Flexible Payment,
Absolute 0% Fees*

Split large purchases into flexible 3 or 6-month instalments and get 100% of your processing fees refunded as cashback.

1 - 30 November 2026

DConvert Now

*T&Cs apply.

DCS Ultimate Platinum Mastercard, DCS Ultimate Platinum UnionPay Card and DCS Flex Visa Platinum Card

Buy What You Love, DConvert at 0% Fees

Spent S$300 or more? Split any single online or in-store transaction into
3 or 6-month instalments with 0% interest and processing fees today.

Earn an additional 2% * bonus cashback with
DCS Ultimate Platinum Mastercard

AIRLINES & HOTELS

Plan your next getaway, split your booking into lighter payments.

*T&Cs apply.
Visit https://cards.dcscc.com/ultimate
for more information.

FOOD & DINING

Savor every meal and spread out the cost with light, flexible payments.

HOME APPLIANCES

Upgrade your home and space with easy, lighter payments.

FURNITURE

Refresh your living space and spread out the cost with light payments.

Split Your Purchase Now in DCS Cards App

How to DConvert Your Transaction

  1. 1

    MAKE A TRANSACTION
    WORTH AT LEAST S$300

    Pay with an eligible DCS Card in one swipe or checkout—online or in store.

  2. 2

    CHOOSE A TRANSACTION
    TO SPLIT OVER 3 OR 6 MONTHS

    Open the DCS Cards App and head to Card Management > DConvert > Single Transaction to select your eligible transactions.

  3. 3

    GET 100% CASHBACK ON PROCESSING FEE

    Pay your first instalment and upfront processing fee. Get 100% cashback on the processing fee credited to your account within 30 working days after the promotion ends.

Here's How Much You Save with 0% DConvert Fees

FOR A S$300
PURCHASE		 PROMO DETAILS
(3% PROCESSING FEE WAIVED)		 WHAT HAPPENS?
Tenure 3 Months

Split into 3 easy monthly instalments of S$100/month
Bill Amount S$300.00

Pay S$100/month over 3 months
First Payment
(Month 1)		 S$109.00

Includes your first instalment (S$100) + Upfront 3% processing fee (S$9.00)
Cashback - S$9.00

100% of the processing fee will be refunded within 30 working days
Your Actual
Bill amount		 S$300.00

Absolute 0% fees after cashback

*Only single transactions of S$300 or above to qualify for DConvert. T&Cs apply.

Terms & Conditions

DConvert 0% Fees Campaign

  1. The "DConvert 0% Fees" Campaign is valid from 1 - 30 November 2026, both dates inclusive ("the Promotion Period").
  2. This Promotion is strictly applicable only to selected eligible DCS Ultimate Platinum Mastercard, DCS Flex Visa Platinum Card and DCS Ultimate Platinum UnionPay Card only.
  3. Participation is limited to the first 1,000 successful DConvert transactions during the Promotion Period, on a first-come, first-served basis.
  4. To qualify for the processing fee waiver via cashback, Eligible Cardmembers must successfully charge a minimum single transaction of S$300 or above to their eligible DCS Card and Convert it into a 3 or 6-month instalment plan via DConvert during the Promotion Period.
  5. Eligible Cardmembers will initially be charged the standard processing fee for the DConvert instalment plan, which will subsequently be credited back to their card account as cashback equivalent to the exact processing fee amount charged.
  6. The cashback will be credited to the qualifying card account within 30 working days after the end of the Promotion Period.
  7. Excluded Transactions: DConvert 0% Processing Fee Cashback shall not apply to cash advances, gambling or lottery transactions, e-wallet top-ups, AXS/SAM bill payments, tax payments, government services, insurance premiums, utility bills, or any transactions categorized under Merchant Category Codes (MCCs) 4900, 6010, 6011, 6012, 6051, 6211, 6300, 6540, 7399, 7995, 9211, 9222, 9223, 9311, or 9399.
View the full Terms & Conditions Here

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