Sri Lanka
0% Instalment Plans
Split a big purchase into equal monthly payments at 0% interest (EPP). These are open-ended card benefits, not dated deals β what matters is where you can use them, for how long, the setup fee, and which cards qualify. Looking for discounts instead? β
22 plans of 763 Β· longest tenure first

Multilac
up to 36 mo Β· 0%12 / 24 / 36 monthsΒ· min Rs. 25,000Β· ndb
Verified at 1 source Β· 16 hr ago
βOffer valid period : Until 30th June 2026β
Full details
- Tenure
- 12 / 24 / 36 months
- Interest
- 0%
- Min spend
- Rs. 25,000
- Valid
- β β 2026-06-30
ConditionsOfficial plan page β12 Month Plan: Processing Fee LKR 2,000; Transaction Value Minimum LKR 25,000 β Maximum LKR 1 Mn. 24 & 36-Month Plans: Processing Fee LKR 3,500 or 2% of the transaction value (whichever is higher applicable); Transaction Value Minimum LKR 50,000 β Maximum LKR 2 Mn. Applicable for Solar, Housing & Construction category at Multilac Showrooms.

Damro
up to 24 mo Β· 0%3 / 6 / 12 / 24 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 2 sources Β· 16 hr ago
β0% + 3 ,6 ,12 & 24 months installment plans for every transaction above Rs.10,000 to Rs.1 millionβ
β0% + 3 ,6 ,12 & 24 months installment plans for every transaction above Rs.10,000 to Rs.1 millionβ
Full details
0% installment plans for 3, 6, 12 & 24 months for every transaction above Rs.10,000 to Rs.1 million at Damro
- Tenure
- 3 / 6 / 12 / 24 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2026-05-01 β 2026-06-30
- Eligible cards
- All credit cards
ConditionsOfficial plan page βAll HNB Credit Cards except Corporate, Business and Fuel Cards. Single transaction must be Rs.10,000 to Rs.1,000,000 and within available balance and authorized credit limit. Purchases must be performed during the promotional period and customer must call 0112 462 462 or visit HNB Easy Payment Plans page to convert. Transaction must be converted within 5 calendar days from date of transaction (e.g. transaction on 25th June 2026 must be informed by 30th June 2026). Transactions made 5 days prior to billing cycle will be converted only in the next billing period β cardholder must settle the statement amount and instalment plan takes effect from next billing cycle. Offer cannot be exchanged for cash or used with other promotional programs.

McBay
up to 24 mo Β· 0%3 / 6 / 12 / 24 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 16 hr ago
β03, 06 ,12 & 24 months 0% installment plans are available for transactions between Rs. 10,000 to Rs. 2.5 Mnβ
Full details
03, 06, 12 & 24 months 0% installment plans available for transactions between Rs. 10,000 to Rs. 2.5 Mn at McBay (Pvt) Ltd.
- Tenure
- 3 / 6 / 12 / 24 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2025-06-01 β 2026-06-30
- Eligible cards
- All credit cards
ConditionsOfficial plan page βAll HNB Credit Cards eligible except Corporate, Business & Fuel cards. Transaction value must be between Rs. 10,000 and Rs. 2.5 Mn. Offer cannot be combined with any other offer. Transaction must be converted within 5 calendar days from date of purchase by calling 0112 462 462 or via online. Transactions made 5 days prior to billing cycle will be converted in the next billing period. Transaction must be within approved credit limit; deposits over credit limit are not eligible.

Rocell
up to 24 mo Β· 0%12 / 24 monthsΒ· min Rs. 5,000Β· sampath
Verified at 1 source Β· 15 hr ago
β12 & 24 months 0% instalment plans at all Rocell Showrooms exclusively for Sampath Mastercard & Visa Credit Cardholdersβ
Full details
12 & 24 months 0% instalment plans at all Rocell Showrooms exclusively for Sampath Mastercard & Visa Credit Cardholders.
- Tenure
- 12 / 24 months
- Interest
- 0%
- Min spend
- Rs. 5,000
- Valid
- β β 2026-06-30
- Eligible networks
- Mastercard, Visa
ConditionsOfficial plan page βMinimum bill value must exceed Rs. 5,000/-. Cardholder must inform merchant of preferred instalment tenure at time of payment; conversion must be completed at merchant outlet at point of payment. Not valid for Gift Vouchers or non-discountable items. Cannot be combined with any other existing offers. Instalment amounts are non-refundable; instalment period may not be varied once approved. Part acceleration not allowed. Spending does not qualify for Ultra Rewards Loyalty points accumulation. General Terms & Conditions of Sampath Bank PLC and Royal Ceramics apply.

St. Anthony's Hardware
up to 24 mo Β· 0%3 / 6 / 12 / 24 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 16 hr ago
β03, 06, 12 & 24 months 0% installment plans are availableβ
Full details
03, 06, 12 & 24 months 0% installment plans are available for transactions between Rs. 10,000 to Rs. 2.5 Mn at St. Anthony's Hardware (St. Anthony's Solar and St. Anthony's Hydro Products).
- Tenure
- 3 / 6 / 12 / 24 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2025-06-01 β 2026-06-30
- Eligible cards
- All credit cards
ConditionsOfficial plan page βAll HNB Credit Cards except Corporate, Business & Fuel cards. Transaction must be between Rs. 10,000 and Rs. 2.5 Mn and within available balance and authorized credit limit. Offer cannot be combined with any other offer. Transaction must be converted to Easy Payment Plan within 5 calendar days from date of transaction by calling 0112 462 462 or via online. Transactions made 5 days prior to billing cycle will be converted in the next billing period. Cannot be exchanged for cash or used with other promotional programs.

Apuru
up to 12 mo Β· 0%3 / 6 / 12 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 16 hr ago
β0% + 3 ,6 & 12 months installment plans for every transaction above Rs.10,000 to Rs.1 millionβ
Full details
0% installment plans of 3, 6 and 12 months for every transaction above Rs.10,000 to Rs.1 million at Apuru (Pvt) Ltd using HNB Credit Cards.
- Tenure
- 3 / 6 / 12 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2026-04-27 β 2026-06-30
- Eligible cards
- All credit cards
ConditionsOfficial plan page βValid for all HNB Credit Cards except Corporate, Business and Fuel Cards. Single transaction must be between Rs.10,000 and Rs.1,000,000. Transaction must be within approved Credit Limit. Cardholder must convert transaction within 5 calendar days from transaction date by calling 0112 462 462 or via https://hnb.lk/personal/cards/value-added-services/easy-payment-plans. Transactions made 5 days prior to billing cycle will be converted in the next billing period. Offers cannot be exchanged for cash or used in conjunction with other promotional programs.

Atlas Lanka
up to 12 mo Β· 0%3 / 6 / 12 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 16 hr ago
β0% + 3 ,6 & 12 months installment plans for every transaction above Rs.10,000 to Rs.1 millionβ
Full details
0% installment plans for 3, 6 & 12 months for every transaction above Rs.10,000 to Rs.1 million at Atlas Lanka (Pvt) Ltd.
- Tenure
- 3 / 6 / 12 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2026-05-01 β 2026-06-30
- Eligible cards
- All credit cards
ConditionsOfficial plan page βAll HNB Credit Cards except Corporate, Business and Fuel Cards. Single transaction must be between Rs.10,000 and Rs.1,000,000 and within available balance and authorized credit limit. Purchases must be performed during the promotional period and converted within 5 calendar days from the date of transaction by calling 0112 462 462 or via https://hnb.lk/personal/cards/value-added-services/easy-payment-plans. Transactions made 5 days prior to billing cycle will be converted in the next billing period. Transactions performed by depositing funds over the credit limit are not eligible. Offers cannot be exchanged for cash or used in conjunction with other promotions.

Browns & Company
up to 12 mo Β· 0%3 / 6 / 12 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 16 hr ago
β0% + 3, 6 and 12 months installment plans for every transaction above Rs.10,000 to Rs.1 millionβ
Full details
0% installment plans for 3, 6, and 12 months on every transaction above Rs.10,000 up to Rs.1 million at Browns & Company, Colombo 10. Valid for all HNB Credit Cards except Corporate, Business and Fuel Cards.
- Tenure
- 3 / 6 / 12 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2023-03-01 β 2026-06-30
- Eligible cards
- All credit cards
ConditionsOfficial plan page βTransaction must be between Rs.10,000 and Rs.1,000,000. All HNB Credit Cards eligible except Corporate, Business and Fuel Cards. Transaction must be converted within 5 calendar days from the date of transaction by calling 0112 462 462 or via HNB easy payment plans portal. Transactions made 5 days prior to billing cycle will be converted in the next billing period. Transaction must be within approved credit limit; deposits over credit limit are not eligible. Offer cannot be exchanged for cash or used in conjunction with other promotions.

Browns & Company
up to 12 mo Β· 0%3 / 6 / 12 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 16 hr ago
β0% + 03, 06 & 12 months installment planβ
Full details
0% installment plan for 3, 6 & 12 months for transactions above Rs.10,000 to Rs.1 million at Browns & Company stores and www.brownsdeals.com.
- Tenure
- 3 / 6 / 12 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2025-09-01 β 2026-06-30
- Eligible cards
- All credit cards
ConditionsOfficial plan page βAll HNB Credit Cards except Corporate, Business and Fuel Cards. Single transaction must be Rs.10,000 to Rs.1,000,000. Transaction must be within approved credit limit. Must convert to installment plan within 5 calendar days from transaction date by calling 0112 462 462 or via online portal. Transactions made 5 days prior to billing cycle will be converted in the next billing period. Offer cannot be combined with other promotions or exchanged for cash.

Ceylon Furniture
up to 12 mo Β· 0%3 / 6 / 12 monthsΒ· min Rs. 10,000Β· seylan
Eligible: All credit cards
Verified at 1 source Β· 15 hr ago
β3M, 6M & 12M, 0% Installment Plans available for Credit Cardsβ
Full details
Installment Plans available for Seylan Credit Cards
- Tenure
- 3 / 6 / 12 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- β β 2026-12-31
- Eligible cards
- All credit cards
ConditionsOfficial plan page βMinimum transaction Rs. 10,000 and maximum Rs. 1 Million. Call 011 2008888 to convert. Valid for Seylan Credit Cards.

China Duty Free
up to 12 mo Β· 0%Β· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 16 hr ago
βUp to 12 months 0% installment plans are availableβ
Full details
Up to 12 months 0% installment plans are available for transactions between Rs. 10,000 to Rs. 1.0 Mn
- Tenure
- 12 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2026-04-29 β 2026-06-30
- Eligible cards
- All credit cards
ConditionsOfficial plan page βTransaction must be between Rs. 10,000 and Rs. 1.0 Mn (single transaction within available balance and authorized limit). Purchases must be performed during the Promotional Period and converted within 5 calendar days from the date of transaction by calling 011 2462 462 or via https://hnb.lk/personal/cards/value-added-services/easy-payment-plans. Transactions made 5 days prior to billing cycle will be converted in the next billing period. Transaction must be within approved Credit Limit; funds deposited over the credit limit are not eligible. Offer cannot be exchanged for cash or used in conjunction with other promotions. All HNB Credit Cards eligible.

Erosha Traders
up to 12 mo Β· 0%Β· min Rs. 10,000Β· seylan
Verified at 1 source Β· 15 hr ago
β0% Instalment Plans up to 12 Months for Seylan Credit Cards.β
Full details
0% Instalment Plans up to 12 Months for Seylan Credit Cards at Erosha Traders, Kelaniya.
- Tenure
- 12 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- β β 2026-12-31
ConditionsOfficial plan page βProcessing Fee Apply. Call 011 2008888 to convert. Minimum Transaction Rs.10,000 and maximum Rs.1 Million. General terms and conditions apply.

Global Vinyl
up to 12 mo Β· 0%Β· min Rs. 10,000Β· seylan
Verified at 1 source Β· 15 hr ago
β0% Instalment Plans Available up to 12 Month with your Seylan Credit Card.β
Full details
0% Instalment Plans Available up to 12 Month with your Seylan Credit Card.
- Tenure
- 12 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- β β 2026-12-31
ConditionsOfficial plan page βCall 011 2008888 to convert. Minimum transaction Rs. 10,000 and maximum Rs. 1 Million. General terms and conditions apply.

Kavichchiya Furniture
up to 12 mo Β· 0%3 / 6 / 12 monthsΒ· min Rs. 10,000Β· seylan
Verified at 1 source Β· 15 hr ago
β0% Instalment Plans for 3M,6M,12M with your Seylan Credit Card.β
Full details
- Tenure
- 3 / 6 / 12 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- β β 2026-12-31
- Categories
- lifestyle
ConditionsOfficial plan page βCall 011 2008888 to convert. Minimum transaction Rs.10,000 and maximum Rs.1 Million. General terms and conditions apply.

Luxury X
up to 12 mo Β· 0%6 / 12 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 16 hr ago
β0% + 03 & 06 months installment plans for transactions above Rs.10,000 to Rs.1 millionβ
Full details
0% installment plans of 3 & 6 months for purchases Rs.10,000βRs.1M, and 3, 6 & 12 months for purchases Rs.100,000βRs.1M at Luxury X Experience Showroom using any HNB Credit Card.
- Tenure
- 6 / 12 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2026-05-12 β 2026-06-30
- Eligible cards
- All credit cards
ConditionsOfficial plan page βAll HNB Credit Cards eligible. Transactions must be Rs.10,000 to Rs.1,000,000 for 3 & 6 month plans; Rs.100,000 to Rs.1,000,000 for 12 month plans. Transaction must be within approved credit limit. Deposits over credit limit not eligible. Must convert transaction within 5 calendar days from transaction date by calling 0112 462 462 or via HNB website. Transactions made 5 days prior to billing cycle will be converted in the next billing period. Offer cannot be exchanged for cash or used with other promotions. Contact: 0750710000.

Macktiles Lanka
up to 12 mo Β· 0%Β· min Rs. 10,000Β· seylan
Verified at 1 source Β· 15 hr ago
β0%, 12 Months Installment Plansβ
Full details
- Tenure
- 12 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- β β 2026-06-30
ConditionsOfficial plan page βCall 011 2008888 to convert. Minimum transaction Rs. 10,000 and maximum Rs. 1 Million. Processing fee applies. General terms and conditions apply.

Miniature Works Of Art (MWOA)
up to 12 mo Β· 0%3 / 6 / 12 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 16 hr ago
β0% + 3 ,6 & 12 months installment plans for every transaction above Rs.10,000 to Rs.1 millionβ
Full details
0% installment plans for 3, 6 & 12 months on every transaction above Rs.10,000 to Rs.1 million at Miniature Works Of Art - MWOA.
- Tenure
- 3 / 6 / 12 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2026-05-01 β 2026-06-30
- Eligible cards
- All credit cards
ConditionsOfficial plan page βAll HNB Credit Cards except Corporate, Business and Fuel Cards. Transaction must be Rs.10,000 to Rs.1,000,000. Must convert within 5 calendar days of transaction by calling 0112 462 462 or via online portal. Transactions made 5 days prior to billing cycle will be converted in the next billing period. Cannot be combined with other promotions or exchanged for cash.

N-Connection
up to 12 mo Β· 0%3 / 6 / 12 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 16 hr ago
β0% + 3 ,6 & 12 months installment plans for every transaction above Rs.10,000 to Rs.1 millionβ
Full details
0% installment plans for 3, 6 & 12 months for every transaction above Rs.10,000 to Rs.1 million at N-Connection (PVT) Ltd.
- Tenure
- 3 / 6 / 12 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2026-05-01 β 2026-06-30
- Eligible cards
- All credit cards
ConditionsOfficial plan page βAll HNB Credit Cards eligible except Corporate, Business and Fuel Cards. Single transaction must be between Rs.10,000 and Rs.1,000,000 and within available credit limit. Must convert transaction to easy payment plan within 5 calendar days of purchase by calling 0112 462 462 or via HNB online. Transactions made 5 days prior to billing cycle will be converted in the next billing period. Transactions funded by depositing over the credit limit are not eligible. Offer cannot be exchanged for cash or combined with other promotions.

OKI International
up to 12 mo Β· 0%3 / 6 / 12 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 16 hr ago
β0% + 3 ,6 & 12 months installment plans for every transaction above Rs.10,000 to Rs.1 millionβ
Full details
0% installment plans for 3, 6 & 12 months for every transaction above Rs.10,000 to Rs.1 million at OKI International (Pvt) Ltd.
- Tenure
- 3 / 6 / 12 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2026-05-01 β 2026-06-30
- Eligible cards
- All credit cards
ConditionsOfficial plan page βAll HNB Credit Cards except Corporate, Business and Fuel Cards. Single transaction must be Rs.10,000 to Rs.1 million and within available balance and authorized limit. Purchases must be performed during the promotional period and cardholder must contact HNB Call Centre (011 2462 462) or visit HNB website within 5 calendar days of the transaction to convert to easy payment plan. Transactions made 5 days prior to billing cycle will be converted in the next billing period. Transactions performed by depositing funds over the credit limit are not eligible. Offers cannot be exchanged for cash or used in conjunction with any other promotional programs.

Ranga Shopping Centre
up to 12 mo Β· 0%3 / 6 / 12 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 16 hr ago
β0% + 03 ,06 & 12 months installment plansβ
Full details
0% installment plans for 3, 6 and 12 months for transactions above Rs.10,000 to Rs.1 million at Ranga Shopping Centre, Panadura.
- Tenure
- 3 / 6 / 12 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2026-06-01 β 2026-06-30
- Eligible cards
- All credit cards
ConditionsOfficial plan page βAll HNB Credit Cards except Corporate, Business and Fuel Cards. Transaction must be Rs.10,000 to Rs.1,000,000. Must convert within 5 calendar days of transaction by calling 0112 462 462 or via HNB website. Transactions made 5 days prior to billing cycle will be converted in the next billing period. Transaction must be within approved Credit Limit; funds deposited over credit limit are not eligible. Cannot be combined with other promotional programs or offers.

Sarathchandra Tools & Machinery
up to 12 mo Β· 0%3 / 6 / 12 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 16 hr ago
β0% + 03 ,06 & 12 months installment plans for transactions above Rs.10,000 to Rs.1 millionβ
Full details
0% installment plans for 3, 6 and 12 months on transactions above Rs.10,000 to Rs.1 million at Sarathchandra Tools And Machinery - Sarathchandra & Company, Embilipitiya.
- Tenure
- 3 / 6 / 12 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2026-02-16 β 2026-06-30
- Eligible cards
- All credit cards
ConditionsOfficial plan page βAll HNB Credit Cards except Corporate, Business and Fuel Cards. Transactions must be Rs.10,000 to Rs.1,000,000. Must convert within 5 calendar days of transaction by calling 0112 462 462 or via HNB easy payment plan portal. Transactions within approved credit limit only; deposits over credit limit not eligible. Cannot be combined with other offers or exchanged for cash. Transactions made 5 days prior to billing cycle converted in next billing period.

VINCO Furniture
up to 12 mo Β· 0%3 / 6 / 12 monthsΒ· min Rs. 10,000Β· seylan
Verified at 1 source Β· 15 hr ago
β0% Instalment Plans for 3M,6M,12M with your Seylan Credit Cardsβ
Full details
- Tenure
- 3 / 6 / 12 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- β β 2026-12-31
ConditionsOfficial plan page βCall 011 2008888 to convert. Min transaction Rs. 10,000 and maximum Rs. 1,000,000. General terms and conditions apply.