At a Glance

Buy now, and pay later. Split your purchases into small, hassle-free monthly repayments and manage money better – for DBS Credit Cardmembers. Whether it’s a new fridge for the family, an online course for your career or your annual insurance premium, ease your cash flow with DBS Payment Plans.

Pay 0% interest, up to 6 months!

Split your purchases into interest-free monthly instalments for better money management.

Spread up to 24 months

Choose from flexible payments over 3, 6, 12, 18 or 24 months.

Easy access

Apply directly at participating merchants or through digibank mobile/online.



How does it work?

1. Activate at cashier/online checkout

Enjoy the convenience of DBS Payment Plans instantly at participating retail stores and online merchants.

DBS Payment And Installment Plans

Ask the cashier for DBS Payment Plans at participating stores.

DBS Payment And Installment Plans

Select DBS Payment Plans and tenure if you’re shopping online.

2. Activate after you’ve paid

From insurance premiums and university fees to new home furnishings – DBS Payment Plans lets you consolidate your spending and repay over time.

  • Go to digibank mobile/online and choose ‘Pay by instalments’
  • Select up to 10 transactions in your credit card accounts
  • Convert into 0% interest instalments, on your credit card
Tenure 3 months 6 months 12
18 months 24 months
One-Time Processing Fee* 
(based on transaction amount)


Usual: 3%

5% 6% 6%
Effective Interest Rate


Usual: 18.18%


Usual: 10.43%

9.50% p.a. 7.86% p.a. 5.98% p.a.

*For a limited time only. DBS may vary these Terms and Conditions or suspend or terminate the Promotion without any notice or liability to any party. 

Terms and Conditions Governing My Preferred Payment Plan Processing Fee Promotion
Terms and Conditions Governing My Preferred Payment Plan

Apply now

Enjoy the flexibility of DBS Payment Plans for

Educational Fees

Educational Fees

Insurance Premiums

Insurance Premiums

Tax Deductions

Tax Deductions

Home Furnishings

Home Furnishings

Big-ticket items

Big-ticket items

Unexpected expenses

Unexpected expenses

And more



 My Preferred Payment Plan

*Promotion is valid from 1 July 2021 to 31 December 2021 and is applicable for new applicants of My Preferred Payment Plan only. Click here for full T&Cs.


Split your Income Tax, Education & Insurance Payments for your Deposit Transactions

Budget better and split your income tax, education and insurance payments with DBS Payment Plans!

  • Valid for customers with a DBS/POSB Credit Card
  • Earn reward of 3.75 DBS Points per S$5 on Payment Plan* 
  • Flexible payments across 24 months
  • Apply instantly via DBS digibank app

*Only applicable for Reward Points earning Credit Card at a small fee.

Terms and Conditions Governing My Preferred Payment Plan (Deposit Accounts)

Paying for your income tax with your Credit Card? Split the bill up with Income Tax Payment Plan

If your income tax is too hefty to handle, apply for Income Tax Payment Plan to enjoy:

  • 0% interest with a processing fee of 2.5% for 12 months
  • Flexible payments over 12 months
  • Exclusive reward of 1.5 miles per S$1
  • Pay your income tax using DBS Credit Card via Pay Bills option in iBanking.
  • Download the application form. Mail or fax the completed form to 6782 1063.

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

Terms and Conditions Governing My Preferred Payment Plan for Income Tax Payment Plan

For your convenience, My Preferred Payment Plan and Instalment Payment Plan have been renamed as DBS Payment Plans.

Click on any category below to see the list of participating merchants for the DBS 0% Interest Instalment Payment Plan. Enquire in-store for more details before you make your purchase.


  • Cycle & Carriage
  • Fong Kim Racing Development
  • H Tyre Pte Ltd
  • Hock Cheong Automec Pte Ltd
  • Hodaka Motoworld
  • One Zone Automotive LLP
  • Stamford Tyres International Pte Ltd

Beauty & Wellness

  • Absolute Chiropractic
  • Adeva Spa
  • AIBI International Pte Ltd
  • Amore Fitness
  • Amore Spa
  • Amway (Singapore) Pte Ltd
  • Bionn International
  • Body Contours Pte Ltd
  • Bodyperfect Pte Ltd
  • Browhaus
  • Cenosis Holdings Pte Ltd
  • Chrysalis Spa
  • Clariancy
  • Cosmo Goodness Pte Ltd
  • Dr Cindy's Medical Aesthetics
  • Dorra Slimming Pte Ltd
  • Fil Skin & Body Intelligence Pte Ltd
  • Fitness First
  • Ikeda Spa P L
  • Jean Yip
  • Johnson Protein Healthy Hair Growth Pte Ltd
  • Kimage Salon Pte Ltd
  • Lifespa
  • London Weight Management Pte Ltd
  • Mary Chia
  • MTM Skincare Pte Ltd
  • New York Skin Solutions Pte Ltd
  • Nu Skin Enterprises P L
  • Ogawa Health -Care Pte Ltd
  • OSIM International Ltd
  • OTO Bodycare
  • OWELL Bodycare Pte Ltd
  • Pure Angel Pte Ltd
  • Regina International Pte Ltd
  • Shakura Pigmentation Beauty Pte Ltd
  • Shaofang Pte Ltd
  • Singapore National Eye Centre
  • SK Il Boutique Spa
  • Strip
  • Theresa Beauty Slimming & Fitness Pte Ltd


  • Academies Australasia Col
  • Adam Khoo Learning
  • Australian International School Pte Ltd
  • Believer Music
  • British Council (Singapore) Pte Ltd
  • Cosmoprof Academy Pte Ltd
  • Cristofori Music Pte Ltd
  • Kaplan Higher Education Institute Pte Ltd
  • Kaplan Learning Institute Pte Ltd
  • MDIS Pte Ltd
  • NUSS
  • Stamford American International School
  • TMC Academy

Electronic and Computers

  • A.A.A Appliances
  • Addon Systems Pte Ltd
  • Aftershock PC
  • All Best Aircon
  • Alpha Audio Sound & Vision Pte Ltd
  • Atlas Sound & Vision
  • Audio House Marketing Pte Ltd
  • Bally Photo Electronics
  • Best Denki (Singapore) Pte Ltd
  • Cathay Photo
  • Challenger
  • Courts (Singapore) Pte Ltd
  • Gain City
  • Harvey Norman
  • iStudio
  • MC2 Pte Ltd
  • Mega Discount Store P L
  • Parisilk Electronics & Computers Pte Ltd
  • Polaris Network Pte Ltd
  • Sony Electronics (Singapore) Pte Ltd

Fashion and Accessories

  • Blum & Co Pte Ltd
  • Passage Lifestyles
  • Reebonz Limited
  • Spectacle Hut

Home and Furnishing

  • Ackerman & Smith Pte Ltd
  • Bright House Lightning Pte Ltd
  • Brighton Furniture Display Centre
  • Castilla Design Pte Ltd
  • Home Fix D.I.Y Store
  • IKEA
  • Mayer Marketing
  • Song-Cho (Imp & Exp) Pte Ltd
  • Star Furniture Pte Ltd
  • V.Hive


  • AIG
  • AXA Insurance Singapore P L
  • Liberty Insurance Pl
  • MSIG Insurance (S) Pte Ltd
  • NTUC Income Insurance

Jewellery and Watches

  • 18 Karaats
  • Aspial - Lee Hwa Jewellery
  • Boon Chai Jewellery
  • Chip Lee Jewellery
  • Citigems Pte Ltd
  • Cortina Watch
  • Dejewel Galleria Pte Ltd
  • Gold Heart Jewellery Pte Ltd
  • Gold N Gems Pte Ltd
  • Hock Ann Jewellers (Thomson) Llp
  • House Of Hung Pte Ltd
  • Indian Jewellers Pte Ltd
  • Joyalukkas Jewellery
  • Lee Hwa Jewellery
  • Love & Co. Pte Ltd
  • Meena Gold Jewellers
  • Meyson Jewellery
  • Ming Seng Goldsmith
  • Peng Kwee Watches & Jewellery Pte Ltd
  • Poh Heng Jewellery
  • Sincere Watch Limited
  • SK Jewellery
  • Soo Kee Jewellery
  • Tag Heuer
  • Taka Jewellery Pte Ltd
  • The Hour Glass Limited
  • Vincent Watch Pte Ltd


  • Asia Health Partners Pte Ltd
  • Atlas Medical Clinic Pte Ltd
  • Atria-City Dental Group
  • B K Poh Urology
  • CFG (Forum) Pte Ltd
  • CFG (GWC) Pte Ltd
  • CFG (OUBC) Pte Ltd
  • CFG (PP) Pte Ltd
  • CFG (RC) Pte Ltd
  • CFG (TP) Pte Ltd
  • CFG (USQ) Pte Ltd
  • Chin Dental Surgery Pte Ltd
  • David Loh Surgery Pte Ltd
  • De Pacific Dental Group (Amk)
  • Dream Plastic Surgery (Singapore) Pte Ltd
  • Eagle Eye Centre Pte Ltd
  • Evergreen Health Pte Ltd
  • HTM Medico
  • Icare Medical And Wellness Clinic Pte Ltd
  • J Laser And Aesthetics Clinic Pl
  • Lifeline Corporation Pte Ltd
  • Mount Alvernia Hospital
  • Parkway Hospital (S) Pte Ltd
  • Raffles Hospital Pte Ltd
  • Singapore General Hospital


  • Asia Global Vacation P L
  • Commonwealth Travel Service Corp Pte Ltd
  • Dynasty Travel International Pte Ltd
  • Hong Thai Travel
  • Mustafa Air Travel Pte Ltd


  • BHG (Singapore) Pte Ltd
  • Cash Converters
  • Cordlife Group Limited
  • Digi Sound Hearing Care Centre Pte Ltd
  • ERA Realty Network Pte Ltd
  • Fairprice Xtra
  • Giant Hypermart
  • M1 Shop Pte Ltd
  • Metro (Private) Limited
  • Mothercare (S) Pte Ltd
  • Mount Prajna Ltd
  • Mustafa's Pte Ltd
  • OG Private Limited
  • Popular Book Company
  • StarHub Ltd
  • Sunshine Health Mart Pte Ltd
  • Sun Shine Health Product Pte Ltd
  • Swee Lee Holdings Pte Ltd
  • Takashimaya Singapore Ltd
  • Yummi House


  • DBS 0% Interest Instalment Plan is applicable to DBS VISA/MasterCard/American Express® and POSB MasterCard Credit Cardmembers only.
  • Minimum purchase amounts, specific terms and conditions and products for instalment plan may vary for different merchants. Please contact the merchants for more details.
  • An administrative charge of S$150 will be levied for early repayment and/or Card Account termination. In the event of Card Account termination, the outstanding balance under the IPP shall become payable immediately.
  • DBS reserves the right to approve/reject any instalment plan(s).
  • Other conditions apply.

No DBS/POSB Credit Card?

Pick one that suits your interests and lifestyle, to enjoy great sign up deals here.

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