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

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Best Credit Cards With Long Instalment Tenure in Singapore 2024

The top credit cards with extended instalment tenures in Singapore offer a convenient way to break down larger purchases into manageable monthly payments. These cards provide flexibility by allowing users to choose longer repayment periods that suit their financial situation. While considering factors like interest rates and fees, these cards serve as a practical solution for making significant purchases or handling unexpected expenses without impacting your budget.

Search by installment benefit type

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

DBS Esso Card

Minimum Spend For Installment

S$ 100

info

Maximum combined of 10 transactions only.

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 2 %

info

Up to 6% depending on tenure.

Things to consider for this product:

check

Petrol savings

remove

Annual Fee required

DBS Live Fresh Student Card

Minimum Spend For Installment

S$ 100

info

Maximum combined of 10 transactions only.

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 2 %

info

Up to 6% depending on tenure.

Things to consider for this product:

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Mobile contactless rebate

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Local spending rebate

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No income required

remove

Rebate cap applied

DBS yuu Visa Card

Minimum Spend For Installment

S$ 100

info

Maximum combined of 10 transactions only.

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 2 %

info

Up to 6% depending on tenure.

Offer Available

Welcome Offer

S$300 cashback

Valid until

30 April 2025

Things to consider for this product:

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Supermarket rebate

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Dining rebate

remove

Rebate cap applied

remove

Monthly spend required

DBS Vantage Visa Infinite Card

Minimum Spend For Installment

S$ 100

info

Maximum combined of 10 transactions only.

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 2 %

info

Up to 6% depending on tenure.

Offer Available

Welcome Offer

Receive up to 85,000 miles

Valid until

30 April 2025

Things to consider for this product:

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Bonus air miles

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Local spending rebate

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Overseas rebate

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Airport lounge

1.5 miles or 1.5% cashback per S$1 spent locally, such as groceries, shopping and more.
2.2 miles or 2.2% cashback per S$1 spent on overseas purchases in foreign currency.
Receive 25,000 bonus miles when you pay the annual fee of S$550 (exclusive of GST) to renew your membership.
Complimentary Accor Plus Explorer membership with 1 free hotel night stay at Sofitel, Fairmont, Swissotel and over 1000 hotels worldwide.
Complimentary Digital Priority Pass™ Membership and 10 free lounge visits to over 1,300 airport lounges worldwide within each 12-month period of membership.
Members-only dining privileges at over 80 of Singapore’s fine dining establishments, including Michelin-awarded restaurants.
Annual fee of S$588.50 (inclusive of GST) is non-waivable for the first year.
Miles are awarded in the form of DBS Points which are awarded for every S$5 spent.
Each conversion of DBS Points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).

DBS yuu American Express Card

Minimum Spend For Installment

S$ 100

info

Maximum combined of 10 transactions only.

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 2 %

info

Up to 6% depending on tenure.

Offer Available

Welcome Offer

S$300 cashback

Valid until

30 April 2025

Things to consider for this product:

check

Supermarket rebate

check

Dining rebate

remove

Rebate cap applied

remove

Monthly spend required

DBS Woman's Card

Minimum Spend For Installment

$S 100

info

Maximum combined of 10 transactions only.

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 2 %

info

Up to 6% depending on tenure.

Things to consider for this product:

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Online shopping rebate

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Overseas rebate

check

Installment

remove

Rebate cap applied

DBS Altitude Visa Signature Card

Minimum Spend For Installment

S$ 100

info

Maximum combined of 10 transactions only.

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 2 %

info

Up to 6% depending on tenure.

Offer Available

SingSaver Exclusive Offer

Nintendo Switch OLED (worth S$549)

+ 3 other gift options

Valid until

30 April 2025

Things to consider for this product:

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Bonus air miles

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Airport lounge

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No expiry air miles

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Unlimited air miles

DBS Altitude American Express Card

Minimum Spend For Installment

S$ 100

info

Maximum combined of 10 transactions only.

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 2 %

info

Up to 6% depending on tenure.

Offer Available

SingSaver Exclusive Offer

Nintendo Switch OLED (worth S$549)

+ 3 other gift options

Valid until

30 April 2025

Things to consider for this product:

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Bonus air miles

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Airport lounge

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No expiry air miles

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Unlimited air miles

DBS Live Fresh Card

Minimum Spend For Installment

S$ 100

info

Maximum combined of 10 transactions only.

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 2 %

info

Up to 6% depending on tenure.

Offer Available

SingSaver Exclusive Offer

Nintendo Switch OLED (worth S$549)

+ 3 other gift options

Valid until

30 April 2025

Things to consider for this product:

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Online Rebate

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Shopping

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Public transportation

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Rebate cap applied

remove

Monthly spend required

DBS Woman's World Card

Minimum Spend For Installment

S$ 100

info

Maximum combined of 10 transactions only.

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 2 %

info

Up to 6% depending on tenure.

Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Installment

remove

Rebate cap applied

DBS Takashimaya American Express Card

Minimum Spend For Installment

S$ 100

info

Maximum combined of 10 transactions only.

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 2 %

info

Up to 6% depending on tenure.

Offer Available

Welcome Offer

200 Takashimaya Bonus Points (worth S$60) + S$100 Cashback

Valid until

30 June 2025

Things to consider for this product:

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Retail rebate

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Retail discount

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Voucher redeemable

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No rebate cap

DBS Takashimaya Visa Card

Minimum Spend For Installment

S$ 100

info

Maximum combined of 10 transactions only.

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 2 %

info

Up to 6% depending on tenure.

Things to consider for this product:

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Retail rebate

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Retail discount

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Voucher redeemable

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No rebate cap

DBS SAFRA Card

Minimum Spend For Installment

S$ 100

info

Maximum combined of 10 transactions only.

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 2 %

info

Up to 6% depending on tenure.

Things to consider for this product:

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Mobile contactless rebate

check

Online shopping rebate

remove

Monthly spend required

remove

Rebate cap applied

Enjoy up to 3% cash rebate on local contactless spend and online shopping, including bus/train rides via SimplyGo.
Earn 1 SAFRAPOINT for every dollar spent at participating outlets and facilities at SAFRA.
Doubles as your SAFRA Membership Card.
Enjoy exclusive access to 7 SAFRA Clubhouse islandwide.
Combined DBS and SAFRA privileges that include exclusive discounts and perks at over 1,800 merchant outlets.
No annual fee charged as long as you remain a SAFRA memeber. SAFRA membership fees still applies..
Applicant must be an existing SAFRA member.
Must spend a min. of S$500 in a calendar month to earn 3% cash rebate.
Cash rebates earned will be in the form of SAFRA$ and is capped at SAFRA$50 per card account per calendar month.
SAFRA$ earn will expire 12 calendar months from the date it was earned. All expired SAFRA$ will be forfeited.

POSB Everyday Card

Minimum Spend For Installment

S$ 100

info

Maximum combined of 10 transactions only.

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 2 %

info

Up to 6% depending on tenure.

Offer Available

SingSaver Exclusive Offer

Nintendo Switch OLED (worth S$549)

+ 3 other gift options

Valid until

30 April 2025

Things to consider for this product:

check

Food delivery

check

Online shopping rebate

remove

Rebate cap applied

remove

Monthly spend required

Earn 10% cash rebates on food delivery via foodpanda, Deliveroo and WhyQ.
3% cash rebate granted for dining spend (excluding fast food spend).
Enjoy 8% cash rebates on Shopee, Lazada, Amazon.sg, Qoo10, RedMart, iHerb, Taobao and Popular Online Store.
Get 5% cash rebates at Sheng Siong supermarkets.
Up to 3% cash rebates on your utilities and telecommunication payments.
Earn 6% cash rebates at SPC and 0.3% cash rebates at Watson.
0.3% cash rebates on all other transactions.
Cash rebates never expire.
Read our full review of the POSB Everyday Card.
Min. spend of S$800 per calendar month required for accelerated cash rebate earn rate.
S$15 monthly cash rebate cap for dining and online spending categories respectively.
S$30 monthly cash rebate cap for groceries.

American Express Platinum Card

Minimum Spend For Installment

S$ 250

info

May differ with each participating merchant.

Installment Rate

0 %

info

At participating Pay Small Merchants.

Installment Tenure

Up to 24 months

Installment Processing Fee

No processing Fee

Offer Available

Welcome Offer

160,000 Membership Rewards® points

Valid until

28 May 2025

Things to consider for this product:

check

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.
Complimentary Access into Tower Club.
Membership Rewards Points never expire.
Up to 50% savings at premium dining locations with Love Dining by Platinum.
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).
Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.

American Express Platinum Credit Card

Minimum Spend For Installment

S$ 250

info

May differ with each participating merchant.

Installment Rate

0 %

info

At participating Pay Small Merchants.

Installment Tenure

Up to 24 months

Installment Processing Fee

No processing Fee

Offer Available

Welcome Offer

S$200 Statement Credits + 1,250 Membership Rewards® points

Valid until

28 May 2025

Things to consider for this product:

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Unlimited air miles

check

Dining savings

remove

Annual Fee required

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Minimum Spend for Installment

S$ 250

info

May differ with each participating merchant.

Installment Rate

0 %

info

At participating Pay Small Merchants.

Installment Tenure

Up to 24 months

Installment Processing Fee

No processing Fee

Offer Available

Welcome Offer

Up to 40,000 KrisFlyer miles (enough to redeem a return trip to Taipei* on Singapore Airlines)

+ 1 other gift options

Valid until

28 May 2025

Things to consider for this product:

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Unlimited air miles

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Travel insurance

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Annual Fee required

From 1 Feb till 31 Jul 2025, new and existing American Express Singapore Airlines KrisFlyer Ascend Credit Card Members can be fast tracked to KrisFlyer Elite Gold membership with S$16,000 on all eligible purchases, including a minimum spending of S$6,000 on eligible Singapore Airlines and Scoot flight bookings. T&Cs apply.
Get a complimentary night stay at participating Hilton properties each year.
Receive a Foreign Spend Miles Redemption Voucher for 18,000 KrisFlyer miles when you spend the equivalent of S$10,000 or more in foreign currency within the qualifying period.
Receive a Renewal Miles Redemption Voucher for 10,000 KrisFlyer miles after American Express receives payment of the renewal annual membership fee each year.
Earn 2 KrisFlyer miles for every S$1 spent on eligible Singapore Airlines and Scoot flight bookings, and KrisShop purchases, with no cap.
Earn up to 2 KrisFlyer miles for every S$1 spent on eligible Grab Singapore transactions, up to S$200 spend in each calendar month.
Earn 1.2 KrisFlyer miles for every S$1 spent on all other eligible purchases, with no cap.
Hassle-free conversion with no transfer fee
Read our full review of the American Express Singapore Airlines KrisFlyer Ascend Credit Card.
Annual fee: S$397.85 (inclusive of GST) must be paid to enjoy welcome offers.
Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.

Gift Options

Up to 40,000 KrisFlyer miles (enough to redeem a return trip to Taipei* on Singapore Airlines); or
Fast-track to KrisFlyer Elite Gold membership (spend S$16,000 on eligible purchases)

American Express Singapore Airlines Business Credit Card

Minimum Spend For Installment

S$ 250

info

May differ with each participating merchant.

Installment Rate

0 %

info

At participating Pay Small Merchants.

Installment Tenure

Up to 24 months

Installment Processing Fee

No processing fee

Offer Available

Welcome Offer

S$300 Statement Credits

Valid until

28 May 2025

Things to consider for this product:

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Bonus air miles

check

Airport lounge

check

Air ticket rebate

remove

Rebate cap applied

Earn up to 8 HighFlyer points per S$1 spent on eligible Singapore Airlines and Scoot flights (worth 8 KrisFlyer miles).
Earn 1.2 HighFlyer points per S$1 spent on all eligible purchases (worth 1.2 KrisFlyer miles) with no cap.
Convert HighFlyer points to KrisFlyer miles at a 1:1 rate, up to 150,000 KrisFlyer miles (usual: 100,000 KrisFlyer miles) per eligible KrisFlyer account annually with no limit on the number of KrisFlyer accounts linked.
Be the first from your business to spend S$15,000 or more on eligible Singapore Airlines and Scoot flight bookings within the first 12 months of Card Membership to be eligible for an upgrade to the KrisFlyer Elite Gold membership tier. Each business is eligible for this benefit once.
Complimentary Accor Plus membership worth S$418 offering a free night’s stay every year and up to 50% dining discounts
Redeem KrisFlyer Elite Gold membership tier at 100,000 HighFlyer points (usual: 125,000 HighFlyer points). Subject to the terms and conditions of the Singapore Airlines HighFlyer Programme .
Receive 6,000 HighFlyer points after American Express receives payment of the renewal annual membership fee each year.
If your business is new to Singapore Airlines HighFlyer, your business may receive 10,000 HighFlyer points awarded by Singapore Airlines upon the first flown flight booking by a corporate traveler from your business that is purchased via the Singapore Airlines corporate portal, within the first 12 months of the first Card approval. Each business is eligible for this benefit once.
Please refer to the American Express website for the most up to date information on card benefits and its terms & conditions.

Citi Cash Back+ Card

Minimum Spend For Installment

S$ 250

Installment Rate

0 %

Installment Tenure

Up to 36 months

Installment Processing Fee

From 0.5 %

info

Up to 5% depend on tenure.

3 Offers Available

SingSaver Concert Giveaway

Get 1x chance to win a VIP Suite Concert Experience

Valid until

04 May 2025

SingSaver Exclusive Offer

S$400 Cash via PayNow

Valid until

04 May 2025

SingSaver Exclusive Offer

2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025)

Valid until

04 May 2025

SingSaver Exclusive Offer

Dyson Supersonic™ hair dryer (worth S$649)

Valid until

04 May 2025

SingSaver Exclusive Offer

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

04 May 2025

SingSaver Exclusive Offer

Dyson V12 Origin (worth S$749)

Valid until

04 May 2025

SingSaver Exclusive Offer

DJI Osmo Action 5 Pro Standard Combo (worth S$489)

Valid until

04 May 2025

Upgrade Your Rewards with a Simple Top-Up

Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up

Valid until

04 May 2025

Things to consider for this product:

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No rebate cap

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No monthly spend required

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Annual Fee waiver

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High-value gift

Gift Options

Get 1x chance to win a VIP Suite Concert Experience

Gift Options

S$400 Cash via PayNow; or
2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025); or
Dyson Supersonic™ hair dryer (worth S$649); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
Dyson V12 Origin (worth S$749); or
DJI Osmo Action 5 Pro Standard Combo (worth S$489)

Gift Options

Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up

(Creatory Exclusive) Citi Cash Back+ Card

Minimum Spend For Installment

S$ 250

Installment Rate

0 %

Installment Tenure

Up to 36 months

Installment Processing Fee

From 0.5 %

info

Up to 5% depend on tenure.

Things to consider for this product:

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No rebate cap

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No monthly spend required

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Annual Fee waiver

check

High-value gift

(Fast Fulfillment Rewards) Citi Cash Back+ Card

Minimum Spend For Installment

S$ 250

Installment Rate

0 %

Installment Tenure

Up to 36 months

Installment Processing Fee

From 0.5 %

info

Up to 5% depend on tenure.

Things to consider for this product:

check

No rebate cap

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No monthly spend required

check

Annual Fee waiver

check

High-value gift

(Dobin Exclusive) Citi Cash Back+ Card

Minimum Spend For Installment

S$ 250

Installment Rate

0 %

Installment Tenure

Up to 36 months

Installment Processing Fee

From 0.5 %

info

Up to 5% depend on tenure.

Offer Available

Dobin Exclusive Offer

3,200 Dobin$

Valid until

30 April 2025

Things to consider for this product:

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No rebate cap

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No monthly spend required

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Annual Fee waiver

check

High-value gift

(Heymax Exclusive) Citi Cash Back+ Card

Minimum Spend For Installment

S$ 250

Installment Rate

0 %

Installment Tenure

Up to 36 months

Installment Processing Fee

From 0.5 %

info

Up to 5% depend on tenure.

Offer Available

Heymax Exclusive Offer

17,000 Max Miles

Valid until

30 April 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

Maybank Visa Infinite Card

Minimum Spend For Installment

S$ 300

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 0 %

info

Up to 6% depending on tenure. From now till 30 September 2023, enjoy S$0 processing fee when you apply for an instalment period of 3 months.

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

remove

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.

CIMB World Mastercard

Minimum Spend For Installment

S$ 300

info

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

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

2 Offers Available

SingSaver Exclusive Offer

S$50 Cash via PayNow

Valid until

30 April 2025

Welcome Offer

Up to S$188 Cashback

Valid until

31 July 2025

Things to consider for this product:

check

No rebate cap

check

Food delivery

check

Annual Fee waiver

remove

Monthly spend required

Maybank Platinum Visa Card

Minimum Spend For Installment

S$ 300

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 0 %

info

Up to 6% depending on tenure From now till 30 September 2023, enjoy S$0 processing fee when you apply for an instalment period of 3 months.

Things to consider for this product:

check

Local spending rebate

check

Overseas rebate

check

Annual Fee waiver

remove

Rebate cap applied

Maybank World Mastercard

Minimum Spend For Installment

S$ 300

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 0 %

info

Up to 6% depending on tenure From now till 30 September 2023, enjoy S$0 processing fee when you apply for an instalment period of 3 months.

Things to consider for this product:

check

Dining rebate

check

Retail rebate

check

Petrol rebate

check

Airport lounge

Maybank FC Barcelona Visa Signature Card

Minimum Spend For Installment

S$ 300

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 0 %

info

Up to 6% depending on tenure From now till 30 September 2023, enjoy S$0 processing fee when you apply for an instalment period of 3 months.

Things to consider for this product:

check

Annual Fee waiver

check

No monthly spend required

check

No rebate cap

check

Overseas rebate

CIMB Visa Signature Card

Minimum Spend For Installment

S$ 300

info

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

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

2 Offers Available

SingSaver Exclusive Offer

S$50 Cash via PayNow

Valid until

30 April 2025

Welcome Offer

Up to S$188 Cashback

Valid until

31 July 2025

Things to consider for this product:

check

Online shopping rebate

check

Supermarket rebate

check

Annual Fee waiver

remove

Rebate cap applied

Maybank DUO Platinum Mastercard

Minimum Spend For Installment

S$ 300

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 0 %

info

Up to 6% depending on tenure From now till 30 September 2023, enjoy S$0 processing fee when you apply for an instalment period of 3 months.

Things to consider for this product:

check

Petrol rebate

check

Overseas rebate

check

Travel insurance

check

Annual Fee waiver

Maybank Manchester United Platinum Visa Credit Card

Minimum Spend For Installment

S$ 300

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 0 %

info

Up to 6% depending on tenure From now till 30 September 2023, enjoy S$0 processing fee when you apply for an instalment period of 3 months.

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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No rebate cap

check

Travel insurance

Winner - Travel Credit Card of the Year by The Digital Banker Winner - Best Travel Credit Card by TripZilla

Maybank Horizon Visa Signature Card

Minimum Spend For Installment

S$ 300

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 0 %

info

Up to 6% depending on tenure From now till 30 September 2023, enjoy S$0 processing fee when you apply for an instalment period of 3 months.

Things to consider for this product:

check

Overseas/Foreign spend

check

Air tickets

check

Dining

remove

Rebate cap applied

UOB Visa Infinite Metal Card

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Things to consider for this product:

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Airport lounge

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Bonus air miles

check

Overseas rebate

remove

Annual Fee required

UOB Professionals Platinum Card

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 12 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Things to consider for this product:

check

Dining savings

check

Petrol savings

check

Annual Fee waiver

check

Retail rebate

UOB UnionPay Platinum Card

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 12 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Things to consider for this product:

check

Local spending rebate

check

No monthly spend required

check

Petrol savings

remove

Rebate cap applied

UOB One Card

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Offer Available

Welcome Offer

S$350 cash credit

Valid until

30 April 2025

Things to consider for this product:

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Supermarket rebate

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Grab/taxi rebate

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Monthly spend required

remove

Rebate cap applied

UOB PRVI Miles American Express Card

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

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 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
4 complimentary lounge visits per calendar year for principal cardmembers.
Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
PRVI Miles Amex Exclusive: 20,000 loyalty miles with min. S$50,000 annual spend
PRVI Miles Amex Exclusive: Up to 8 complimentary airport transfers annually with min. S$1,000 overseas spend per quarter
Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Choice to redeem for miles, cashback, or vouchers.
No minimum spend and no cap on earned miles
2 year points expiry.
Annual fee of S$261.60
Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

UOB Lady's Solitaire Card

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Things to consider for this product:

check

Local spending rebate

check

Installment

check

No monthly spend required

remove

Rebate cap applied

UOB PRVI Miles Visa Card

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Things to consider for this product:

check

Bonus air miles

check

Unlimited air miles

check

Travel insurance

check

No monthly spend required

Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
4 complimentary lounge visits per calendar year for principal cardmembers.
Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account.
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Choice to redeem for miles, cashback, or vouchers.
No minimum spend and no cap on earned miles
Annual fee of S$261.60
Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

KrisFlyer UOB Credit Card

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Things to consider for this product:

check

KrisFlyer miles

check

Unlimited miles

check

1st year annual fee waiver

UOB Absolute Cashback Card

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Offer Available

Welcome Offer

S$350 cash credit

Valid until

30 April 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Insurance rebate

check

Local spending rebate

UOB EVOL Card

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Offer Available

Welcome Offer

S$350 cash credit

Valid until

30 April 2025

Things to consider for this product:

check

Online shopping rebate

check

Mobile contactless rebate

check

Overseas in-store FX spend rebate

remove

Monthly spend required

remove

Rebate cap applied

HSBC TravelOne Credit Card

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

3 Offers Available

SingSaver Concert Giveaway

Get 1x chance to win a VIP Suite Concert Experience

Valid until

04 May 2025

Upgrade Your Rewards with a Simple Top-Up

Save S$514 on a Sony PlayStation® 5 Digital Edition (Slim) (worth S$669) with a S$155 top up

+ 1 other gift options

Valid until

04 May 2025

SingSaver Exclusive Offer

Dyson Airstrait™ straightener (worth S$799)

Valid until

04 May 2025

SingSaver Exclusive Offer

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

04 May 2025

SingSaver Exclusive Offer

S$400 Cash via PayNow

Valid until

04 May 2025

SingSaver Exclusive Offer

Dyson V12 Origin (worth S$749)

Valid until

04 May 2025

SingSaver Exclusive Offer

GoPro HERO13 Black Action Camera (worth $590)

Valid until

04 May 2025

Things to consider for this product:

check

Unlimited air miles

check

Airport lounge

check

Travel insurance

check

Bonus air miles

Gift Options

Get 1x chance to win a VIP Suite Concert Experience

Gift Options

Save S$514 on a Sony PlayStation® 5 Digital Edition (Slim) (worth S$669) with a S$155 top up; or
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up

Gift Options

Dyson Airstrait™ straightener (worth S$799); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
S$400 Cash via PayNow; or
Dyson V12 Origin (worth S$749); or
GoPro HERO13 Black Action Camera (worth $590)

UOB Visa Signature Card

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 12 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Things to consider for this product:

check

Petrol rebate

check

Overseas rebate

check

Mobile contactless rebate

remove

Rebate cap applied

UOB Lady's Card

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Things to consider for this product:

check

Local & Overseas spending rewards

check

Installment

check

No monthly spend required

remove

Monthly rewards cap applies.

UOB PRVI Miles World MasterCard

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Things to consider for this product:

check

Bonus air miles

check

Unlimited air miles

check

Travel insurance

check

No monthly spend required

Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
4 complimentary lounge visits per calendar year for principal cardmembers.
Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account.
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Choice to redeem for miles, cashback, or vouchers.
No minimum spend and no cap on earned miles
Annual fee of S$261.60
Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

UOB Preferred Platinum Visa Card

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 12 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Things to consider for this product:

check

Online shopping rebate

check

Mobile contactless rebate

check

Installment

remove

Rebate cap applied

(Creatory Exclusive) HSBC TravelOne Credit Card

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Things to consider for this product:

check

Unlimited air miles

check

Airport lounge

check

Travel insurance

check

Bonus air miles

(Fast Fulfillment Rewards) HSBC TravelOne Credit Card

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Things to consider for this product:

check

Unlimited air miles

check

Airport lounge

check

Travel insurance

check

Bonus air miles

(Heymax Exclusive) HSBC TravelOne Credit Card

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Offer Available

Heymax Exclusive Offer

12,000 Max Miles

Valid until

30 April 2025

Things to consider for this product:

check

Unlimited air miles

check

Airport lounge

check

Travel insurance

check

Bonus air miles

(Dobin Exclusive) HSBC TravelOne Credit Card

Minimum Spend For Installment

S$ 500

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 3 %

info

Up to 5% depending on tenure.

Offer Available

Dobin Exclusive Offer

2,400 Dobin$

Valid until

30 April 2025

Things to consider for this product:

check

Unlimited air miles

check

Airport lounge

check

Travel insurance

check

Bonus air miles

How does a Credit Card With Long Instalment Tenure work?

A credit card with extended instalment tenure lets you split significant purchases into manageable monthly payments over a longer period. You choose the plan's length, and the total cost is divided into fixed payments with potentially lower interest rates.

See Moreexpand_more

How to best use a Credit Card With Long Instalment Tenure?

To make the most of a credit card with a long instalment tenure, follow these strategies:
Plan ahead
Consider using this feature for larger, planned expenses like electronics, appliances, or vacations, where breaking down the cost over time is beneficial.

See Moreexpand_more

Who should use a Credit Card With Long Instalment Tenure?

A credit card with a long instalment tenure is suitable for individuals who want to manage larger expenses over time without impacting their immediate cash flow. This option can be particularly beneficial for these types of users:

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Things to look out for when choosing a Credit Card With Long Instalment Tenure?

When choosing a Credit Card With Long Instalment Tenure, there are several important factors to consider to ensure you're making the right choice. Here are some things to look out for:

Interest rates
Check the annual percentage rate (APR) or interest rate associated with the instalment plan. A longer tenure might come with a higher interest rate, which can significantly increase the total cost of the purchase over time.
However in Singapore, most if not all, instalment plans offered by banks and credit cards are interest-free for a selected tenure.

Processing fees
Some credit cards might charge processing fees for setting up instalment plans. Make sure to understand these fees and factor them into your decision.

Minimum purchase
Check if there's a minimum purchase amount required to qualify for the instalment plan. You don't want to be forced to spend more than you intended just to access the plan.

Credit limit impact
Keep in mind that the amount you use for the instalment plan will reduce your available credit limit. This could affect your ability to make other purchases or cover emergencies.

Early repayment
Find out if you're allowed to pay off the instalment plan early without incurring additional fees. Some plans penalise you for early repayment, while others might allow it. In general, it’s not advisable to pay off your instalment plan prematurely because you’ll most likely incur a penalty fee.

For example, an administrative charge of S$150 will be levied for change in tenure, early repayment and/or card account termination/closure for the DBS My Preferred Payment Plan. More details can be found in their T&Cs.

Flexibility
Consider how flexible the card issuer is with the instalment plan. Can you change the tenure or amount if your circumstances change? Look for a plan that allows some level of flexibility. As shown in the above point, some banks do penalise tenure change in the same way as premature repayments. So it’s best to not adjust your plan’s tenure unless necessary.

Credit card terms
If you’re opting for an instalment plan via your credit card, ensure to review the overall terms and conditions of the credit card, not just the instalment plan. Consider factors like annual fees, rewards, cashback, and any other benefits the card offers.

Examples of credit cards offering direct instalment plan options include the OCBC NXT Card, OCBC Cashflo Great Eastern Card, and Standard Chartered Smart Card.
Meanwhile, many credit cards are also eligible/participate in their bank’s instalment plans like DBS Woman’s Card/DBS Woman’s World Card (under DBS My Preferred Payment Plan) and AMEX Singapore Airlines KrisFlyer/KrisFlyer Ascend Card (under AMEX Pay Small Payment Plan).

Late payment policies
Understand the consequences of missing an instalment payment. Some credit cards might impose high late fees or even terminate the instalment plan if you miss a payment.

Credit score impact
Opening an instalment plan might affect your credit score. While responsible repayment can have a positive impact, having a large balance relative to your credit limit could potentially lower your score.

Comparing between instalment plans & other financing options
Don't settle for the first option you come across. Research and compare instalment plans from different credit card providers to find the one that best suits your needs in terms of interest rates, fees, and flexibility.

Additionally, consider whether a credit card instalment plan is even the best choice in the first place, compared to other financing options like personal loans or other credit lines. This depends more on your financial situation at hand.

See Moreexpand_more

What is a credit card EMI?

expand_more

A credit card EMI (Equated Monthly Installment) lets you convert big purchases into fixed monthly payments over a set period.

You select the repayment duration and interest rate, if applicable. The total cost is divided into equal instalments, helping you manage larger expenses. Timely payments are crucial to avoid penalties, and successful EMI management can positively impact your credit score.

Be aware of associated fees and eligibility criteria before opting for an EMI. It's a practical way to make significant purchases more manageable.

How is a credit card EMI calculated?

expand_more

A credit card EMI is calculated using the formula: EMI = [P x R x (1+R)^N] / [(1+R)^N-1], where P is the principal amount, R is the monthly interest rate, and N is the repayment tenure in months. For example, a S$1,000 purchase with a 12% annual interest rate for a 12-month EMI plan would result in an approximate monthly EMI of S$89.79.

Some EMIs offer 0% interest, simplifying the calculation to EMI = P / N. Always review issuer terms for precise calculations and additional fees.

What is the average tenure of credit card instalments?

expand_more

The average tenure for credit card installment plans varies but generally ranges from 3 to 36 months. Short-term tenures (3 - 6 months) are for smaller expenses, medium-term (6 - 12 months) for moderate purchases, and long-term (12 - 36 months) for larger items. Specific terms depend on the issuer and purchase type.

Best Credit Cards With Long Instalment Tenure in Singapore 2024

DBS Esso Card

Things to consider for this product:

Quick Facts

DBS Live Fresh Student Card

Things to consider for this product:

Quick Facts

DBS yuu Visa Card

Offer Available

Things to consider for this product:

Quick Facts

DBS Vantage Visa Infinite Card

Offer Available

Things to consider for this product:

Quick Facts

DBS yuu American Express Card

Offer Available

Things to consider for this product:

Quick Facts

DBS Woman's Card

Things to consider for this product:

Quick Facts

DBS Altitude Visa Signature Card

Offer Available

Things to consider for this product:

Quick Facts

DBS Altitude American Express Card

Offer Available

Things to consider for this product:

Quick Facts

DBS Live Fresh Card

Offer Available

Things to consider for this product:

Quick Facts

DBS Woman's World Card

Things to consider for this product:

Quick Facts

DBS Takashimaya American Express Card

Offer Available

Things to consider for this product:

Quick Facts

DBS Takashimaya Visa Card

Things to consider for this product:

Quick Facts

DBS SAFRA Card

Things to consider for this product:

Quick Facts

POSB Everyday Card

Offer Available

Things to consider for this product:

Quick Facts

American Express Platinum Card

Offer Available

Things to consider for this product:

Quick Facts

American Express Platinum Credit Card

Offer Available

Things to consider for this product:

Quick Facts

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Offer Available

Things to consider for this product:

Quick Facts

American Express Singapore Airlines Business Credit Card

Offer Available

Things to consider for this product:

Quick Facts

Citi Cash Back+ Card

3 Offers Available

Things to consider for this product:

Quick Facts

(Creatory Exclusive) Citi Cash Back+ Card

Things to consider for this product:

Quick Facts

(Fast Fulfillment Rewards) Citi Cash Back+ Card

Things to consider for this product:

Quick Facts

(Dobin Exclusive) Citi Cash Back+ Card

Offer Available

Things to consider for this product: