You can split your eligible OCBC Credit Card purchase of $100 and above, into interest-free (EIR from 9.5% p.a.), fixed monthly instalments. Choose between a tenor of 3, 6, 12 months and pay a one-time processing fee of as low as 3%.
INSTALMENT PAYMENT PLAN (PAYLITE)
100% enjoyment with 0% interest instalments
Split your credit card transactions of at least $100 each into fixed, interest-free monthly instalments (EIR* from 9.50% p.a.). Apply easily via the OCBC Digital app now.
- Repayment period (6 months)
- Repayment period (12 months)
Repayment period (months) | 3 | 6 | 12 |
One-time processing fee |
3% EIR* of 18.18% $72 |
3% EIR* of 10.43% $72 |
5% EIR* of 9.50% $120 |
First-month instalment | $800 | $400 | $200 |
Subsequent monthly instalments | $800 | $400 | $200 |
Repayment period (months) |
One-time processing fee |
First-month instalment |
Subsequent monthly instalments |
*Effective interest rate (EIR) is the total cost charged, including any processing fees, for using the instalment plan.
If your application is successful, the instalment details will be shown in your card transaction history on the next day.
Eligibility requirements
Who can apply
OCBC credit card members (OCBC Cashflo Credit Card, OCBC NXT Card, OCBC Great Eastern Cashflo Credit Card or Debt Consolidation Card are not eligible to apply for PayLite)
Minimum amount you need to spend
$100 for each retail transaction
Terms and Conditions
Apply for an Instalment Payment Plan (PayLite) now via:
Common questions
More questions and answersPayLite is only applicable for retail transactions. This excludes Cash Advance, Balance Transfer, Bank Fees and Charges, 0% IPP transactions, Cash-on-Instalments transactions, and such other transactions as OCBC may determine.
No, OCBC Cashflo Credit Card/OCBC NXT Credit Card, OCBC GE Cashflo Credit Card and Debit Consolidation Card are not eligible for PayLite.
For customers who have applied for Instalment Payment Plan (PayLite) via OCBC Digital app between 1 July 2024 and 6 August 2024, view the FAQs to find out more.