Zakat must be paid in full, and the credit card bill must be settled immediately upon receipt. Paying in instalment risks incurring interest and additional charges which are impermissible.

If you prefer fulfilling your Zakat with monthly instalments, consider setting up a GIRO arrangement instead. Learn more about Zakat payment with GIRO: https://www.zakat.sg/zakat-modes-of-payment-dsb/giro/