Paying in instalments can lift a big burden from your budget especially if the purchase is not budgeted for. You can opt to pay in instalments instead of forking out money or swiping your credit card at one go. 

If you manage your monthly budgets well and never buy more than you can pay for, you will definitely benefit from the instalment options. But, how about the recurring interest payments if you use your credit card to pay for the big purchase? 

Worry not! Here are the top 0% instalment credit cards that will greatly benefit you when used wisely. 

0% Instalment Credit Cards 

Credit card companies with a 0% instalment plan attempt to attract customers who want to pay for a costly item in smaller monthly instalments. 

With this plan, you get initial access to the product while making fixed monthly payments throughout your use.  A 0% instalment credit card, in essence, allows you to spread your payments over a set period of time without incurring interest costs.

To reap the maximum benefit, be sure to pay the same amount on time every month until your tenure ends. Doing so will avoid you from incurring late penalty charges. 

Here are popular 0% instalment credit cards available in Singapore that you can apply for. 

Standard Chartered Rewards+ Credit Card

Take control of your budget with this 0% instalment plan that is applicable for all purchases over S$500. 

Happen to be eyeing an Apple product?

Visit any nearest Machine stores or simply go online to get the latest gadget you need. Once you have decided, select the given tenures of either 6, 12, or 24-month terms at no extra cost. That’s it! There are also plenty of other merchants for you to choose from. 

And if that is not enough, you get rewarded for all other eligible purchases you make with Standard Chartered Rewards+ Credit Card. 

Signing up for this credit card is a must for all enthusiastic online shoppers! Get the best rewards when you spend in foreign currencies and that too, online. For every S$1 spent in foreign currency, you earn 10X Rewards Points. 

Additional 5X Rewards Points are offered when you spend S$1 in local restaurants and hotel dining. Plus, 1X Rewards Points are given to every other spend you make. 

You also get a 2-year annual fee waiver without any minimum spend requirement. 

POSB Everyday Card

With POSB Everyday Card, your instalment period is up to 24 months! You can opt to split your payment into 3, 6, 12 or even 18 months, depending on the amount of your purchase and financial plan.

You can make 0% interest-free payments for up to 6 months by simply logging onto the mobile app or website. Hence, for better money management, divide your purchases into monthly interest-free instalments. 

Educational fees, insurance premiums, tax deductions, home furnishings, big-ticket products, and unexpected needs are just a few of the categories from an array of other categories in which you can employ this split Flexi-payments from POSB Everyday Card. 

Of course, there is more to this card than the 0% instalment plan. You have no minimum spend requirement to be worried about and this credit card is perfect for dining and online shopping enthusiasts. Not to forget the cash rebates up to 10%  that you can earn as you spend on these categories.

CIMB Visa Signature

The CIMB i.PAY plan offers you a 0% instalment interest rate on your credit card purchases. This plan is where you can enjoy up to 24 months of repayment benefits. 

As you shop, pamper yourself with the best gifts possible with interest-free purchases! 

Also, the flexible payment tenures are there to lessen your burden with only a one-time processing fee and no interest charged. You can choose to sign up for either 6, 12 or 24 months. 

Similar to Standard Chartered Rewards+ credit card, any purchases with more than S$500 earns you the 0% instalment plan. Just head over to the participating merchant directly to claim your benefits. Doing so will also discount the processing fee. 

Besides that, you can continue to enjoy your cashback earnings while you spend. A 10% cashback is yours as you continue to spend on online shopping, groceries, and even cruise trips. 

With over 1,000 deals and discounts to enjoy, you will love CIMB Visa Signature that also comes with a free annual fee for life!

HSBC Advance Credit Card

HSBC offers a 0% instalment plan for all of its credit card plans. You can choose to sign up for either 6, 12, or 24 months. The fixed monthly repayments are a great bonus while you swipe this credit card for shopping and dining. 

Besides the 2.5% cashback, you get to earn on all local and foreign spending. You can choose to pay lesser for a fixed period in any of the participating merchants. Any purchases of more than S$500 will earn you the privilege of paying lesser plus the cashback rewards. 

From beauty and wellness to education and learning, you can directly go to the merchants and get the product you have been eyeing for quite a while. 

Aside from that, you can take advantage of complimentary upgrades and benefits when you visit any hotels and resorts within the Visa Luxury Hotel Collection.

If you are looking for a rewarding credit card with an instalment plan, then the HSBC Advance credit card is your ultimate choice. 

Plan Smartly And Pay Happily! 

These credit cards are some of the hot deals when it comes to 0% instalment credit cards. Sign up for any one of these credit card deals to make the most out of your expenses. And, as always never spend more than you can pay for.