Ability to split purchases into manageable monthly installments over a set term using Instalment Plans feature.
Easy $50/day spend to hit the bonus. Excellent ongoing earn rate. No annual fee.
Read my analysisAbility to split purchases into manageable monthly installments over a set term using Instalment Plans feature.
Easy $50/day spend to hit the bonus. Excellent ongoing earn rate. No annual fee.
Read my analysis
Ability to split purchases into manageable monthly installments over a set term using Instalment Plans feature.
Easy $50/day spend to hit the bonus. Excellent ongoing earn rate.
Read my analysis
Pay off eligible statement or transaction purchases in fixed monthly instalments at a special rate over a set term.
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. High $1200 fee — make sure you'll use the perks.

Plan It Instalments lets you pay off a portion of the balance in equal monthly instalments with no interest and a fixed monthly fee
Average ongoing earn rate. $200 cashback covers the $195 fee.
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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
Easy $44/day spend to hit the bonus. Excellent ongoing earn rate. $400 cashback covers the $395 fee.
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Virgin Money Instalment Plan available to manage repayments on the credit card
Easy $50/day spend to hit the bonus. Average ongoing earn rate. $129 cashback offsets the $149 fee.

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
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $100 cashback offsets the $375 fee.
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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
Moderate spend — $89/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

MyCard Instalment Plan lets cardholders pay back large credit card expenses in monthly instalments using part of their existing credit limit, subject to eligibility
Moderate spend — $56/day for 90 days. Average ongoing earn rate.
Read my analysisEasy Instalments: spread the cost of up to five eligible purchases (each between $100 and $10,000) over four monthly instalments at 0% p.a.
Moderate spend — $83/day for 90 days. Average ongoing earn rate.
Easy Instalments: spread the cost of up to five eligible purchases over four monthly instalments at 0% p.a.
Tough spend — $233/day for 150 days. Excellent ongoing earn rate.

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
Moderate spend — $78/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.
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MyCard Instalment Plan lets cardholders pay back large credit card expenses in monthly instalments using part of their existing credit limit, subject to eligibility
Moderate spend — $56/day for 90 days. Poor ongoing earn rate.

Pay off eligible purchases over a set term via a MyCard Instalment Plan, using part of the existing credit limit, subject to eligibility.
Moderate spend — $67/day for 90 days. Average ongoing earn rate.
Instalment plans available to lock in monthly repayments at a lower rate over a set term, subject to eligibility
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.

SmartPlan lets cardholders set up fixed instalment payment plans on the card account
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
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Plan&Pay lets eligible purchase balances be split into fixed monthly instalments
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
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Plan&Pay lets purchase balances be split into fixed instalments
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Plan&Pay lets you split repayments into instalments
Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Plan&Pay lets you split eligible purchases into instalment plans
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
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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
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.
SmartPlan lets eligible balances be paid down in fixed instalment plans
Moderate spend — $67/day for 90 days. Average ongoing earn rate.

SmartPlan lets eligible purchases be repaid as a fixed instalment plan
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

SmartPlan lets eligible balances be paid down in fixed instalment plans
Moderate spend — $67/day for 90 days. Average ongoing earn rate.

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
Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.
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SmartPlan lets eligible purchases be converted into fixed instalment plans
Moderate spend — $67/day for 90 days. Average ongoing earn rate.

SmartPlan lets eligible purchases be converted into fixed instalment plans
Moderate spend — $67/day for 90 days. Average ongoing earn rate.
SmartPlan lets you convert eligible purchases into a fixed instalment payment plan
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

SmartPlan lets you convert eligible purchases into a fixed instalment payment plan
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
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
Moderate spend — $100/day for 90 days. Average ongoing earn rate.
Read my analysisSmartPlan: 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
Easy $33/day spend to hit the bonus.
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Virgin Money Instalment Plan available to manage credit card repayments
Tough spend — $117/day for 60 days. Excellent ongoing earn rate. $129 cashback offsets the $329 fee.
Plan&Pay lets cardholders split eligible purchases into fixed monthly instalments
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
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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
Easy $29/day spend to hit the bonus. Good ongoing earn rate.

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.
Moderate spend — $67/day for 90 days. Excellent ongoing earn rate. High $425 fee — make sure you'll use the perks.
Instalment plans let you pay off purchases over time at a lower variable rate of 9.99% p.a., versus 16.99% p.a. on standard purchases.
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
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

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