With Pay Small, an extended payment plan by American Express, you can choose to break purchases into affordable instalments over 6, 12 or 24 months at 0% interest*.

Pay Small logo


* If you pay your Card Account in full each month. Terms and Conditions apply.

4 Easy Steps to Pay Small

Step 1:

Inform the on-ground staff that you would like to use Pay Small by American Express for your purchase



Step 2:

Present your American Express Card



Step 3:

Choose your instalment payment plan of 6, 12 or 24 months



Step 4:

That’s it - take your purchase home!






Browse through our merchants offering Pay Small

Special offers and promotions when you use Pay Small*

Receive S$80 Harvey Norman vouchers when you spend S$2,000 or more at selected Harvey Norman stores via instalment. Limited to the first 20 redemptions per store. Terms and Conditions apply. 

Enjoy S$100 instant savings and a Sealy Memory Foam Pillow (worth S$170) when you spend a minimum of S$3,500 or more at Sealy via instalment. Limited to the first 100 redemptions. Terms and Conditions apply. 


Spend S$5,000 or more at via instalment and receive a one-time S$200 statement credits. Limited to the first 10,000 successfully registered Cards. Terms and Conditions apply.

* No rewards (including Membership Rewards points, Cashback, KrisFlyer miles and STAR$®) will be accrued or earned in respect of Charges made under Pay Small. Other Terms and Conditions apply.