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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, charged to CIMB Visa Infinite/Signature and/or WORLD/PLATINUM MasterCard on 5 or 10 months instalment tenure and retail transactions of S$1,000 and above charged to CIMB Visa Infinite/Signature and/or WORLD/PLATINUM MasterCard on 20 months instalment tenure
  • *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.
  • Maximum amount for CIMB 0% i.Pay Plan conversion is S$30,000 per transaction.
  • No interest will be levied if the full instalment amount each month is settled by the due date. Otherwise, the applicable finance charges shall be levied on the outstanding monthly instalment in accordance with the terms and conditions of the Cardmember’s Agreement.
  • 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 and conditions apply.

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