Personal Banking Commercial Banking
You are in :
   Daily Banking    |   Cards    |   Loans    |   Investments    |   Insurance    |   CIMB Preferred    |   All Products   
Personal Banking > Cards > CIMB 0% i.Pay Plan
CIMB 0% i.Pay Plan



Enjoy interest-free instalments when you spread payment of your transactions over 5, 10, 20 months, for a small processing fee*. All this while still enjoying up to a 2%# cash rebate on all your purchases, with no cap at all!

Example of how you can take advantage of the CIMB 0% i.Pay.Plan:
  Air ticket to Tokyo
(worth S$650)
Designer Handbag
(worth S$1,500)
55" Smart LED TV
(worth S$3,600)
Instalment Tenure 5 months 10 months 20 months
One-time Processing Fee S$19.50 (based on 3% of transaction amount) S$45 (based on 3% of transaction amount) S$180 (based on 5% of transaction amount)
Monthly Instalment S$130 S$150 S$180

Table is for illustration purposes only. A one-time processing fee of 3% of transaction amount applies for 5 or 10 month tenures and 5% of transaction amount applies for 20 month tenure.

Simply convert your transactions in 2 easy steps:
1. Call (65) 6438 1118
2. Select transaction(s) to convert into CIMB 0% i.Pay Plan

Terms and conditions:
  • Applicable for retail transaction of S$500 and above in a single transaction charged to CIMB Credit Card on a 5 or 10 months instalment tenure; and retail transactions of S$1,000 and above in a single transaction charged to CIMB Credit Card on 20 months instalment tenure.
  • Applicable to all CIMB Credit Cards except CIMB Classic MasterCard.
  • One-time processing fee of 3% for a 5-month instalment plan (12% Effective Interest Rate p.a.), 3% for a 10-month instalment plan (6.55% Effective Interest Rate p.a.) or 5% for a 20-month instalment plan (5.71% Effective Interest Rate p.a.) will be charged in full within the first instalment and is non-refundable.
  • Not applicable for cash advances, fee or interest-related transactions and such other transactions as 
  • CIMB may determine in its absolute discretion.
  • Maximum amount for CIMB 0% i.Pay Plan conversion is S$30,000 per transaction.
  • Waiver of 3% processing fees for 5 or 10 months tenure is applicable to selected preferred partners and overseas transactions only and is valid till 31 December 2015.
  • CIMB Visa Infinite Cardmembers enjoy a cash rebate of 1% on local and 2% on overseas and travel-related spend. The 2% cash rebate is eligible with a minimum monthly account spend of S$2,000 and travel-related spend includes hotels, airlines and travel agencies only. CIMB World MasterCard Cardmembers enjoy a cash rebate of 1% on local and overseas spend, CIMB Visa Signature Cardmembers enjoy a cash rebate of 0.5% on local and overseas spend and CIMB Platinum MasterCard Cardmembers enjoy a cash rebate of 0.5% on local and 1% on overseas spend.
  • Other Terms & Conditions apply. Click here to view the full Terms & Conditions.
Featured preferred partners:

» Important notice for CIMB Visa Infinite Cardmembers
» Important notice for CIMB Visa Signature Cardmembers
» Important Notice for CIMB Platinum MasterCard Cardmembers
» Pool Grill, Singapore Marriott Tang Plaza Hotel - Closed for renovation
» Smart Rewards Merchant - Simply Buffet Closure
» Revisions to Terms and Conditions governing CIMB WORLD MasterCard Regional Golf Programme 2015 w.e.f 1 January 2015
» Processing Time For Credit Card Applications
» Updates to Cardmember's Agreement
» Personal Data Protection Act (PDPA)
» Personal Identification Number (PIN) Issuance
» Monthly rewards for CIMB PLATINUM MasterCard

Regional Promotions

Apply Now
CIMB Visa Signature Card
CIMB Visa Infinite Card
CIMB PLATINUM Supplementary MasterCard
CIMB Visa Signature Supplementary Card
CIMB WORLD Supplementary MasterCard
CIMB Visa Infinite Supplementary Card
CIMB Secured Credit Card
CIMB Bank Regional World Application
Complimentary Business Reply Service (Credit Cards)
CIMB CashLite Personal Instalment Loan

More on Credit Cards
Disabling of Magnetic Stripe
Cardmember's Agreement
CIMB Bank Smart Rewards
Submit CPF Statement and Singpass Online Request
Payment Flexibility
Authentication Code
Fees and Charges
MasterCard Moments
General FAQs
Credit Card and Unsecured Credit Rules
CIMB Bank General Terms and Conditions
CIMB Credit Cards promotional terms and conditions

Account Maintenance
Auto Debit and Interbank GIRO Authorisation
CIMB Credit Limit Review
Dispute Declaration
Personal Particulars Update
SMS Transaction Alert

Get in Touch
CIMB Visa Infinite Card CIMB Credit Cards Personal Concierge (+65) 6322 2188
CIMB WORLD / PLATINUM MasterCard (+65) 6438 1118
CIMB CLASSIC MasterCard (+65) 6576 6688
Fax (+65) 6576 6698

Join us on