Buy now pay later
Pay for your purchase in 4 interest-free payments, due every two weeks

Maximise card rewards

Link any bank credit or debit cards as your payment method and continue earning rewards across your cards


Nothing extra to pay if you make your payments on time. A late fee may be applied for missed payments.

Instant Approval

Get approved instantly. No lengthy forms to fill. It’s as simple as when making any other card purchase.

How it works

Add items to your shopping cart and select Rely as your payment method during checkout

Enter your credit or debit card payment details to split your purchase into 4 interest-free payments

Enjoy instant approval for your purchases and automated payments to your card every two weeks.

Support cards across all major banks

Enjoy interest-free installments and earn your rewards from major bank cards.

Who can use Rely

- Has a Singapore residential address

- Has a Singapore issued credit or debit card

- Is above the age of 21 years old


What is Rely?

Rely Pay Later is a service that enables you to get your purchase now and pay for them in 4 interest-free payments, due every two weeks.

How do I use Rely PayLater?

Simply shop online and add items to your shopping cart. At checkout, choose Rely PayLater as your payment method. First time customers will need to register with Rely and provide payment details as usual.

What cards does Rely accept?

Rely accepts Mastercard and Visa credit and debit cards issued in Singapore. Unfortunately Rely does not accept any prepaid cards or foreign debit cards.

When will my first payment be charged?

Your first payment will be charged upon approval at the time of purchase. Subsequent payments will be automatically charged to your card.

When will I get my order?

Your order made with Rely PayLater will be delivered at the same standard timeframes as all other orders.

Is there a limit to how much I can spend with Rely PayLater?

Yes, limits may vary depending on the individual order and customer. The more orders you have successfully repaid, the more likely you will be able to spend more. Limits are usually lower for new shoppers until we get to know you. Maximum Transaction Limits Debit Card – $1000 Credit Card – $4000

How do I return or exchange an item purchased with Rely PayLater?

You can return or exchange your item according to the store’s Return Policy. Refunds will be processed by adjusting your payment plan with Rely. If you have paid more than the adjusted amount, Rely will then arrange a refund to be paid to you

What products are not eligible for purchase with Rely PayLater?

Rely PayLater is not available on purchase of gift cards.