Flexible Payment,
Absolute 0% Fees^*

Split large purchases into easy 3-month instalments and get your processing fees fully refunded as cashback.

*T&Cs apply. Valid from 1st - 31st October 2026.

PAY LATER WITH DCONVERT AT 0% FEES

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

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

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

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

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

Upgrade your home and space with easy, lighter payments.

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

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
SELECT YOUR TRANSACTION
FOR 3-MONTH DCONVERT
INSTALMENT

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

FIRST 1,000 SUCCESSFUL DCONVERT TRANSACTIONS

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 and above qualify for DConvert. T&Cs apply.

DConvert 0% Fees Campaign

The "DConvert 0% Fees" Campaign is valid from 1st - 31st October 2026, both dates inclusive ("the Promotion Period").
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.
Participation is limited to the first 1,000 successful DConvert transactions during the Promotion Period, on a first-come, first-served basis.
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-month instalment plan via DConvert during the Promotion Period.
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.
The cashback will be credited to the qualifying card account within 30 working days after the end of the Promotion Period.
Exclusions: Transactions classified under MCC 6540 (Digital Card Reload) and MCC 6012 (Merchandise, Services, and Debt Repayment) do not qualify for DConvert.

View the full Terms & Conditions Here

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