Credit Cards with Installment Plans

$1,200 annual fee
Offer
150,000 Qantas points
Pay off eligible statement or transaction purchases in fixed monthly instalments at a special rate over a set term.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. High $1200 fee — make sure you'll use the perks.

Est. profit $1,200
Read my analysis
$195 annual fee
Offer
0 American Express points
Plan It Instalments lets you pay off a portion of the balance in equal monthly instalments with no interest and a fixed monthly fee
Spend $0 in 0 days
$0 first year annual fee, $195 thereafter
Craig
Craig's Take

Average ongoing earn rate. $200 cashback covers the $195 fee.

Read my analysis
$395 annual fee
OfferTargeted
100,000 American Express points
Plan It Instalments lets you pay off transactions or a portion of your balance in equal monthly instalments with no interest but a fixed monthly plan fee
Spend $4,000 in 90 days (~$1,333/mo)
Offer Expires 7 months ago (2025-12-02)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Excellent ongoing earn rate. $400 cashback covers the $395 fee.

Read my analysis
$375 annual fee
Offer
130,000 ANZ points
ANZ Instalment Plan at Checkout splits an eligible purchase amount into 3, 6, 9 or 12 monthly instalments, requested at checkout; a Setup Fee may apply and the Checkout Plan interest rate is 0% p.a. where a Setup Fee applies
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $100 cashback offsets the $375 fee.

Read my analysis
Image of MyCard Prestige Velocity credit card
Velocity points
$700 annual fee
Offer
150,000 Velocity points
MyCard Instalment Plan lets you pay off eligible purchases at a set interest rate over a set term using part of your existing credit limit
Spend $12,000 in 90 days (~$4,000/mo)
Craig
Craig's Take

Tough spend — $133/day for 90 days. Average ongoing earn rate. High $700 fee — make sure you'll use the perks.

Est. profit $1,850
Read my analysis
Image of MyCard Premier Velocity credit card
Velocity points
$300 annual fee
Offer
110,000 Velocity points
MyCard Instalment Plan lets eligible cardholders pay off eligible purchases at a set interest rate over a set term using part of the existing credit limit
Spend $8,000 in 90 days (~$2,667/mo)
Craig
Craig's Take

Moderate spend — $89/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Est. profit $1,642
Read my analysis
Image of MyCard Rewards credit card
MyCard points
$199 annual fee
Offer
100,000 MyCard points
MyCard Instalment Plan lets cardholders pay back large credit card expenses in monthly instalments using part of their existing credit limit, subject to eligibility
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Average ongoing earn rate.

Read my analysis
$199 annual fee
Offer
60,000 Qantas points
Easy Instalments: spread the cost of up to five eligible purchases (each between $100 and $10,000) over four monthly instalments at 0% p.a.
Spend $7,500 in 90 days (~$2,500/mo)
Craig
Craig's Take

Moderate spend — $83/day for 90 days. Average ongoing earn rate.

Est. profit $761
Read my analysis
$320 annual fee
Offer
80,000 Qantas points
Easy Instalments: spread up to five eligible purchases ($100-$10,000) over four monthly instalments at 0% p.a.
Spend $35,000 in 150 days (~$7,000/mo)
Craig
Craig's Take

Tough spend — $233/day for 150 days. Excellent ongoing earn rate.

Est. profit $960
Read my analysis
Image of MyCard Premier credit card
MyCard points
$300 annual fee
Offer
120,000 MyCard points
MyCard Instalment Plan lets eligible cardholders pay off eligible purchases at a set interest rate over a set term using part of the existing credit limit
Spend $7,000 in 90 days (~$2,333/mo)
Craig
Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Read my analysis
$295 annual fee
Offer
75,000 Qantas points
ANZ Instalment Plan at Checkout lets eligible purchases be split into 3, 6, 9 or 12 monthly instalments; a Setup Fee may apply with a 0% p.a. plan interest rate for the plan period
Spend $2,500 in 90 days (~$833/mo)
Craig
Craig's Take

Easy $28/day spend to hit the bonus. Good ongoing earn rate. $100 cashback offsets the $295 fee.

Est. profit $1,005
Read my analysis
Image of MyCard Rewards Velocity credit card
Velocity points
$199 annual fee
Offer
60,000 Velocity points
MyCard Instalment Plan lets cardholders pay back large credit card expenses in monthly instalments using part of their existing credit limit, subject to eligibility
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Poor ongoing earn rate.

Est. profit $821
Read my analysis
Image of MyCard Premier Qantas credit card
Qantas points
$350 annual fee
Offer
70,000 Qantas points
Pay off eligible purchases over a set term via a MyCard Instalment Plan, using part of the existing credit limit, subject to eligibility.
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $770
Read my analysis
$749 annual fee
Offer
125,000 Qantas points
MyCard Instalment Plan lets eligible retail purchases be paid off at a set interest rate over a set term, using part of the existing credit limit
Spend $10,000 in 90 days (~$3,333/mo)
Craig
Craig's Take

Tough spend — $111/day for 90 days. Average ongoing earn rate. $100 cashback offsets the $749 fee.

Est. profit $1,351
Read my analysis
Image of MyCard Prestige credit card
MyCard points
$700 annual fee
Offer
250,000 MyCard points
MyCard Instalment Plan lets you pay off eligible purchases at a set interest rate over a set term using part of your existing credit limit
Spend $10,000 in 90 days (~$3,333/mo)
Craig
Craig's Take

Tough spend — $111/day for 90 days. Average ongoing earn rate. $100 cashback offsets the $700 fee.

Read my analysis
$425 annual fee
Offer
90,000 Qantas points
ANZ Instalment Plan at Checkout lets eligible purchases be split into 3, 6, 9 or 12 monthly instalments; where a Setup Fee applies the Checkout Plan interest rate is 0% p.a. for the plan period.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $200 cashback offsets the $425 fee.

Est. profit $1,215
Read my analysis
$399 annual fee
No Qantas credit card in past 24 monthsCheck my eligibility
Offer
120,000 Qantas points
Instalment plans available to lock in monthly repayments at a lower rate over a set term, subject to eligibility
Spend $5,000 in 90 days (~$1,667/mo)
$349 first year annual fee, $399 thereafter
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.

Est. profit $1,571
Read my analysis
$0 annual fee
Offer
60,000 Commbank points
SurePay instalment plans let you repay a purchase or all/part of the card balance over monthly instalments (Purchase plan, Card balance plan, Cash advance balance plan); Purchase plans on a purchase of $100 or more made in the last 14 days at 0% p.a. interest for a set-up fee of 2% (3-month), 3% (6-month) or 5% (12-month); a set-up fee may apply; not available on balance transfers
Spend $9,000 in 90 days (~$3,000/mo)
Craig
Craig's Take

Moderate spend — $100/day for 90 days. Average ongoing earn rate.

Read my analysis
$295 annual fee
Offer
100,000 Westpac points
SmartPlan lets cardholders set up fixed instalment payment plans on the card account
Spend $12,000 in 365 days (~$986/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$149 annual fee
Offer
0 Cashback points
Instalment plans let you pay off purchases over time at a lower variable rate of 9.99% p.a.
Spend $0 in 0 days
Craig
Craig's Take
Read my analysis
$175 annual fee
Offer
75,000 Bank of Melbourne points
Plan&Pay lets eligible purchase balances be split into fixed monthly instalments
Spend $3,000 in 90 days (~$1,000/mo)
$99 first year annual fee, $175 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$0 annual fee
Offer
40,000 Commbank points
SurePay instalment plans let you pay off a purchase or all/part of your balance in monthly instalments (Purchase plan for purchases in the last 14 days, Card balance plan, or Cash advance balance plan); up to 50 active plans; a setup fee may apply and a fixed interest rate is quoted per plan
Spend $4,500 in 90 days (~$1,500/mo)
Craig
Craig's Take

Easy $50/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$175 annual fee
Offer
70,000 Qantas points
Plan&Pay lets purchase balances be split into fixed instalments
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $870
Read my analysis
$295 annual fee
Offer
90,000 Qantas points
Plan&Pay lets you split repayments into instalments
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,070
Read my analysis
St.George Amplify points
$175 annual fee
Offer
75,000 St.George Amplify points
Plan&Pay lets cardholders split eligible purchases into fixed monthly instalments
Spend $3,000 in 90 days (~$1,000/mo)
$99 first year annual fee, $175 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$440 annual fee
Offer
50,000 Velocity points
Plan It lets you pay off eligible transactions over $100 or a portion of your balance in equal monthly instalments over 3, 6 or 12 month terms with no interest and a fixed monthly fee
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires 2 months ago (2026-04-30)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.

Est. profit $795
Read my analysis
$450 annual fee
Referral offerHow referrals work
Offer
50,000 Qantas points
Plan It Instalments lets you pay off a portion of your Credit Card balance in equal monthly instalments with no interest and a fixed monthly fee
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in a month (2026-07-28)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Est. profit $800
Read my analysis
$175 annual fee
Offer
70,000 Qantas points
SmartPlan lets eligible purchases be repaid as a fixed instalment plan
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $870
Read my analysis
$295 annual fee
Offer
90,000 Qantas points
SmartPlan lets eligible balances be paid down in fixed instalment plans
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,070
Read my analysis
$450 annual fee
Offer
50,000 Qantas points
Plan It Instalments lets you pay off a portion of your Credit Card balance in equal monthly instalments with no interest and a fixed monthly fee
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in a month (2026-07-28)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Est. profit $800
Read my analysis
$149 annual fee
Offer
85,000 ANZ points
ANZ Instalment Plan at Checkout lets eligible purchases be split into 3, 6, 9 or 12 monthly instalments; where a Setup Fee applies the plan interest rate is 0% p.a. for the plan period
Spend $3,500 in 90 days (~$1,167/mo)
Craig
Craig's Take

Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.

Read my analysis
$295 annual fee
Offer
90,000 Velocity points
SmartPlan lets eligible purchases be converted into fixed instalment plans
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,160
Read my analysis
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
90,000 Velocity points
SmartPlan lets eligible purchases be converted into fixed instalment plans
Spend $6,000 in 90 days (~$2,000/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,255
Read my analysis
$175 annual fee
Offer
70,000 Velocity points
SmartPlan lets you convert eligible purchases into a fixed instalment payment plan
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $940
Read my analysis
$59 annual fee
Existing customers onlyCan I become an existing customer?
Offer
0 Westpac points
SmartPlan: turn purchase, cash advance or promotional plan balances of $200 or more into a repayment plan over regular monthly instalments; requires Online Banking registration; fees may apply
Spend $6,000 in 180 days (~$1,000/mo)
$0 first year annual fee, $59 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. $450 cashback covers the $59 fee.

Read my analysis
Craig

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— Craig