At a Glance

Buy now and pay later. Make your big purchases more manageable by splitting them into small, hassle-free instalments with DBS Payment Plans. Whether it’s a new fridge for the family, furnishing for your new abode or even your annual insurance premiums, get the things you need now without worrying about your cashflow later.

0% interest

for up to 24 months.

Flexible payments

over 3, 6, 12, 18 or 24 months.

Earn DBS points

when you split your education, insurance and income tax bills into instalments.

Apply now

 

What’s New

Taking an instalment just got easier! Through Pay Later with DBS/POSB Credit Cards, you’ll get to pay via interest-free instalments anywhere you see the Pay Later identifier. No sign up required, all you need is a DBS/POSB Credit Card for all kinds of offline and online spend!

Learn more

Pay Later

Limited-time only

$70 Cash Rebate

From now until 31 July 2022, get S$70 cash rebate when you split a bill into instalments of 12 months or longer. Convert instantly and receive:

  • S$50 cash rebate for MP3 on Credit Cards transactions
  • S$70 cash rebate for MP3 on Savings Account transactions only on
    DBS digibank mobile

Promotion terms and conditions apply.

 

DBS Payment Plans are great for:

Big-ticket items
Home furnishings
Insurance premiums
Income tax
Education fees
Unexpected expenses
 

Ready to stretch your wallet?

Here’s how DBS Payment Plans can offer you greater flexibility and help you budget better.

My Preferred Payment Plan

Looking to pay off your current credit card purchases over time? With My Preferred Payment Plan, you can consolidate and convert up to 10 eligible transactions into interest-free instalments for up to 6 months, at no fee.

It’s instant and super convenient. Just apply through digibank.

Tenure and processing fees

Tenure 3 months 6 months 12 months 18 months 24 months
One-Time Processing Fee
(based on transaction amount)
0%*

Usual 3%

0%#

Usual 3%

5% 6% 6%
Effective Interest Rate 0%

Usual 18.18%

0%

Usual 10.43%

9.50% 7.86% 5.98%

*Promotion ends on 30 September 2022.
#Promotion ends on 15 July 2022.
Limited time offer. Promotion is applicable for applications submitted via DBS digibank. DBS may vary these Terms and Conditions or suspend or terminate the Promotion without any notice of liability to any party.


Limited-time only

 

From now until 31 July 2022, get up to S$70 cash rebate when you split a bill into instalments of 12 months or longer. Convert instantly and receive:

  • S$50 cash rebate for MP3 on Credit Cards transactions
  • S$70 cash rebate for MP3 on Savings Account transactions only on
    DBS digibank mobile

Promotion terms and conditions apply.



Income Tax, Education Fees and Insurance Premiums via Savings Account

Paid your income tax, education fees or insurance premiums through your savings account? You can ease your cashflow with My Preferred Payment Plan (Savings Account)!

  • Valid for customers with a DBS Credit Card
  • Earn 3.75 DBS Points per S$5*
  • Flexible payments over 24 months
  • Apply instantly via DBS digibank mobile

How to apply

Educational Fees

*Only DBS Credit Cards that reward you with DBS Points are applicable. A small processing fee may apply.

Terms and Conditions Governing My Preferred Payment Plan (Savings Account)


Income Tax Payment Plan via Credit Card

Now, you can also earn Rewards on your income tax! Just pay your income tax using your DBS Credit Card* and apply for My Preferred Payment Plan (Income Tax Payment) to enjoy:

  • 0% interest and a low processing fee of 2.5%
  • Flexible payments over 12 months
  • Exclusive reward of 1.5 miles per S$1

*Only DBS Credit Cards that reward you with DBS Points are applicable.

Tenure and processing fee

Tenure 12 months
One-Time Processing Fee
(based on transaction amount)
2.5%
Effective Interest Rate 4.68% p.a.

Apply now

Terms and Conditions Governing My Preferred Payment Plan (Income Tax Payment Plan)


Pay Later with DBS/POSB Credit Cards

Use Pay Later with DBS/POSB Credit Cards at participating online and offline retail merchants across a range of lifestyle categories, such as travel and fashion, for purchases as low as S$100. Split your payments over a period of 3, 6 or 12 months with 0% interest!

For full FAQ, click here.
For full T&Cs, click here.

0% Interest Instalment Payment Plan

Shop with your DBS/POSB Credit Card at participating online and retail merchants such as, Shopee, The Hour Glass, , Challenger, Courts, Harvey Norman, Mustafa Shopping Centre and more! Choose to spread your payments over 6, 12 or even 24 monthly interest-free instalments when you are making your purchase

Don’t forget to check out our exclusive merchant offers to enjoy greater savings.

Discover our list of merchant offers here.


Enjoy 0% Instalment Payments at these participating merchants


Automotive

  • AL Tyres
  • Autobacs
  • Chevrolet Singapore
  • Automotive Dynamics Engineering
  • BCC Automotive
  • Cycle & Carriage
  • CHUAN SING AUTO ACCESSORIES CTR
  • Fong Kim Racing Development
  • H Tyre
  • Hock Cheong Automec
  • Hodaka Motoworld
  • LS Tyres & Automotive
  • MAZDA
  • One Zone Automotive LLP
  • Stamford Tyres International
  • SUBARU

Beauty & Wellness

  • 6 Elements Hair Spa
  • Absolute Chiropractic
  • Absolute Wellness
  • Acqua Vida
  • Adeva Spa
  • ADELINE FACE & BODY PTE LTD
  • Agyness Beauty Centre
  • AIBI
  • Amber Beila
  • Amore Fitness
  • Amore Spa
  • Amway Singapore
  • AsterSpring
  • Avone Beauty Secrets
  • Be Santuary Spa
  • Beaute Fashion
  • Body Contours
  • Bodyperfect
  • Browhaus
  • Cenosis International
  • Cheryl W
  • Chrysalis Spa
  • Citispa
  • Contours Express Singapore
  • Dorra Slimming
  • Erabelle
  • Expression
  • Fil Skin & Body Intelligence
  • Fresver Beauty
  • Fitness First
  • Brow Art Asia
  • Heart Springs Spa
  • Heart Springs Wellness
  • Ikeda Spa
  • Jean Yip
  • Johnson Protein Healthy Hair Growth
  • Kimage Salon
  • Le D'or Beaute
  • Lifespa
  • London Weight Management
  • Mary Chia
  • Modern Beauty Salon
  • MTM Skincare
  • New York Skin Solutions
  • Nail Palace
  • Nu Skin Enterprises
  • NOVITA
  • Ogawa Health Care
  • ORIENTAL HAIR SOLUTION
  • OSIM
  • OTO Bodycare
  • OWELL Bodycare
  • Platinum Yoga
  • Regina International
  • Snip Avenue
  • Spa Elements
  • Spa Infinity
  • Spa Symphony
  • Spacio TCM Wellness
  • Shakura Pigmentation Beauty
  • SK Il Boutique Spa
  • Strip
  • Sulwhasoo Spa
  • Theresa Beauty Slimming & Fitness
  • The Ultimate Spa
  • True Harmony
  • Victoria Facelift
  • Yun Nam Hair Care

Education

  • Adam Khoo Learning
  • Australian International School
  • Believer Music
  • British Council Singapore
  • Cristofori Music
  • Kaplan Higher Education & Learning Institute
  • MDIS
  • MindChamps Singapore
  • NUSS
  • PSB Academy
  • Stamford American International School
  • TMC Academy

Electronic and Computers

  • Apple Online Store
  • Apple Stores
  • A.A.A Appliances
  • Aftershock PC
  • All Best Aircon
  • Atlas Sound & Vision
  • Audio House Singapore
  • Best Denki Singapore
  • BOSE
  • Challenger
  • Courts Singapore
  • Gain City
  • Dyson Singapore
  • Harvey Norman
  • iStudio
  • MC2
  • Mega Discount Store
  • Parisilk Electronics & Computers
  • Sony Store
Departmental Stores & Online Martketplaces

 

  • BHG Singapore
  • Carousell
  • Fairprice Xtra
  • Giant Hypermart
  • Lazada
  • Metro
  • Mustafa
  • OG Singapore
  • Shopee
  • Takashimaya Singapore

Home and Furnishing

  • Bright House Lightning Pte Ltd
  • Brighton Furniture Display Centre
  • Castilla Design Pte Ltd
  • Dunlopillo Singapore
  • Four Stars
  • Home Fix D.I.Y Store
  • IKEA
  • Mayer
  • Nova Furnishing
  • Song-Cho (Imp & Exp) Pte Ltd
  • Star Living
  • V.Hive

Insurance

  • AIG Asia Pacific Insurance
  • Allied World Insurance
  • AXA Insurance Singapore
  • Liberty Insurance
  • MSIG Insurance Singapore
  • NTUC Income Insurance

Jewellery and Watches

  • 18 KARAATS
  • All Watches
  • Arthesdam Jewellery
  • Asia Timepiece Centre
  • Aspial - Lee Hwa Jewellery
  • Athena Jewels and Watches
  • Chip Lee Jewellery
  • Citigems
  • Cortina Watch
  • Gold Heart Jewellery
  • JANNPAUL
  • Joyalukkas Jewellery
  • Lee Hwa Jewellery
  • Love & Co.
  • Malabar Gold & Diamonds
  • Meena Gold Jewellers
  • Meyson Jewellery
  • Poh Heng Jewellery
  • Sincere Fine Watches
  • SK Jewellery
  • Soo Kee Jewellery
  • Tag Heuer
  • Taka Jewellery
  • The Hour Glass
  • Vincent Watch
  • Watches of Switzerland
  • TIFFANY & CO
  • VALUEMAX

Medical

  • 8 Medical Aesthetic Clinic
  • A&M Medical Centre
  • Advanced Dental Clinic
  • Advanced Pain Centres
  • Asia Health Partners
  • Atlas Eye Specialist Centre
  • Atlas Medical Clinic
  • Atria-City Dental Group
  • Casa Dental
  • David Loh Surgery
  • De Pacific Dental Group
  • Dream Plastic Surgery Singapore
  • Eagle Eye Centre
  • Icare Medical And Wellness Clinic
  • Icon Medical Aesthetics
  • J Laser And Aesthetics Clinic
  • Mount Alvernia Hospital
  • NUH
  • Parkway Hospital Singapore
  • Q&M Dental & Surgery
  • Raffles Hospital
  • Singapore General Hospital
  • Singapore National Eye Centre
  • Tan Tock Seng Hospital

Travel

  • Star Cruise
 

Others

  • Accent Musical Equipment
  • Advanced Pet Care
  • Amazing Hearing
  • Bay Audio Singapore
  • Cash Converters
  • Cordlife Group Limited
  • Digi Sound Hearing Care Centre
  • ERA Realty Network
  • Maxi Cash
  • M1 Shop
  • Mothercare
  • Money Max
  • Popular Book Company
  • SPOTLIGHT
  • StarHub
  • STARWELLNESS
  • Steigen Singapore
  • Storhub
  • Sun Shine Health Product
  • Swee Lee Holdings
  • Thermomix
  • Yummi House

Note:

  • DBS Instalment Payment Plan is applicable for all DBS VISA/MasterCard and POSB MasterCard Credit Cardmembers only.
  • Minimum purchase amounts, specific terms and conditions may vary for different merchants. Please contact merchants for more details.
  • Purchases made through DBS Instalment Payment Plan will not be eligible to earn DBS Rewards Points or Daily$.
  • In the event that you decide to cancel your DBS/POSB Credit Card, any instalment plan that is currently financed through the Card will be terminated and made payable immediately. Additionally, an early termination fee of S$150 will be levied on each Instalment Plan being terminated.
  • DBS reserves the right to approve/reject any instalment plan(s).
  • Other T&Cs apply. Click here to view full Terms and Conditions Governing Instalment Payment Plan

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