Guys and gals
oversea transaction can convert to installment plan?
planning to buy airticket which will cost around <RM1200

yeah gonna apply soon, surprised the replied within day.
Not used to this kind of method as My SG cards can apply installment via app (HSBC/Citi) have admin charges.
Singapore airline can apply 0% installment right within their website if using AMEX but the ticket is expensive.
hopefully in the future can just implement in the app.

Mine is mastercard, i try to spend oversea next few weeks and see if can get CB

First time use msia credit card, Publick Bank Quantum, they send me 2 cards and charge me twice because 2 cards
the hell with card service tax, In Singapore dont have such things...

I have 2 SG cards for FCY spend, air ticket purchase to earn miles.
For Malaysia i try to use local card, Since PBB offer 0% installments, quantum card doesn't annual fee so no need to worry much.

SG card especially HSBC while can earn a lot of miles with FCY spend, the exchange rate is poor + FYC fee.
I usually go Taiwan, and rarely use cash unless necessary.
I have spare Wise/Revolut and Youtrip, for oversea cash withdrawal.

All my banks debit cards are kept in locker lol, can withdraw cash at SG with phone, no card needed.

This post has been edited by 1024kbps: Jul 9 2025, 09:35 PM

just present your physical card and use contactless, enter pin.
I think this one applies to most bank, as they now implement countermeasure for credit card fraud.

small amount eg below 200 no need physical card