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23 Jan 2021

Unlike with most competitors, cardholders earn rewards upfront on purchases made on the plan. To avoid finance charges being imposed, all Cardholders who have subscribed to 0% Easy Pay, are required to make payment of the monthly instalment specified at the time the Instalment Payment Plan ("the Monthly Instalment") is entered into in full. Own a credit card. Had Salina made the purchase with cash or credit card, it could take her up to 36 months (or more than that) to recover her used up savings. Maximum amount for CIMB 0% i.Pay Plan conversion is … When looking for an EPP that is offering 0% interest, pay attention to the fine prints too; are there any fees that you need to pay upfront? No processing fee. Most importantly, I am already using them to get cash back each month. UOB Installment Payment Plan allows you to enjoy 0% installment payment when you shop at our merchant partner outlets. 0% interest rates; Fixed … Convert your retail purchases into instalment plan Easy Payment Scheme. Works with any debit/credit card! For the Lady’s cardholders (Gold, Platinum and Solitaire), you have the privileges to convert your luxury and overseas purchases into a 0% EPP via UOB LuxePay Easi-Payment Plan. If you don’t have any yet, apply for one at, Check if the store is a participating merchant of your credit card 0% EPP, Inform the store’s cashier that you would like to use EPP and choose your preferred tenure upon payment, Check your statement for the amount of your monthly instalment and start repaying. Check your credit score today and get a FREE credit report of your overall financial health. credit card on a retail transaction, you have a 20-day interest-free period after the statement is issued to settle the payment in full amount. With the 0% HSBC Card Instalment Plan, ... *Payment must be made with an HSBC Credit Card issued in Malaysia. Eligible transactions are defined as retail purchases (local and overseas) including online transaction and bill payment. Minimum amount for CIMB 0% i.Pay Plan conversion is S$500 per transaction. Malaysia; Philippines; Cambodia; Indonesia; Back. Here are Malaysia's best balance transfer credit cards! Essentially, a credit card can have 2-3 instalment plans for different purposes. 3. Oftentimes, most banks require a full payment of EPP and other credit facilities, on top of the minimum monthly payment of RM50 or 5% of the outstanding balances. Easy Payment Plan (EPP) allows you to breathe easy when making big purchases - convert your repayments into flexible 0% EPP instalments with your credit card and enjoy interest free shopping for up to 36 months. Open to all UOB cardholders, subject to terms and conditions. Available credit limit is based on current spend and may vary if you have spent or made payment toward outstanding balances. The duration may depend on the credit card issuer or the financial institutions. Apply online now on Hong Leong CONNECT. This purchase will cost her RM6,000. If repaying a huge amount of credit within a 20-day grace period is unmanageable for you, an EPP gives you the flexibility to stretch the repayment up to 36 months. Savings for emergency purposes might have depleted. Don’t dwell on your indecision for too long, there is an alternative you can explore to make that big-ticket item purchase affordable. If you’re one of the many people who want to avail of Lazada's installment plans but does not own any credit card, welcome! Do you know that you can also check if your credit card is participating in the merchants’ 0% easy payment plans? Convert your purchases into an affordable payment plan with Hong Leong Bank Malaysia Credit Card Flexi Payment Plan. Estimate your Instalment Plan. If you’re lucky, you may get 0% interest on a longer tenure, which gives you a lower monthly commitment. CIMB Bank makes no warranties as to the status of this link or information contained in the website you are about to access. Card Services Maybank 0% Instalment Payment Plan . Shop and pay for your purchases in monthly 0% instalment of up to 36 months at our participating merchant outlets. SC SingPost Spree Card also comes with the EasyPay, a 0% interest instalment plan that splits transactions of S$500+ across 6 or 12 months. 0% Easy Pay Plan (EPP) of up to 12 months is available. And last but not least, your credit score will be affected when a missing payment is captured in the system. Explore what's new. This amount will be your new credit limit on other transactions. 12-month Easy Payment Plan; via credit cards issued by CIMB, HSBC, Public, Maybank, UOB, and Hong Leong bank only. Apply for a 0% Auto-IPP (Instalment Payment Plan) today! Up to 18% p.a. Pay with 0% Interest Installment. This way, you can earn your credit card rewards while paying off your bill over a more manageable 6- to 12-month schedule at 0% interest. Minimum purchase amount is dependent on the terminals used by the individual merchants and may be RM500.00 or RM1,000.00. Ultimately, SC SingPost Spree Card is a great option if you make purchases on sites … Benefits; Participating Outlets; Other Information ; node.content_display_type.children.ct_title[0] Locate Us. Turn your dreams into a reality by going for that life-changing trip to see all seven wonders of the world, an unforgettable beach wedding, a … Do you wish to proceed? By continuing to use the website, you will be agreeing to our Privacy Policy and the use of cookies. The minimum amount for each Cash Instalment Plan ("CIP") application to qualify for this programme is RM1,000 and the amount must be in multiples of RM100. Installments is a feature of consumer credit cards in some markets (known as meses sin intereses in Mexico) that allows customers to split purchases over multiple billing statements. Bhd. This interest will compound every month until you have cleared up the outstanding balance, which could take months or years. Promotion Period: 8 October - 31 December 2020 Get 0% balance transfer for 12 Months to help you on your financial needs! CIMB Bank: All rights reserved. Installment Plan 0% Installment Bundle - Online 0% Installment Bundle - Retail Maxis Plan iPhone for everyone SALE ... 24-month Easy Payment Plan; via credit cards issued by Public, Maybank, UOB, Hong Leong, Standard Charted bank. Now, let’s take a look at an example below: Salina is a beauty influencer who creates social media contents on a weekly basis. It's easy to set-up your installment plan, all you have to do is: 1. When enrolling your retail purchase into an EPP, you need to watch out for these features as they may not be universal for all credit cards: To maximise on savings, you want to be repaying the same amount you have swiped without an extra fee or charge being added onto it. Cardmember must choose the instalment period from a minimum of 3 months to a maximum of 36 months, which varies by individual EzyPay Merchant. Welcome great fortune with a symbol of prosperity. Maybank 0% EzyPay Instalment Plan is applicable to all new and existing Visa/ MasterCard/ American Express Credit Cards issued by Malayan Banking Berhad or Maybank Islamic Berhad. However, the period is between 3 and 24 months. Worst comes to the worst, your credit score will not be impressive too. For example, you have a credit limit of RM10,000 and want to convert RM6,000 into a 0% instalment plan, you will have a credit balance of RM4,000. on the outstanding balance. Read on as we will guide you to discover how you can turn that wish list into a reality via a credit card easy payment plan. I have done the comparison for all Malaysia credit cards and shortlisted the top 5 best cash back credit cards. A bank will usually have a list of participating merchants that are offering 0% instalment plans. Some banks give you several days after the purchase transaction date to decide if you want to convert them into a flexi instalment plan. Make a purchase of at least RM500 in a single receipt using your AEON Credit Card. 3-Month Flexi Payment Plan (FPP) At 0% Fee. When making a payment, choose between 3 to 36 months tenure for monthly credit card payments. Enjoy convenient cash access anytime Balance Transfer Plus. Campaign period: 6 April 2018 to 30 September 2018 . © 2021 Jirnexu Sdn. Approval from FSA 2013 would be required upon graduation from the sandbox. Ever caught yourself considering buying something you have been eyeing on to but are conflicting with your own conscience whether you Applicable to all CIMB Credit Cards except CIMB AWSM Card. AEON Credit Malaysia is a financial services company that commenced operations in 1997. We have refreshed our website and we can’t wait for you to experience it. This clause is to encourage cardholders to make a minimum repayment on their outstanding balances to avoid getting penalised for missing or late payment. One of the top picks for Credit Cards with money rewards by The Sunday Times! Minimum amount of S$1,000 for 24-month tenures may apply for some participating merchants. Continue reading. We hear that you are ready to go with a 0% easy payment plan on your upcoming purchase, so we have outlined the A to Z of applying a 0% flexi payment plan for you: Other ways you can sign up for an 0% EPP is to do it via SMS or by submitting the application form directly to the bank. The Best Instalment Payment Plans in Malaysia . 0% HSBC Card Instalment Plan. Here are some of them: UOB credit cards have some of the best 0% easy payment plans for specific categories such as: For a limited time until 31 December 2020, when you spend a minimum of RM10,000 in a single transaction with UOB Visa Infinite on these categories, you can convert it to a 0% Easi-Payment Plan for 12 months, subject to terms and conditions. Convert your retail purchases to RHB Smart Instalment Payment Plan at 0% interest for up to 36 months, for better financial flexibility. I agree to be contacted by RinggitPlus via WhatsApp regarding my application, Public Bank Zero Interest Installment Plan, Best Free Airport Lounge Access Credit Cards, Guide to Buying Your First Insurance Plan. Enjoy 0% instalment billed to your credit card each month. Retail Credit Card Instalment. Look for the “0% Easy Pay” logo when you make a purchase at a participating merchant outlet. Consolidate your credit card outstanding balances FlexiPay Plus. Banks will strip off that 0% interest when a payment is missed and charge a 18% p.a. CIMB 0% Easy Pay is only valid at participating merchant outlets. After you choose your instalment option, you will be able to view your payment details, including Monthly Payment (plus interest) and Number of Instalments. Charge into the new year with an abundance of wealth. Enjoy greater savings with this card that offers one of the highest cash rebates for your daily essentials across Singapore and Malaysia. Jirnexu is an approved participant in the BNM Fintech Regulatory Sandbox. Earlier, we have mentioned that a credit card issuer can have selected merchants that you can qualify for a 0% instalment plan. If a Cardholder does not settle in full any particular Monthly Instalment as and when those Monthly Instalment falls due, the Cardholder will be liable for the finance charges on the Outstanding Balance. Lazada offer buy now, pay later plans for purchases such as furniture, appliances, electronics and mobile phones. Allowed to perform multiple Qualified FPPs within the Campaign Period. To avoid finance charges being imposed, all Cardholders who have subscribed to 0% Easy Pay, are required to make payment of the monthly instalment specified at the time the Instalment Payment Plan ("the Monthly Instalment") is entered into in full. The method lets you use your credit card to make payment for a given amount then repay it in small amounts within a stipulated period. (Only for accessories under RM 1800.00) With no minimum purchase, shop up to RM 1800.00 and enjoy 0% interest installment for up to 3 Months. With OCBC Easy Payment Plan, you can convert your purchases of RM500 and above into smaller and easier-to-pay monthly instalments up to 20 months. MayBank, Public Bank, HSBC For a limited time until 31 December 2020, you can convert your purchases made in foreign currency equivalent to RM3,000 in a single or accumulated receipts to a 3-months EPP at 0% interest. want or need it? This entry was posted in Best Credit Cards, Credit Cards, Education, Personal Finance and tagged 0% Instalment, 0% Loan, Best Credit Card Balance Transfer Plan, Best Credit Card Installment Plan, Installment Plan, Maybank Balance Transfer Plan, … All rights reserved. Get help with making your expensive shopping habits affordable with AEON Cards 0% Instalment Payment Plan. Missing a monthly EPP payment will cause the 0% interest rate to be reversed to 18% p.a. Compare and apply for a credit card now. interest rate is charged on the outstanding balance when partial to zero payment is made after a 20-day interest free period. Minimum amount of RM500 in a single retail transaction, local or overseas. Copyright © {0} CIMB BANK BERHAD 197201001799 (13491-P). Alternatives to using 0% credit card instalment plans. Login to Maybank2u or Maybank App to convert before your credit card statement date. No paperwork is required, Almost similar to a personal loan interest rate. The rule of thumb is, don’t throw away the proof of purchase yet. They are: Convert expensive purchase to cheaper monthly instalments, Transfer outstanding balances from other cards to a new credit card, Like cash advance but repay later, in monthly instalments, Make a minimum retail purchase in a single receipt, or combine multiple purchases to meet minimum purchase amount, Have a minimum amount you are allowed to transfer to a new credit card and can consolidate up to 5 credit card outstanding debts, Can withdraw cash up to 90% of the credit limit. Treating Customers Fairly & Customer Service Charter, CIMB 0% Easy Pay Terms and Conditions (ENG), CIMB 0% Easy Pay Terms and Conditions (BM), Floating Rate Negotiable Instruments of Deposit (FRNID), Malaysian Retail Banking Industry Customer Satisfaction Survey 2019. You may not also want to miss even one monthly payment of your 0% EPP instalment because it can be detrimental to your budget. The Eligible Cardholder shall pay 100% of the CIP monthly Instalment which is part of the Minimum Monthly Payment due on or before the payment due date. Tips: Wondering why banks keep rejecting your applications? EzyPay Plus 0% for 12 months Promotion. A 2% cash advance fee will be charged if the CIP amount is below RM5,000. Convert your transactions into 0% instalment plan COMPARE CREDIT CARD Cheque-On-Call Plus. Credit Card Installment Plan Only (Not Applicable for Debit Card) Yes, We are offering 0% Interest Installment Plan for purchases of Rm500 and above. 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