An alternative payment option after spending. With the DBS Credit Card Fee-based Instalment, you can enjoy extra freedom on your Credit Card spending by spreading repayments across 60 monthly instalments.

DBS Credit Card Fee-based Instalment

  • Personalised preferential monthly rate as low as 0.18%*
  • Repay over a period that suits you – from 6 to 60 months
  • Hassle-free by combining various credit card transactions into your instalments
  • Easy application process, no documents required


Instalment Amount Personalised Monthly Flat Rate (%) Daily Interest
HK$10,000 0.18%* HK$0.6

How to Apply

Call Application Hotline: 2290 8222


Note: Early repayment of “Fee Based Instalment”

If you choose to pay off the “Fee Based Instalment” early, you are not able to save any interest because interest payable for the remaining term of the “Fee Based Instalment”, which is embedded in the monthly instalment amount shall still be payable.

* The above example is based on an instalment amount of HK$10,000, 12-months instalment and a monthly flat rate at 0.18%. The interest is calculated at 365 days per year, while the daily interest is as low as HK$0.6 and the annualised percentage rate is 4.04%. The Annualised Percentage Rate (APR) is calculated in accordance with the guidelines issued in respect of the Code of Banking Practice. The daily interest is rounded to the nearest 1 decimal place.

Notes for DBS Credit Card Fee Based Instalment Programme:

  1. DBS Credit Card Fee Based Instalment Programme and personalised monthly flat rate is applicable to selected customers. Please call the Application Hotline 2290 8222 for your applicable personalised monthly flat rate and terms and conditions.
  2. Please apply at least 3 business days in advance of the payment due date specified in the monthly statement.
  3. The application for DBS Credit Card Fee Based Instalment Programme is bound by related terms and conditions. For details, please call the Application Hotline 2290 8222.

Reminder: To borrow or not to borrow? Borrow only if you can repay!