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Pay In Instalments

Split your purchases with ease

Whether its planning on refurbishing your home, going on that well-deserved vacation or just
purchasing that special item you had your eye on, it is easy to make your dream a reality with HSBC’s PayLater
Instalment Payment Plan.

Go easy on your wallet by splitting your purchases 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.

Exclusive Offers

Frasers eStore

Get up to S$75 Frasers Experience (FRx) Gift Card when you pay in instalments with
HSBC Mastercard credit cards.


Samsung

Receive a Frasers Experience (FRx) Gift Card worth S$125 with purchase of any Galaxy
Z Fold5 / Z Flip5.

Pay In Instalments with these exciting merchants

New merchants will be added so make sure you visit our website regularly!

Travel

Royal Wings Travel

Home & Electronics

Babypass


Ergoworks


Rack85


Samsung Online


Smartbed*


Tilde Sound


OPPO*


Urban Mood Furnishing


Bedding Affairs*

Retail

Eu Yan Sang*


Soshinsen

Lifestyle

CodeWerx*


Elite Dental*


SAVVYPALS


True Fitness


True Yoga


Avante Wellness*


Mary Chia*

*Only valid for transactions in stores.

Frequently Asked Questions




A PayLater Instalment Payment plan lets you convert your credit card purchases 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
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. Purchases you make on a PayLater Instalment Payment plan are eligible for reward points.



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.



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.

Check out other Credit Card Offers

Dining

Up to 50% off and 1-for-1 dining deals at over 200 popular dining venues.


Travel & Staycations

Enjoy savings on flight, hotel, car rental, attractions and more.


Online

Shop online and grab the best deals at Lazada, Redmart, Shopee and many more.