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
21 plans of 763 Β· longest tenure first

Archer Prime International
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· 9 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 are available for transactions between Rs. 10,000 to Rs. 2.5 Mn
- 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. Transactions between Rs. 10,000 to Rs. 2.5 Mn. Offer cannot be combined with any other offer. Customer must convert transaction within 5 calendar days from date of transaction. Transaction must be within approved credit limit; deposits over limit not eligible. Transactions made 5 days prior to billing cycle will be converted in next billing period.

Destiny Enterprises
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· 9 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 Destiny Enterprises.
- Tenure
- 3 / 6 / 12 / 24 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2026-01-27 β 2026-06-30
- Eligible cards
- All credit cards
ConditionsOfficial plan page βAvailable for transactions between Rs. 10,000 to Rs. 2.5 Mn. All HNB Credit Cards eligible except Corporate, Business & Fuel cards. Transaction must be 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. Transaction must be within approved credit limit; transactions funded by depositing over the credit limit are not eligible. Cannot be used in conjunction with any other promotional programs or offers.

Panhindha Engineering
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· 9 hr ago
β0% + 3, 6 ,12 & 24 months installments are available for transaction above Rs. 10,000 to Rs. 2.5 Millionβ
Full details
0% installment plans for 3, 6, 12 & 24 months available at Panhindha Engineering (PVT) Ltd for transactions between Rs. 10,000 and Rs. 2.5 Million using any HNB Credit Card (excluding Corporate, Business & Fuel cards).
- 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 βAvailable for transactions above Rs. 10,000 to Rs. 2.5 Million. All HNB Credit Cards except Corporate, Business & Fuel cards. Transaction must be within the customer's approved Credit Limit. Cardholder must convert the transaction within 5 calendar days from the date of transaction by calling 0112 462 462 or via HNB website. Transactions made 5 days prior to billing cycle will be converted only during the next billing period. Offers cannot be exchanged for cash or used in conjunction with any other promotional programs.

Starsage Holdings
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· 9 hr ago
β0% + 3, 6 , 12 & 24 months installment plans for every transaction above Rs.10,000 to Rs. 2.5 millionβ
Full details
0% installment plans for 3, 6, 12 & 24 months for every transaction above Rs.10,000 to Rs. 2.5 million at Starsage Holdings (Pvt) Ltd, Watala.
- 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 million. Must be within approved credit limit. Transaction must be converted within 5 calendar days. Purchases must be informed to HNB Call Centre (011 2462 462) or via online portal to convert to easy payment plan. Offers cannot be combined with other promotions or exchanged for cash.

Global Star Mark
up to 12 mo Β· 0%3 / 6 / 12 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 9 hr ago
β0% + 03, 06 & 12 months installment planβ
Full details
0% installment plan available for 3, 6 & 12 months on transactions above Rs. 10,000 to Rs. 1 million at Global Star Mark (Pvt) Ltd, Pannipitiya.
- Tenure
- 3 / 6 / 12 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2026-03-09 β 2026-06-30
- Eligible cards
- All credit cards
ConditionsOfficial plan page βTransactions must be between Rs. 10,000 and Rs. 1,000,000. All HNB Credit Cards eligible except Corporate, Business and Fuel Cards. Must convert transaction within 5 calendar days from date of transaction by calling 011 2462 462 or via online portal. Transaction must be within approved credit limit. Cannot be used in conjunction with any other promotional offers. Transactions made 5 days prior to billing cycle will be converted in the next billing period.

Hunter Holdings
up to 12 mo Β· 0%3 / 6 / 12 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 9 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 Hunter Holdings (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. Transaction must be Rs.10,000 to Rs.1,000,000. Cardholder must convert within 5 calendar days of transaction by calling 0112 462 462 or via HNB website. Cannot be combined with other offers or exchanged for cash. Transactions exceeding approved credit limit are not eligible.

Semage & Co
up to 12 mo Β· 0%3 / 6 / 12 monthsΒ· min Rs. 10,000Β· seylan
Verified at 1 source Β· 8 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
ConditionsOfficial plan page βCall 011 2008888 to convert. Min transaction Rs. 10,000 and maximum Rs. 1,000,000. General terms and conditions apply.

Suyamas International
up to 12 mo Β· 0%3 / 6 / 12 monthsΒ· min Rs. 10,000Β· seylan
Verified at 1 source Β· 8 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
ConditionsOfficial plan page βCall 011 2008888 to convert. Min transaction Rs. 10,000 and maximum Rs. 1,000,000. General terms and conditions apply.

V Square
up to 12 mo Β· 0%3 / 6 / 12 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 9 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 and 12 months on every transaction above Rs.10,000 up to Rs.1 million at V Square (PVT) Ltd using HNB Credit Cards.
- 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. Purchases must be converted within 5 calendar days from 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. Transaction must be within approved Credit Limit. Cannot be combined with other offers or exchanged for cash.

Zante Consultancy
up to 12 mo Β· 0%3 / 6 / 12 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 9 hr ago
β0% + 3 ,6 & 12 months installment plans for every transaction above Rs.10,000 to Rs.1 millionβ
Full details
- 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 between Rs. 10,000 and Rs. 1,000,000. Must convert transaction within 5 calendar days from transaction date. Purchases must be performed during the promotional period and informed to HNB call center on 0112 462 462 or via online portal. Transaction must be within approved credit limit. Cannot be exchanged for cash or used in conjunction with other promotional programs.

AQ2O (Aquire Global)
up to 6 mo Β· 0%3 / 6 monthsΒ· min Rs. 10,000Β· hnb
Verified at 1 source Β· 9 hr ago
β15% off on selected itemsβ
Full details
15% off on selected items at Aquire Global (Pvt) Ltd - AQ2O, plus 0% installment plans for 3 and 6 months on transactions above Rs.10,000. Valid for HNB Credit Cardholders.
- Tenure
- 3 / 6 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2026-04-10 β 2026-06-30
ConditionsOfficial plan page βOffer period: 10 April to 30 June 2026. Installment conversion period: till 30 April 2026 (transactions must be converted within 5 calendar days of purchase; e.g. transaction on 25 April must be converted by 30 April). Installment applies to single transactions of Rs.10,000 to Rs.1,000,000. Transaction must be within approved credit limit; transactions depositing funds over the credit limit are not eligible. Offer cannot be combined with any other existing offer. Card member must settle total bill via HNB credit card. Offers cannot be exchanged for cash or used in conjunction with other promotions. Transactions made within 5 days of billing cycle will be converted in the next billing period. Contact: 0766448898 / 0760664484.

BeKool
up to 6 mo Β· 0%3 / 6 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 9 hr ago
β0% + 3 & 6 months installment plans for every transaction above Rs.10,000 to Rs.1 millionβ
Full details
0% installment plans for 3 and 6 months for every transaction above Rs. 10,000 up to Rs. 1 million at BeKool (Pvt) Ltd, Negombo.
- Tenure
- 3 / 6 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2025-11-25 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 and within available balance and authorized credit limit. Purchases must be made during the promotional period and cardholder must inform HNB call center (0112 462 462) or visit hnb.lk within 5 calendar days of the transaction to convert to installment plan. 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 promotions.

Blink International
up to 6 mo Β· 0%3 / 6 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 2 sources Β· 9 hr ago
β0% + 3 & 6 months installment plans for every transaction above Rs.10,000 to Rs.1 millionβ
β03 & 06 months 0% installment plans are available for transactions between Rs. 10,000 to Rs. 1 Mnβ
Full details
03 & 06 months 0% installment plans available for transactions between Rs. 10,000 to Rs. 1 Mn at Blink International (Pvt) Ltd. Valid till 30th June 2026.
- Tenure
- 3 / 6 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2026-03-11 β 2026-06-30
- Eligible cards
- All credit cards
ConditionsOfficial plan page βTransaction value must be between Rs. 10,000 and Rs. 1,000,000. All HNB Credit Cards eligible except Corporate, Business and Fuel Cards. Cardholder must convert the transaction within 5 calendar days from the date of transaction. Call HNB Call Centre on 011 2462 462 or visit hnb.lk to convert. Transactions made 5 days prior to billing cycle will be converted in the next billing period. Transaction must be within approved Credit Limit; transactions performed by depositing funds over the credit limit are not eligible. Offers cannot be exchanged for cash or used in conjunction with other promotional programs.

Certis Lanka
up to 6 mo Β· 0%3 / 6 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 9 hr ago
β0% + 03 ,06 months installment plansβ
Full details
0% + 03, 06 months installment plans for transactions above Rs.10,000 to Rs.1 million
- Tenure
- 3 / 6 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2026-03-11 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 limit. Purchases must be performed during the Promotional Period. Customer must convert the transaction within 5 calendar days from the date of performing the 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. Transaction must be within approved Credit Limit; transactions performed by depositing funds over the credit limit are not eligible. Offer cannot be exchanged for cash or combined with other promotions.

Exel Holdings
up to 6 mo Β· 0%3 / 6 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 9 hr ago
β0% + 3 and 6 months installment plans for every transaction above Rs.10,000 to Rs.1 millionβ
Full details
Enjoy 0% installment plans for 3 or 6 months on purchases at Exel Holdings (Pvt) Ltd for transactions between Rs. 10,000 and Rs. 1,000,000 using any HNB Credit Card (excluding Corporate, Business and Fuel Cards).
- Tenure
- 3 / 6 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2026-03-11 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. Cardholder must convert transaction within 5 calendar days from date of transaction (e.g., transaction on 26 June 2026 must be converted on or before 30 June 2026). Call 0112 462 462 or visit hnb.lk to convert. 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.

JKOA
up to 6 mo Β· 0%3 / 6 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 9 hr ago
β0% + 03 ,06 months installment plans for transactions above Rs.10,000 to Rs.1 millionβ
Full details
0% + 03, 06 months installment plans for transactions above Rs.10,000 to Rs.1 million at JKOA
- Tenure
- 3 / 6 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2025-05-05 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 limit. Purchases must be performed during the Promotional Period and conversion requested 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. Transaction must be within approved Credit Limit; transactions performed by depositing funds over the credit limit are not eligible. Cannot be exchanged for cash or used in conjunction with other promotions.

Lanka Aluminium Industries
up to 6 mo Β· 0%3 / 6 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 9 hr ago
β03 & 06 months 0% installment plans are available for transactions between Rs. 10,000 to Rs. 1.0 Mnβ
Full details
03 & 06 months 0% installment plans are available for transactions between Rs. 10,000 to Rs. 1.0 Mn at Lanka Aluminium Industries locations in Maharagama, Colombo 10, and Ja-Ela.
- Tenure
- 3 / 6 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2025-09-29 β 2026-06-30
- Eligible cards
- All credit cards
- Categories
- hardware
ConditionsOfficial plan page βAvailable for transactions between Rs. 10,000 to Rs. 1,000,000. Eligible for all HNB Credit Cards except Corporate, Business, and Fuel Cards. Cardholder must convert transaction to Easy Payment Plan 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. Single or multiple purchases permitted within the transaction range. 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.

ONEI
up to 6 mo Β· 0%3 / 6 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 9 hr ago
β0% + 3, 6 months installment plans for every transaction above Rs.10,000 to Rs.1 millionβ
Full details
0% installment plans of 3 or 6 months for every transaction above Rs.10,000 to Rs.1 million at ONEI (Pvt) Ltd, valid till 30th June 2026.
- Tenure
- 3 / 6 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2025-07-01 β 2026-06-30
- Eligible cards
- All credit cards
ConditionsOfficial plan page βAll HNB Credit Cards eligible 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. Offer cannot be combined with any other existing offer. Transaction must be within approved credit limit; deposits over credit limit not eligible.

Present Solution
up to 6 mo Β· 0%3 / 6 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 9 hr ago
β0% + 03 and 06 months installment plans for transactions above Rs.10,000 to Rs.1 millionβ
Full details
0% installment plans for 03 and 06 months for transactions above Rs.10,000 to Rs.1 million at Present Solution, Liberty Plaza.
- Tenure
- 3 / 6 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2025-07-03 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 Rs.10,000 to Rs.1,000,000 and within available balance and authorized limit. Card member must convert transaction 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 only in the next billing period. Transaction must be within approved Credit Limit; funds deposited over credit limit are not eligible. Offers cannot be exchanged for cash or combined with other promotions.

Ranfer Professional Services
up to 6 mo Β· 0%3 / 6 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 9 hr ago
β0% + 03 and 06 months installment plans for transactions above Rs.10,000 to Rs.1 millionβ
Full details
0% + 03 and 06 months installment plans for transactions above Rs.10,000 to Rs.1 million
- Tenure
- 3 / 6 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 and Fuel Cards. Single transaction must be between Rs.10,000 and 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 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. Offer cannot be exchanged for cash or used in conjunction with other promotions.

Spring Pal
up to 6 mo Β· 0%3 / 6 monthsΒ· min Rs. 10,000Β· hnb
Eligible: All credit cards
Verified at 1 source Β· 9 hr ago
β03 & 06 months 0% installment plans are available for transactions between Rs. 10,000 to Rs. 1 Mnβ
Full details
03 & 06 months 0% installment plans are available for transactions between Rs. 10,000 to Rs. 1 Mn
- Tenure
- 3 / 6 months
- Interest
- 0%
- Min spend
- Rs. 10,000
- Valid
- 2026-03-11 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 between Rs. 10,000 and Rs. 1,000,000. Must convert transaction within 5 calendar days from transaction date by calling 0112 462 462 or via HNB online portal. Offer cannot be combined with any other offer. Transaction must be within approved credit limit; deposits over credit limit not eligible. Cannot be exchanged for cash or used with other promotional programs.