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Here is a thorough overview to the best credit cards in Singapore with 0% interest plans for 2024! 0% installment plans are now considered to be effective financial management solutions for consumers that are cost cautious. This comprehensive review explores the best credit cards with 0% interest payment plans so you can spread out the payments for large purchases without paying interest.
These credit cards enable you to simply and inexpensively manage costs, whether you’re eyeing that new device, organizing a dream vacation, or thinking about home upgrades. Come along with us as we identify Singapore’s top credit cards with 0% interest plans so you may make wise choices and achieve financial freedom in 2024 and beyond.
Best 0% Instalment Plan Credit Cards in Singapore 2024
Standard Chartered Smart Credit Card
| Cashback from Netflix, Spotify, fast food joints and more | 6%* |
| Annual Fee | S$0 |
| Minimum Spend | S$0 |
Get a Sony LinkBuds S Earbuds (worth S$309) or a Lenovo Tab M10 Gen 3 (worth S$299.01) or up to S$230 Cash via PayNow when you apply and meet the relevant spend criteria!
0% Instalment Features:
- 3-month interest-free instalments with no service fees
CIMB World Mastercard
| Minimum Amount | S$500 |
| Processing Fee | 3% to 5% |
| Tenure | 6 to 24 Months |
Get S$280 Cash via PayNow, in as fast as 2-3 months when you apply and spend a min of S$988.
0% Instalment Features:
- With CIMB 0% i.Pay Plan (IPP) enjoy 0% interest instalment payments with a one time processing fee
- A one time processing fee of 3% of transaction amount for 6 to 12 months and 5% for 24 months tenure
- Earn cash rebates on instalment payment plan and save on your daily expenses
- Minimum of S$500 and maximum of S$30K can be converted per transaction
DBS Altitude American Express Card
| Minimum Amount | S$100 |
| Processing Fee | 0% |
| Tenure | 3 to 24 Months |
Get up to 60,000 miles when you apply, pay the card’s annual fee and charge a min. spend of S$3,000 within 60 days from card approval date.
0% Instalment Features:
- Split your shopping bills, insurance and taxes with DBS Payment Plans
Standard Chartered Rewards+ Credit Card
| Minimum Amount | S$500 |
| Processing Fee | 5% |
| Tenure | 6 or 12 Months |
Get a Sony LinkBuds S Earbuds (worth S$309) or a Lenovo Tab M10 Gen 3 (worth S$299.01) or up to S$230 Cash via PayNow when you apply and meet the relevant spend criteria!
0% Instalment Features:
- Standard Chartered EasyPay (0% instalment plan for up to 12 months)
- Minimum transaction of S$500 required to convert into 0% IPP
- A one time service fee of 5% will be charged on the transaction amount
- A one time cancellation fee of S$150 is applicable for early repayment or termination of the card
CIMB Visa Signature
| Minimum Amount | S$500 |
| Processing Fee | 3% to 5% |
| Tenure | 6 to 24 Months |
Get S$280 Cash via PayNow, in as fast as 2-3 months when you apply and spend a min of S$988.
0% Instalment Features:
- With CIMB 0% i.Pay Plan (IPP) enjoy 0% interest instalment payments from 6 to 24 months
- A one time processing fee of 3% of transaction amount for 6 to 12 months and 5% for 24 months tenure
- Earn cash rebates on instalment payment plan and save on your daily expenses.
- Minimum of S$500 and maximum of S$30K can be converted per transaction
CIMB Visa Infinite
| Minimum Amount | S$500 |
| Processing Fee | 3% to 5% |
| Tenure | 6 to 24 Months |
Get S$280 Cash via PayNow, in as fast as 2-3 months when you apply and spend a min of S$988.
0% Instalment Features:
- With CIMB 0% i.Pay Plan (IPP) enjoy 0% interest instalment payments with a one time processing fee
- A one time processing fee of 3% of transaction amount for 6 to 12 months and 5% for 24 months tenure
- Earn cash rebates on instalment payment plan and save on your daily expenses
- Minimum of S$500 and maximum of S$30K can be converted per transaction
UOB Lady’s Card
| Minimum Amount | S$500 |
| Interest p.a. | 0% |
| Tenure | 6 or 12 month |
Get S$350 Cash Credit from UOB when you are the first 200 new-to-UOB customers who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month, for 2 consecutive months from the card approval date.
0% Instalment Features:
- UOB Lady’s LuxePay Plan – Put your new luxury purchase (shoes and bags) worth S$500 or more (local, online or overseas) on a 0% p.a. 6 or 12-month instalment payment plan, absolutely free
American Express Singapore Airlines KrisFlyer Ascend Credit Card
| Local Spend | S$1 = 1.2 miles |
| Overseas Spend | S$1 = 2 miles |
| at participating Pay Small merchants | 0% Interest Installment |
New American Express cardholder can get S$300 eCapitaVouchers AND up to 17,000 KrisFlyer miles (enough to redeem a Return Trip to Bali*) when you pay the card’s annual fee and spend a min. of S$1,000 within the first month of card approval.
Existing cardholders can get up to 34,000 KrisFlyer Miles when you pay the card’s annual fee and spend a min. of S$1,000 within the first month of card approval.
0% Instalment Features:
- 0% interest instalment at participating Pay Small merchants
American Express Singapore Airlines KrisFlyer Credit Card
| Local Spend | S$1 = 1.1 Miles |
| Overseas Spend during June and December, with no cap | S$1 = 2 Miles |
| at participating Pay Small merchants | 0% Interest Installment |
Online Promo:
New American Express cardholder can get S$100 eCapitaVouchers AND up to 17,000 KrisFlyer miles (enough to redeem a Return Trip to Bali*) when you spend a min. of S$500 within the first month of card approval.
0% Instalment Features:
- 0% interest instalment at participating Pay Small merchants
DBS Altitude Visa Signature Card
| Minimum Amount | S$100 |
| Processing Fee | 0% |
| Tenure | 3 to 24 months |
Get up to 53,000 miles when you apply, pay the card’s annual fee and charge a min. spend of S$3,000 within 60 days from card approval date.
0% Instalment Features:
- Split your shopping bills, insurance and taxes with DBS Payment Plans
In conclusion, the realm of 0% instalment plan credit cards in Singapore for 2024 offers a gateway to smart and cost-effective financial management. By leveraging these cards, you can enjoy the flexibility of spreading payments for large purchases without worrying about interest charges. Remember to assess factors such as repayment terms, fees, and additional benefits when choosing the best 0% instalment plan credit card for your needs.
With strategic planning and responsible usage, these cards can be valuable tools in achieving your financial goals and making big-ticket purchases more manageable. Here’s to a year of savvy spending and financial empowerment with the best 0% instalment plan credit cards in Singapore!
Do check out our list of Best Personal Loans with Low Interest Rates in Singapore for 2024 and have time to check their services.
Frequently Asked Questions
FAQs
What are 0% instalment plan credit cards, and how do they work?
What types of purchases are eligible for 0% instalment plans with these credit cards?
How can I apply for a 0% instalment plan with my credit card in Singapore?
Are there any fees associated with 0% instalment plans on credit cards?
Can I convert existing credit card purchases into a 0% instalment plan?
What are the repayment terms for 0% instalment plans on credit cards in Singapore?
Do 0% instalment plan credit cards offer any additional benefits or rewards?
Can I cancel or change a 0% instalment plan after it has been initiated?
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