Credit Cards with Installment Plans

$1,200 annual fee
Offer
150,000 Qantas points
Statement instalment plans to pay off purchases in manageable monthly repayments 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 feature allows cardholders to pay off a portion of their credit card balance in equal monthly installments 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 offers a flexible way to pay off transactions in equal monthly instalments with a fixed monthly fee.
Spend $4,000 in 90 days (~$1,333/mo)
Offer Expires 5 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
Image of MyCard Prestige Velocity credit card
Velocity points
$700 annual fee
Offer
150,000 Velocity points
MyCard Instalment Plan allows paying off eligible purchases at a set interest rate over a set term using existing credit limit. Subject to eligibility and account good standing.
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 allows paying off eligible purchases at a set interest rate over a set term. Uses part of existing credit limit. Subject to account being in good standing.
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
Pay back large credit card expenses with monthly instalments via MyCard Instalment Plans.
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
Image of MyCard Premier credit card
MyCard points
$300 annual fee
Offer
120,000 MyCard points
MyCard Instalment Plan allows paying off eligible purchases at a set interest rate over a set term. Uses part of existing credit limit. Subject to account being in good standing.
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
Image of MyCard Rewards Velocity credit card
Velocity points
$199 annual fee
Offer
60,000 Velocity points
Pay back large credit card expenses with monthly instalments via MyCard Instalment Plans.
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
MyCard Instalment Plan available to pay off eligible purchases at a set interest rate over a set term.
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: pay off eligible purchases at an interest rate over a set term. Uses part of existing credit limit. Subject to eligibility and account being in good standing.
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 allows paying off eligible purchases at a set interest rate over a set term using existing credit limit. Subject to eligibility and account good standing.
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
$440 annual fee
Offer
70,000 Velocity points
Plan It® feature allows paying off eligible transactions over $100 in equal monthly instalments with 3, 6, or 12 month terms, no interest, and fixed monthly fee.
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires 4 days 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 $1,135
Read my analysis
$450 annual fee
Referral offerHow referrals work
Offer
70,000 Qantas points
Plan It® Instalments feature offers flexible way to pay off a portion of 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 day (2026-05-05)
Craig
Craig's Take

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

Est. profit $1,120
Read my analysis
$450 annual fee
Offer
70,000 Qantas points
Plan It® Instalments feature offers flexible way to pay off a portion of 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 day (2026-05-05)
Craig
Craig's Take

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

Est. profit $1,120
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 manageable monthly repayments at a lower rate over a set term, subject to eligibility and account in good standing
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
Craig

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— Craig