Payment Plans > FlexiPlan

ANZ FlexiPlan

Opt for the savvy way to pay your bills with ANZ FlexiPlan.

Free up and do more with your cash by spreading your ANZ Credit Card bill payments with ANZ FlexiPlan.

Flexible Payment Options
You can opt to split your bills to 3, 6 or 12 months. Enjoy a competitive processing fee with ANZ's rates.

Tenure Upfront Processing Fee
(percentage of amount put on FlexiPlan)
3 months 3% (EIR 18.18% p.a.*)
6 months 3% (EIR 10.43% p.a.*)
12 months 5% (EIR 9.5% p.a.*)
*Effective interest rate (EIR) includes processing fee only.

2 easy steps to apply:

Step 1Make your desired purchases on your ANZ Credit Card.
Step 2
1800 269 2269 or
Download application form to register now.

Terms and conditions

• The total amount placed on ANZ FlexiPlan must be at least S$500 • Each ANZ FlexiPlan allows for the combination of up to 5 transactions within the same statement • Application for FlexiPlan must be made at least 7 days from transaction date(s) and no later than 14 days after the date of the Billing Statement reflecting the selected retail transaction(s) • The Bank reserves the right to vary the terms and conditions of this promotion at its reasonable discretion • An early redemption fee of S$80 applies for payment made before the expiry of ANZ FlexiPlan tenure • Other terms and conditions apply

• Your participation in FlexiPlan is subject to the following: • The total amount of the selected Card Transaction(s) ("Initial Purchase Sum") must not be less than the minimum amount determined by Australia and New Zealand Banking Group Limited ("ANZ") from time to time • The initial Purchase Sum may comprise such maximum number of selected Card Transactions as ANZ may from time to time determine, provided the selected Card Transactions are all reflected on the same Billing Statement • Selected Card Transactions must be included in full • FlexiPlan is not applicable to any Cash Advance, balance transfer, interest or late charges, any instalment payment of any kind and such other promotions and transactions as ANZ may determine • The Credit Limit on your Card Account (excluding any temporary Credit Limit increase) is sufficient to block out the Initial Purchase Sum and processing fee • Applications for FlexiPlan ("Applications") must be made at least 7 days after the selected Card Transaction has been charged to your Card Account and no later than 14 days after the date of the Billing Statement reflecting such selected Card Transaction(s) or such other time as ANZ may from time to time determine • You are not in breach of the Cardmember's Agreement • ANZ's approval in its discretion, without the need to furnish any reason for rejecting an Application • Upon approval of your Application • You shall pay the Initial Purchase Sum over such tenure and in such amounts as ANZ may from time to time determine and approve ("Instalment"), subject to a processing fee of such amount or at such rate as determined by ANZ which shall be charged to your Card Account in full together with the first Instalment and shall not be refundable in any event • Your available Credit Limit will be reduced by blocking out an amount equivalent to the Initial Purchase Sum and processing fee, but will be progressively restored by the amount of each Instalment as each monthly Instalment is paid and received by ANZ. • You may not change the tenure of your FlexiPlan • Rewards points will be issued upfront on the Initial Purchase Sum but not in respect of the subsequent Instalments • Each Instalment shall be charged to the Card Account and will be treated in the same way as any other Card Transaction charged to your Card Account. The Instalments payable will be reflected in your Billing Statement and shall be payable in accordance with these terms and the Cardmember's Agreement • In particular, interest and late charges will be levied on any overdue Instalment as well as other overdue amounts in the Card Account in accordance with the Cardmember's Agreement • You shall make all payments on your Card Account by the relevant Payment Dates notwithstanding that you may have Applications pending processing. Payments made to your Card Account will not be refunded even after your Application is approved • ANZ may at its discretion impose a non-refundable early redemption fee of such amount as it may determine if the FlexiPlan is terminated (whether arising from the termination of your Card Account or otherwise) or if you make early prepayment of any amount under your FlexiPlan. All unpaid Instalments will then be charged to your Card Account and become immediately due and payable. Such early redemption fee will be payable regardless of subsequent revocation of any repayment or your failure to make full repayment • ANZ is not the manufacturer or supplier (or agent thereof ) of any of the products featured • ANZ shall not be in anyway liable, for any claims, injury, expense, loss or damage brought or incurred by any party whosoever, or for any other matter arising from or in connection with the use of the product or supply of any service purchased hereunder or participation in FlexiPlan. Any complaints or comments in relation to any product or service purchased or any accompanying terms and conditions are to be directed to supplier • ANZ reserves the right and discretion to determine and vary the Instalment amount, processing and early redemption fee, tenure and all other payment details and terms of your FlexiPlan from time to time and without prior notice • Subject to the preceding sentence, you understand that you are bound by such payment details then prevailing at the time of your Application • ANZ's decision on all matters relating to FlexiPlan shall be conclusive and binding • ANZ is entitled in its reasonable discretion to amend, vary or modify these terms at any time without notice and such changes shall be binding on you with effect from such date as ANZ may determine • These terms shall be governed by the laws of Singapore and you hereby submit to the non-exclusive jurisdiction of the courts of Singapore. A person who is not a party to these terms shall have no right under the Contract (Rights of Third Parties) Act (Cap.53B) to enforce any of these terms • References here shall have the same meaning as in the Cardmember's Agreement. These terms apply in addition to the terms of the Cardmember's Agreement and if any conflict arises, the Cardmember's Agreement shall prevail and these terms shall be deemed to be modified to the extent necessary to give effect to the Cardmember's Agreement and those terms