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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.

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0 Processing Fee All 0% Interest Rate Installment Cards Long Tenure Installment
See All Prizes
 
Frame 1658
8x Apple iPad
(each worth $679)
Frame 1659
8x Dyson AirwrapTM styler
(each worth $849)
Frame 1660
8x Nintendo Switch OLED
(each worth $549)
Frame 1661
8x Playstation®5 consoles
(each worth $799)

 

UOB Visa Infinite Metal Card

UOB Visa Infinite Metal Card

Installment Rate
0  %
Installment Tenure
Up to 24  months
Minimum Spend For Installment
S$ 500
Minimum Annual Income
S$ 120,000

Things to consider for this product:

check

Airport lounge

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Bonus air miles

check

Overseas rebate

remove

Annual Fee required

UOB Professionals Platinum Card

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:

check

Dining savings

check

Petrol savings

check

Annual Fee waiver

check

Retail rebate

UOB UnionPay Platinum Card

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:

check

Local spending rebate

check

No monthly spend required

check

Petrol savings

remove

Rebate cap applied

Fastest Cash Fulfillment
Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

Installment Rate
0  %
Installment Tenure
3  months
Minimum Spend For Installment
S$ 500
Minimum Annual Income
S$ 30,000

5 Offers Available

SingSaver Sure Win, Sure Huat!
Get 1x Red Packet worth up to S$8,888!
Get 1x Red Packet worth up to S$8,888!

Valid until

26 January 2025

Highest Cash Reward; 4 Weeks Fulfilment
S$208 Cash via PayNow
S$208 Cash via PayNow

Valid until

26 January 2025

Richest Offer in the Market; Exclusively on SingSaver
Apple AirPods 4th Gen with Active Noise Cancelling (worth S$249)
Apple AirPods 4th Gen with Active Noise Cancelling (worth S$249)

Valid until

26 January 2025

Richest Offer in the Market; Exclusively on SingSaver
2x Apple HomePod mini Bundle (worth S$280.50)
2x Apple HomePod mini Bundle (worth S$280.50)

Valid until

26 January 2025

Upgrade Your Rewards with a Simple Top-Up
Save S$499 on a Flujo Ayla Ergonomic Office Chair (worth S$799) by upgrading your reward with a top up
Save S$499 on a Flujo Ayla Ergonomic Office Chair (worth S$799) by upgrading your reward with a top up

Valid until

02 February 2025

Upgrade Your Rewards with a Simple Top-Up
Save S$549 on a Xiaomi Robot Vacuum X20 (worth S$699) by upgrading your reward with a top up
Save S$549 on a Xiaomi Robot Vacuum X20 (worth S$699) by upgrading your reward with a top up

Valid until

02 February 2025

SC Million Reasons to be Happier Promotion
Porsche Taycan Electric
Porsche Taycan Electric

Valid until

28 February 2025

Things to consider for this product:

check

Bonus air miles

check

Public transportation

check

Installment

check

No Annual Fee

DBS Live Fresh Student Card

DBS Live Fresh Student Card

Installment Rate
0  %
Installment Tenure
Up to 24  months
Minimum Spend For Installment
S$ 100
info
Minimum Annual Income
None

Things to consider for this product:

check

Mobile contactless rebate

check

Local spending rebate

check

No income required

remove

Rebate cap applied

American Express Platinum Card

American Express Platinum Card

Installment Rate
0  %
info
Installment Tenure
Up to 24  months
Minimum Spend For Installment
S$ 250
info
Minimum Annual Income
Conditional
info

Offer Available

Welcome Offer
S$800 Statement Credits + Samsonite Choca Spinner 68/25 (worth S$700) + 10,000 Membership Rewards® Points
S$800 Statement Credits + Samsonite Choca Spinner 68/25 (worth S$700) + 10,000 Membership Rewards® Points

Valid until

16 February 2025

Things to consider for this product:

check

Bonus air miles

check

Dining savings

check

Airport lounge

remove

Annual Fee required

UOB PRVI Miles American Express Card

UOB PRVI Miles American Express 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
58,000 miles upon SMS registration and fulfilling spend requirement
58,000 miles upon SMS registration and fulfilling spend requirement

Valid until

31 January 2025

Welcome Offer
38,000 miles with 1st year annual fee waived
38,000 miles with 1st year annual fee waived

Valid until

31 January 2025

Things to consider for this product:

check

Bonus air miles

check

Unlimited air miles

check

Travel insurance

check

No monthly spend required

American Express Platinum Credit Card

American Express Platinum Credit Card

Installment Rate
0  %
info
Installment Tenure
Up to 24  months
Minimum Spend For Installment
S$ 250
info
Minimum Annual Income
Conditional
info

Offer Available

Welcome Offer
Up to S$300 Statement Credits + 1,250 Membership Rewards® points
Up to S$300 Statement Credits + 1,250 Membership Rewards® points

Valid until

16 February 2025

Things to consider for this product:

check

Unlimited air miles

check

Dining savings

remove

Annual Fee required

UOB Lady's Solitaire Card

UOB Lady's Solitaire Card

Installment Rate
0  %
Installment Tenure
Up to 24  months
Minimum Spend For Installment
S$ 500
Min. Annual Income
S$ 120,000

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

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
58,000 miles upon SMS registration and fulfilling spend requirement
58,000 miles upon SMS registration and fulfilling spend requirement

Valid until

31 January 2025

Welcome Offer
38,000 miles with 1st year annual fee waived
38,000 miles with 1st year annual fee waived

Valid until

31 January 2025

Things to consider for this product:

check

Bonus air miles

check

Unlimited air miles

check

Travel insurance

check

No monthly spend required

Maybank World Mastercard

Maybank World Mastercard

Installment Rate
0  %
Installment Tenure
Up to 24  months
Minimum Spend For Installment
S$ 300
Minimum Annual Income
S$ 80,000

2 Offers Available

SingSaver Sure Win, Sure Huat!
Get 1x Red Packet worth up to S$8,888!
Get 1x Red Packet worth up to S$8,888!

Valid until

26 January 2025

Welcome Offer
Samsonite ENOW Spinner 69/25 EXP (worth S$570)
Samsonite ENOW Spinner 69/25 EXP (worth S$570)

Valid until

31 January 2025

Welcome Offer
S$200 cashback
S$200 cashback

Valid until

31 January 2025

Things to consider for this product:

check

Dining rebate

check

Retail rebate

check

Petrol rebate

check

Airport lounge

KrisFlyer UOB Credit Card

KrisFlyer UOB Credit Card

Installment Rate
0  %
Installment Tenure
Up to 24  months
Minimum Spend For Installment
S$ 500
Minimum Annual Income
S$ 30,000

Offer Available

Welcome Offer
31,000 miles plus first year annual fee waived (S$194.40 incl. GST)
31,000 miles plus first year annual fee waived (S$194.40 incl. GST)

Valid until

31 January 2025

Things to consider for this product:

check

Bonus air miles

check

Unlimited air miles

check

Annual Fee waiver

remove

Monthly spend required

Maybank FC Barcelona Visa Signature Card

Maybank FC Barcelona Visa Signature Card

Installment Rate
0  %
Installment Tenure
Up to 24  months
Minimum Spend For Installment
S$ 300
Minimum Annual Income
S$ 30,000

2 Offers Available

SingSaver Sure Win, Sure Huat!
Get 1x Red Packet worth up to S$8,888!
Get 1x Red Packet worth up to S$8,888!

Valid until

26 January 2025

Welcome Offer
Samsonite ENOW Spinner 69/25 EXP (worth S$570)
Samsonite ENOW Spinner 69/25 EXP (worth S$570)

Valid until

31 January 2025

Welcome Offer
S$200 cashback
S$200 cashback

Valid until

31 January 2025

Things to consider for this product:

check

Annual Fee waiver

check

No monthly spend required

check

No rebate cap

check

Overseas rebate

CIMB Visa Infinite Card

CIMB Visa Infinite Card

Installment Rate
0  %
Installment Tenure
Up to 24  months
Minimum Spend For Installment
S$ 300
info
Minimum Annual Income
S$ 120,000

3 Offers Available

Welcome Offer
Up to S$188 Cashback
Up to S$188 Cashback

Valid until

31 January 2025

Welcome Offer
Up to S$30 eCapitaVoucher
Up to S$30 eCapitaVoucher

Get a $20 eCapitaVoucher plus an additional $100 eCapitaVoucher with minimum net premium of $1000. Fulfillment by FWD. T&Cs apply

Valid until

31 January 2025

3% Cashback Promotion
3% Cashback on Overseas Foreign Currency Spend
3% Cashback on Overseas Foreign Currency Spend

Valid until

31 January 2025

Things to consider for this product:

check

No rebate cap

check

Airport lounge

check

Travel insurance

check

Annual Fee waiver

UOB Absolute Cashback Card

UOB Absolute Cashback Card

Installment Rate
0  %
Installment Tenure
Up to 24  months
Minimum Spend For Installment
S$ 500
Minimum Annual Income
S$ 30,000

Offer Available

Stackable Welcome Offer
Samsonite EVOA Z Spinner 25
Samsonite EVOA Z Spinner 25" Exp (worth S$730)

Valid until

31 January 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Insurance rebate

check

Local spending rebate

American Express Singapore Airlines KrisFlyer Ascend Credit Card

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Installment Rate
0  %
info
Installment Tenure
Up to 24  months
Minimum Spend for Installment
S$ 250
info
Minimum Annual Income
Conditional
info

Offer Available

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

Valid until

16 February 2025

Things to consider for this product:

check

Unlimited air miles

check

Travel insurance

remove

Annual Fee required

UOB EVOL Card

UOB EVOL Card

Installment Rate
0  %
Installment Tenure
Up to 24  months
Minimum Spend For Installment
S$ 500
Minimum Annual Income
S$ 30,000

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

American Express Singapore Airlines Business Credit Card

American Express Singapore Airlines Business Credit Card

Installment Rate
0  %
info
Installment Tenure
Up to 24  months
Minimum Spend For Installment
S$ 250
info
Minimum Annual Income
Conditional

Offer Available

Welcome Offer
33,000 HighFlyer points
33,000 HighFlyer points

Valid until

15 January 2025

Things to consider for this product:

check

Bonus air miles

check

Airport lounge

check

Air ticket rebate

remove

Rebate cap applied

UOB Visa Signature Card

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:

check

Petrol rebate

check

Overseas rebate

check

Mobile contactless rebate

remove

Rebate cap applied

UOB Lady's Card

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

Things to consider for this product:

check

Local spending rebate

check

Installment

check

No monthly spend required

remove

Rebate cap applied

Maybank DUO Platinum Mastercard

Maybank DUO Platinum Mastercard

Installment Rate
0  %
Installment Tenure
Up to 24  months
Minimum Spend For Installment
S$ 300
Minimum Annual Income
S$ 30,000

Offer Available

Welcome Offer
Samsonite ENOW Spinner 69/25 EXP (worth S$570)
Samsonite ENOW Spinner 69/25 EXP (worth S$570)

Valid until

31 January 2025

Welcome Offer
S$200 cashback
S$200 cashback

Valid until

31 January 2025

Things to consider for this product:

check

Petrol rebate

check

Overseas rebate

check

Travel insurance

check

Annual Fee waiver

UOB PRVI Miles World MasterCard

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
58,000 miles upon SMS registration and fulfilling spend requirement
58,000 miles upon SMS registration and fulfilling spend requirement

Valid until

31 January 2025

Welcome Offer
38,000 miles with 1st year annual fee waived
38,000 miles with 1st year annual fee waived

Valid until

31 January 2025

Things to consider for this product:

check

Bonus air miles

check

Unlimited air miles

check

Travel insurance

check

No monthly spend required

UOB Preferred Platinum Visa Card

UOB Preferred Platinum Visa 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:

check

Online shopping rebate

check

Mobile contactless rebate

check

Installment

remove

Rebate cap applied

Maybank Manchester United Platinum Visa Credit Card

Maybank Manchester United Platinum Visa Credit Card

Installment Rate
0  %
Installment Tenure
Up to 24  months
Minimum Spend For Installment
S$ 300
Minimum Annual Income
S$ 30,000
info

2 Offers Available

SingSaver Sure Win, Sure Huat!
Get 1x Red Packet worth up to S$8,888!
Get 1x Red Packet worth up to S$8,888!

Valid until

26 January 2025

Welcome Offer
Samsonite ENOW Spinner 69/25 EXP (worth S$570)
Samsonite ENOW Spinner 69/25 EXP (worth S$570)

Valid until

31 January 2025

Welcome Offer
S$200 cashback
S$200 cashback

Valid until

31 January 2025

Things to consider for this product:

check

Local spending rebate

check

No monthly spend required

check

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

Maybank Horizon Visa Signature Card

Installment Rate
0  %
Installment Tenure
Up to 24  months
Minimum Spend For Installment
S$ 300
Minimum Annual Income
S$ 30,000
info

3 Offers Available

SingSaver Sure Win, Sure Huat!
Get 1x Red Packet worth up to S$8,888!
Get 1x Red Packet worth up to S$8,888!

Valid until

26 January 2025

Welcome Offer
10,000 KrisFlyer miles
10,000 KrisFlyer miles

Valid until

31 January 2025

Welcome Offer
Samsonite ENOW Spinner 69/25 EXP (worth S$570)
Samsonite ENOW Spinner 69/25 EXP (worth S$570)

Valid until

31 January 2025

Welcome Offer
S$200 cashback
S$200 cashback

Valid until

31 January 2025

Things to consider for this product:

check

Overseas/Foreign spend

check

Air tickets

check

Dining

remove

Rebate cap applied

See All Prizes
 
Frame 1658
8x Apple iPad
(each worth $679)
Frame 1659
8x Dyson AirwrapTM styler
(each worth $849)
Frame 1660
8x Nintendo Switch OLED
(each worth $549)
Frame 1661
8x Playstation®5 consoles
(each worth $799)

 

Things to look out for when choosing a 0% Processing Fee Credit Card in Singapore

Credit card

- OCBC NXT Card
    • Minimum amount: S$100 - S$1,000
    • Processing fee: 0%
    • Tenure: 3 or 6 months

 

See Moreexpand_more
See All Prizes
 
Frame 1658
8x Apple iPad
(each worth $679)
Frame 1659
8x Dyson AirwrapTM styler
(each worth $849)
Frame 1660
8x Nintendo Switch OLED
(each worth $549)
Frame 1661
8x Playstation®5 consoles
(each worth $799)

 

How does a 0% Processing Fee Credit Card work?

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:

 

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Who should use a 0% Processing Fee Credit Card?

A 0% Processing Fee Credit Card is a good fit for several types of individuals such as these:

 

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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.

 

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Frequently Asked Questions

Why is there a credit card processing fee?

expand_more

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?

expand_more

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.

© 2015-2025 SingSaver PTE LTD. All rights reserved. This online platform is operated by SingSaver Pte. Ltd. and by continuing to use www.singsaver.com.sg (the “SingSaver Website”) or by carrying out a transaction on the SingSaver Website, users are deemed to have agreed with the Terms and Conditions and Privacy Policy of the SingSaver Website. All insurance product-related transactions on the SingSaver Website are arranged and administered by SingSaver Insurance Brokers Pte. Ltd., a wholly owned subsidiary of SingSaver Pte. Ltd. SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised broker regulated by the Monetary Authority of Singapore (“MAS”). SingSaver Pte. Ltd. (which administers all other financial products on the SingSaver Website) is not regulated by MAS. SingSaver is located at Eon Shenton, 70 Shenton Way, 18-08, Singapore, 079118.