PayLater

Split purchases easily with HSBC Credit Cards

Planning on refurbishing your home, going on that well‑deserved vacation or just purchasing that special item you had your eye on?

With HSBC's PayLater Instalment Payment Plan, it's easy to make your dream a reality.

Go easy on your wallet by splitting your purchases from as low as S$50* into instalments at 0% interest across a range of flexible tenors that suits your needs.

Dream it, Split it with HSBC.

What you can enjoy:

Enjoy 0% interest-free instalments at any merchant with the PayLater logo

0% Interest free instalments

Up to 24 months

Low minimum spend

Valid for purchases from as low as S$50*

Flexible repayment tenors

Over 3,6,12 or 24 months

*For 3 months instalment plans only. Terms and conditions apply.

Participating Merchants

Frequently Asked Questions

A PayLater Instalment Payment plan is a program enabled by Mastercard with Pinelabs. It lets you convert your credit card purchases (applicable for both HSBC Visa and Mastercard cardholders at participating merchants (with the PayLater logo) into equal instalments that you will repay over a set period of time.

Each instalment is calculated by dividing the purchase amount by the instalment period evenly. If there is a remainder, the remaining sum is added onto the last instalment. You will have to pay the full amount of each instalment on or before the payment due date as stated in your card statement.

Here are the details of available tenures and minimum purchase amounts:

Instalment Period Minimum Purchase Amount
(Single Transaction)
3 months S$50
6 months S$500
12 months S$500
18 months S$500
24 months S$500
36 months S$500

However, do note that the available tenures vary across the different merchants. For more information, please check with merchants for the available tenures offered.

PayLater Instalment Payment plans are available at selected in-store and online merchants with the Paylater logo.

Note that some merchants may stop offering the PayLater Instalment Payment plan from time to time. Kindly enquire with merchants prior to purchase.

As long as your card account is not in default, over its limit, or in breach of our Terms & Conditions and Cardholder Agreement, you and your supplementary cardholders (if you have any) are eligible for a PayLater Instalment Payment plan.

You can start any PayLater Instalment Payment plan once your card is activated.

No. Once your transaction is approved at POS or checkout page, none of the options (such as tenure, price and amount) can be amended.

You will see your PayLater Instalment Payment plan on your next credit card statement together with the monthly repayment amount. Please note that the instalment plan may take up to 5 working days to set up, so if you start it just a couple of days before your credit card statement date, you won't see it until the following statement.

Yes, there is an early settlement fee of $100. You can repay your entire balance as early as you like, but it may take up to 5 working days to process.

For any refunds or early settlement, you need to let us know so we can off‑set the amount against the plan to close it off. If you do not inform us about the refund, the monthly instalment plan will continue to be billed.

No, partial settlements are not allowed.

If your credit card is cancelled, all your outstanding balances including any instalments that are yet to be billed will become immediately due and payable in full.

0% Card Instalment Payment Plan

Enjoy 0% interest-free instalments at over 300 merchants. From travel to home to retail to wellness and more, there's something for everyone to enjoy.

View full online merchant list.

Check out other Credit Card Offers