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

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.

Current Promotions

Online Exclusive Promotion

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

For purchases of at least S$500, enjoy S$10 Cashback when you opt for 12 months, S$15 Cashback for 18 months, and S$20 Cashback for 24 months. If your purchase value is S$1,500 or more, receive double the cashback! Eligible only for PayLite applications via Online Banking or Online form from now till 31 December 2018.

Terms and Conditions apply


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

Your purchases (illustration) Fitness Package Price: S$1,800 New Laptop Price: S$2,700 New car accessories Price: S$2,100 Designer Bag Price: S$1,200 2-Night Villa Stay Price: S$1,800
Period 24 months 18 months 12 months 6 months 3 months
Monthly Instalment Amount $75 $150 $175 $200 $600
One-time processing fee ( based on transaction amount) S$162 (9% of S$1,800) S$189 (7% of S$2,700) S$105 (5% of S$2,100) S$36 (3% of S$1,200) S$54 (3% of S$1,800)
Effective interest rate 9.15% p.a. 9.23% p.a. 9.50% p.a. 10.43% p.a. 18.18% p.a.

3 ways to apply

Call us at
1800 363 3333