0% Interest Instalment Plan

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Indulge in your shopping pleasures with our interest-free monthly instalment plan

Enjoy 0% Interest Instalment on your Credit Cards

Take charge of your finances with our **0% interest instalment plan. Select tenures from 6, 12, or 24 months for all purchases above S$500 at no extra charge.

How do I know which are the participating merchants under the 0% Interest Instalment Plan (“IPP”)?
The 0% IPP is only applicable to selected merchants. Please check with the respective merchant if they are under IPP before you make a purchase.
How can I cancel my existing IPP? Are there any charges for early redemption?
You will need to notify us in writing here that you have decided to repay the Instalment Purchase Price (as defined in Part G – 0% Interest Instalment Plan Product Terms of our Credit Card Terms) in full before the end of your selected tenure and make full repayment of the Instalment Purchase Price (as defined in Part G – 0% Interest Instalment Plan Product Terms of our Credit Card Terms) before the end of your selected tenure.

There are no charges for early redemption. You will have to make the full outstanding amount that will be reflected in your next statement and you are also required to settle the outstanding amount in full before the statement due date. Payment after due date will incur the relevant late and interest charges.
Can I change the tenure of my IPP?
Once your application for the IPP is approved, you will not be allowed to change the tenure of your IPP.
Are 360° Rewards Points earned and cashback awarded for transactions made pursuant to an IPP?
Since 2 May 2020, all IPP transactions are not eligible for cashback and 360 Rewards Points.
Have other questions?
Click here for more FAQs.

*Excluding all corporate credit cards, Standard Chartered Platinum Access credit cards, cards with credit limit of S$500
**0% Interest Instalment Plan Terms To participate in this 0% Interest Instalment Plan, you must be either a principal or supplementary cardholder holding a Standard Chartered credit card (excluding all corporate credit cards, Standard Chartered Platinum Access credit cards, cards with credit limit of $500) issued in Singapore which is valid, subsisting, and in good standing and your credit card account is not deemed to be delinquent or unsatisfactorily conducted. You will not be entitled to request for any temporary increase in credit limit for the purpose of the 0% Interest Instalment Plan and/or if your available credit limit on your credit card account is fully utilised. You may apply for the 0% Interest Instalment Plan for the purchase of any goods/services from any participating merchant under the 0% Interest Instalment Plan for any amount determined by us from time to time (Instalment Purchase Price) either by submitting our prescribed authorisation form that is duly completed and signed by you or by signing on a charge slip or on a Point of Sale terminal. You may only participate in the 0% Interest Instalment Plan if there is sufficient available credit limit on your credit card account (excluding any temporary credit line increase). Interest and late payment charge will be levied on any overdue instalment as well as other overdue amounts in the credit card account in accordance with the Customer Terms and Credit Card Terms of Standard Chartered Bank (Singapore) Limited (the “Bank”). We shall only entertain queries pertaining to the 0% Interest Instalment Plan. All other queries related to the purchased goods and/or services shall be referred directly to the participating merchant. We are not the manufacturer or supplier (or agent thereof) of any goods and/or services featured or purchased by you under the 0% Interest Instalment Plan. shall not be in anyway liable, for any claims, injury, expense, loss or damage brought or incurred by any party whosoever, or for any other matter arising from or in connection with the use of any goods or supply of any service purchased under the 0% Interest Instalment Plan. Any complaints or comments in relation to any goods or service purchased or any accompanying terms and conditions of such goods or service are to be directed to the relevant manufacturer or supplier. Without limiting the generality of the provisions of the Bank’s Customer Terms and Credit Card Terms, notwithstanding any dispute between you and the participating merchant in respect of or in connection with any goods and/or service purchased under the 0% Interest Instalment Plan, you remain liable to us for the entire Instalment Purchase Price. You shall, in the event of any dispute with the participating merchant in respect of or in connection with any goods and/or services, deal directly with the participating merchant and shall not have any recourse to us in respect thereof. The meaning of credit card, account, merchant and references to “we” are as stated in the Bank’s Customer Terms and the meaning of credit limit is as stated in the Bank’s Credit Card Terms. For the full 0% Interest Instalment Plan Product Terms which apply, visit here.

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Indulge in your shopping pleasures with our interest-free monthly instalment plan

Enjoy 0% Interest Instalment on your Credit Cards

Enjoy 0% interest instalment plan in 3 simple steps:

Step 1:

Step 2:

Step 3: Make payment.

FAQs

Terms and Conditions