I think debit cards draws money solely on your account. It all depends if ur account got how much money. Since it draws from your account i dun think there is any installment for that. Why do we need installment when the card recognize ur account has the sufficient money to buy the item. For credit card it is different, u 'borrow' the money or the given limit of money from bank. And the bank allows payment via installment or you can pay it one lump sum if can afford it.