Interest-free monthly instalments (PayLite)

Stretch your credit card purchases
into interest-free monthly instalments


  • Existing OCBC Credit Cardmembers (excluding OCBC Cashflo Credit Card, OCBC GE Cashflo Credit Card, and Debt Consolidation Card)
  • Applicable for retail transactions of minimum S$100 in a single transaction

Apply now

Current Promotion

Online Exclusive Promotion
Enjoy up to S$40 cashback when you apply for PayLite Online!


Transaction value of S$500 – S$1,499
Transaction value of S$1,500 or more
12 months S$10 S$20
18 months S$15 S$30
24 months S$20 S$40

Transaction Value of

Tenure Cashback
12 months S$10
18 months S$15
24 months S$20
Tenure Cashback
12 months S$20
18 months S$30
24 months S$40

Eligible only for PayLite applications via internet banking or e-form from now to 31 Dec 2019.

Terms and Conditions

What is PayLite

PayLite eases the burden of big purchases by letting you split any OCBC Credit Card purchase of S$100 and above into interest-free, fixed monthly instalments of up to 24 months.


Low one-time processing fee
Affordable one-time processing fee starting from as low as 3% of your transaction amount.

Available for any merchant
Stretch any of your local, overseas or online purchases over S$100 into interest-free monthly instalments

Rates and Tenures

Made a recent purchase? How much would you like to split?

Period (months) 3 6 12 18 24
One-time processing fee 3%





1st month instalment S$800.00 S$400.00 S$200.00 S$139.00 S$100.00
Subsequent monthly instalments S$800.00 S$400.00 S$200.00 S$139.00 S$100.00
Effective interest rate 18.18% 10.43% 9.50% 9.23% 9.15%

Ready to get started?

Submit Online

Apply online to get your instalment approved in the fastest and easiest way.

Apply Online Submit Online Form
Fill up an e-Form instead

Alternatively, you can apply via online banking on your desktop

Other ways to apply

  • Call us at 1800 363 3333

Terms and conditions