PayLater

Split purchases easily and get 8% cash rebates 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.

On top of stretching payments, enjoy a 8% cash rebate at participating merchants when you spend with your HSBC Credit Card from 18 July to 30 September 2022.

Start your PayLater Instalment Plan in 3 simple steps:

Step 1

Register via e-form

Register by Scanning or Clicking on the QR code.

Key in the gift code: PAYLATER

Kindly ensure exact and accurate spelling of gift code otherwise registration will be void.

Step 2

Spend

Look out for the PayLater logo at eligible merchants and set up a PayLater Instalment Payment Plan with your HSBC Credit Card from 18 July to 30 September 2022.

Promotional terms & conditions apply.

Step 3

Enjoy

Qualified cardholders will be notified and rebate will be credited by 31 October 2022.

Benefits at a glance:

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.

PayLater with these exciting merchants

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

Travel

Home & Electronics

Retail

Lifestyle

*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

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.

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.

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