of S$108 within 30 days from card approval! T&Cs apply.
 
PLUS get S$188 cashback from CIMB when you spend a min. of S$988 within 60 days, or S$88 cashback from CIMB when spend a min. of S$108 within the first 30 days! T&Cs apply.

Valid until 31 Jul 2025 - See more details below
OCBC NXT Credit Card

OCBC NXT Credit Card

automatically splits transactions into monthly instalments
Interest-fee Auto Instalments
instalment with rebates
0%
3 or 6 months
Payment Split into
UOB Lady's Solitaire Card

UOB Lady's Solitaire Card

Base Earn Rate
S$5 = 1X UNI$ (or 0.4 miles per S$1)
on Two Categories of Choice
S$5 = Up to 25X UNI$ (equivalent to 10 miles per S$1)
UOB Lady's LuxePay Plan
6 or 12 month
Standard Chartered Simply Cash Credit Card
MoneySmart Exclusive
2% UPSIZED CASHBACK | LIMITED TIME ONLY

Standard Chartered Simply Cash Credit Card

on all spends
Up to 2% Cashback
with no min spends
Unlimited Cashback
on your Monthly Instalments
0% Interest
Apply and redeem any of these rewards

Get S$350 Cash via PayNow or earn 4,000 SmartPoints  when you apply and spend S$800 within 30 days from card approval date! Earn UPSIZED UNLIMITED 2% CASHBACK on your purchases charged to your credit card! T&Cs apply
 
[SCB Pinball Sure Win Promotion]
Apply for an eligible SCB Card and unlock sure-win prizes like a Paris Getaway for Two (flights, hotels and iconic experiences), Samsonite luggage, FairPrice/ Klook vouchers, and more worth S$12,000 or more! T&Cs apply.

Valid until 21 Jul 2025 - See more details below
Apply Now
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MoneySmart is Singapore’s most trusted personal finance platform, known for delivering accurate, unbiased, and transparent financial advice. Backed by over a decade of experience, our team of experts rigorously research and review financial products everything from credit cards to personal loans to insurance—we empower you to make confident, well-informed money decisions.

Best Credit Card in Singapore 2025

Credit CardBest ForReward Type
Citi Cash Back CardSavings on dining, grocery and grab spendingsCashback
Citi PremierMiles CardEarning bonus miles that do not expireMiles
American Express Singapore Airlines KrisFlyer Ascend Credit CardConvenience and perks for frequent flyersMiles
Standard Chartered Simply Cash Credit CardUnlimited cashback with Ez-link capabilitiesCashback
UOB One CardCard and Savings Account BundleCashback
DBS Live Fresh CardHighest cashback on any contactless paymentCashback
American Express The Platinum Card®High Net-worth IndividualsReward Points
Standard Chartered Smart Credit CardNetflix, Spotify, fast food dining and public transportCashback
HSBC Live+ Credit CardDining, shopping and entertainmentCashback
UOB PRVI VISA Miles Credit CardAgoda and Expedia BookingsMiles
HSBC TravelOne Credit CardMiles chaserMiles
DBS Altitude Visa Signature CardEntry-level miles chaserMiles

With SmartRewards, you can earn SmartPoints and choose any gift from our Rewards store.

What you can get using Smartpoints

Compare Credit Cards for Everyday Use

When comparing the best credit cards for rewards, it is often a good choice to combine multiple credit cards each specializing in a particular spending type or card feature that best suits your lifestyle. Avoid paring Miles credit cards with Cashback credit cards since these reward types are incompatible. Points credit cards, on the other hand, are more flexible as they can be used to either get cash rebates on specific merchants or convert points into miles to redeem free flight tickets.

Air Miles

Miles Credit Cards

  1. Citi PremierMiles Card: Use for online hotel and flight bookings
  2. UOB PRVI Miles Card: Use for general local spend
  3. American Express Singapore Airlines KrisFlyer Card: Use for earning KrisFlyer miles
Cashback

Cashback Credit Cards

  1. Citi Cash Back Card: Use for grocery shopping worldwide
  2. Standard Chartered Simply Cash Credit Card : Use for unlimited cashback
  3. HSBC Live+ Credit Card: Use for spending on everyday dining
Reward Points

Reward Points Credit Cards

  1. Citi Rewards Card: Use for retail shopping to earn extra miles
  2. UOB Lady's Card: Use for transportation and groceries
  3. OCBC Rewards Credit Card: Use for shopping

Credit Cards Recommendations

Discover the ultimate credit card recommendations designed to cater to your diverse financial needs. Whether you're a jetsetter, cost conscious individual, or on the hunt for exclusive deals, read our list of articles to find your perfect card.

Guides

Promotions

Travelling

Customer Type

Petrol

Grocery and Bills Payment

Transportation

Entertainment

Cashback

The Ultimate List of Credit Card Reviews in Singapore

Delve into the intricacies of credit card offerings, dissecting features, fees, rewards, and everything in between. We’ve done the dirty work so you don’t have to.

Read Card Reviews

What customers are saying about our credit cards (From Google Reviews)

⭐⭐⭐⭐⭐

Review by Nguyen Tung Lam

"Applying for credit card and claiming gift was a smooth and pleasant process that was all done online. The wait for the gift was not terribly long either. I'm a happy customer :) "

As seen on Google

⭐⭐⭐⭐⭐

Review by Dominic Koh

"Been signing up for my credit cards through Moneysmart, seamless process everytime. I personally prefer the sign up gifts offered by Moneysmart, and fulfilment of the gifts has not been an issue so far. Keep it up Moneysmart team!"

As seen on Google

⭐⭐⭐⭐⭐

Review by Jude Lu

"Great credit card promotions! I needed some help with some of their campaign rewards and my email was replied within 1 business day. Thanks!"

As seen on Google

Visa Card vs Mastercard vs American Express

At some point in your life, you’ll probably wonder if there’s a difference between a Visa card and Mastercard (and maybe American Express). Visa, Mastercard and Amex are the 3 big global payment networks. This means they handle all the technical back-end stuff that makes it possible to pay with your credit card anywhere in the world. Visa and Mastercard are extremely widely accepted worldwide, both online and offline. Both payment networks are easy and secure to use. Visa has a slight edge in terms of acceptance, but really, you’ll be fine with either. American Express is a bit less widely accepted globally. However, many people still love using Amex because they have an excellent reputation for customer care. Whichever payment network you choose, you can get a credit card from a bank like DBS or UOB. Note that American Express also issues its own credit cards, even though it’s not a bank.

Unlock KrisFlyer Miles with the Best Credit Cards

Ready to travel? Earn KrisFlyer miles and make your dream vacations more affordable. Enjoy luxury flights, upgrades, and more, all without the extra cost!

Read our guide!

Minimum Balance Payment for Credit Cards

Is paying the minimum balance bad?

Because credit cards are effectively short-term loans, you are meant to pay off your bills in full every month. If you make only the minimum payment each month, you may accrue huge additional costs on top of your bill due to the credit card’s interest rate (typically 24%+)!

Does paying only minimum balance affect credit score?

Yes, If you plan to apply for any kind of credit or loan (such as a housing loan or car loan) in the future, be aware that any “bad behaviour” with your credit card can come back to haunt you in the form of a bad credit score.

Which Credit Card is the Best in Singapore?

With so many credit cards in Singapore to choose from, it can be difficult to narrow down the best credit cards to suit your lifestyle. Unfortunately, there’s no single best credit card in Singapore. You’ll have to choose the best one for you. Here’s how:

Find a card that fits your spending habits

Think about your current lifestyle and spending habits. What are the things you spend the most money on? For example, if you’re a real foodie and love checking out new restaurants around town, then it makes sense to get a card with rewards points for dining out and useful perks like 1-for-1 buffet promotions.

Plan how to use your credit card benefits

Credit cards come with a whole bunch of benefits, so think about which benefits you actually want to use. Do you want to collect air miles and fund your upcoming travels? Or accumulate points for shopping vouchers? Or would you rather enjoy cash rebates? This is a deeply personal matter - only you can decide how you prefer to be rewarded. Make use of the ongoing credit card promotions to enjoy the full benefits of the card rewards on top of the promotion offer.

Check the Terms & Conditions

Now that you’ve got a shortlist of credit cards, it’s time to dig deeper into the details of the rewards or air miles programmes. Find out all you can about terms and conditions like expiry dates, exclusions, minimum spend, credit limit, etc. Be sure to ask a bank rep to clarify if you don’t see answers anywhere.

Annual Fees are NOT the Only Credit Card Fee!

Annual fees aren’t the only type of credit card charges you might be paying. Many of these other common fees will impact the benefits you earn, so be mindful of them and actively monitor your spend.

Foreign Transaction Fees

This is a fee imposed on overseas spending - whether it’s while you’re traveling or even when making an online purchase on a foreign website. This is usually 2.5% to 3.25% on top of the prevailing foreign exchange rate.

Cash Advance Fees

Some credit cards allow you to withdraw cash from ATMs, using your credit line. Be prepared to fork out up to 8% of the transaction amount.

Balance Transfer Fees

Charged when you move a balance from one card to another, usually 2% to 4.5% of the amount transferred.

Frequently Asked Questions

How do credit cards work?

A credit card is basically a way to borrow money from a bank to make purchases. Unlike a bank loan, a credit card “loans” money in smaller amounts and on a short-term basis, requiring you to pay the bank back monthly (or be subject to unpleasant penalties and interest fees). The biggest payment networks are MasterCard, VISA and American Express, but do note that merchants may not accept all types.

How do I apply for a credit card?

Simply fill out an application online or at a bank branch and submit the required documents such as proof of income. After approval, the bank will inform you about how much you are allowed to borrow and mail you your new credit card. You’ll need to activate the credit card as well as sign on the back.

What’s the difference between debit cards and credit cards?

Unlike credit cards, debit cards do not involve any borrowing. They are linked to your bank account, so purchases made on your debit card are paid for by deducting straight from your funds. You must have sufficient funds on hand to use your debit card. If you have a credit card, you can borrow the money for the time being and pay it back later.

How to prevent credit card fraud?

There’s no sure-fire way to prevent credit card fraud, so unfortunately holding a credit card also means being vigilant about making sure it doesn’t end up in the wrong hands. Make use of credit card alerts, monitor your transactions closely, be wary of phishing scams and don’t make it easy for others to get hold of your credit card information.

What should I do with my credit card statement?

It might not be the most fun thing to read, but it IS super important to understand your credit card statement. So don’t throw it away without checking it. Of course, after reading the statement you will have to pay your bill – typically through online banking, though some people use ATMs, SAMs, AXS machines or go to the bank in person.

What if I only make the minimum payment on my bill?

Because credit cards are effectively short-term loans, you are meant to pay off your bills in full every month. If you make only the minimum payment each month, you may accrue huge additional costs on top of your bill due to the credit card’s interest rate (typically 24%+)

What are the hidden credit cards benefits?

Did you know? Credit cards benefits include travel insurance coverage and rental car insurance and many other perks such as access to airport lounges however these benefits can vary depending on the credit card issuer and card type. If you are looking for the best car insurance quotes, our specialists will find it for you!

What are SmartPoints?

SmartPoints is MoneySmart’s reward currency. Earn SmartPoints when you apply for financial products through MoneySmart or when you complete actions on MoneySmart. SmartPoints will be credited to your wallet where eligible. You can then use the SmartPoints in your wallet to redeem gifts from the Rewards Store or even convert them to cash.

What can I use SmartPoints for?

SmartPoints can be used to redeem gifts from the Rewards Store or even convert them to cash.