{"id":64713,"date":"2025-07-23T10:00:07","date_gmt":"2025-07-23T02:00:07","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=64713"},"modified":"2025-07-24T15:14:53","modified_gmt":"2025-07-24T07:14:53","slug":"easy-payment-plan-credit-cards","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/easy-payment-plan-credit-cards","title":{"rendered":"Best Easy Payment Plan Credit Cards: Get 0% Interest On Your Repayments"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Everyone knows making a purchase on your credit card that you can\u2019t repay at month-end spells big trouble. But what if you could make a credit transaction that allows you to spread your repayments over the next few months or years, at no interest at all?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">No, this isn\u2019t a myth. In fact, such a feature may already be available on your existing card. It is called the 0% Easy Payment Plan (EPP).<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-is-an-easy-payment-plan-EPP\"><\/span><b>What is an easy payment plan (EPP)?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">An EPP is a repayment scheme that allows you to use your credit card to pay for a purchase and then repay the amount in instalments over the course of months or years.<\/span><\/p>\n<h4><b>What is 0% EPP?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">A 0% payment arrangement is one which allows you to pay using the EPP at absolutely no interest charges for the entire instalment period.<\/span><\/p>\n<h4><b>How does it work?<\/b><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you\u2019ve made a purchase of RM12,000 using EPP with a 12-month repayment period; your instalment amount would be RM12,000 \/ 12 months = RM1,000 every month over the course of 12 months.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">By paying the instalments promptly and making sure you adhere to all terms and conditions, you would not be charged a single sen in interest during the entire period.<\/span><\/li>\n<\/ul>\n<p>Note: Missing any monthly instalment payment when using the EPP will lead to additional interest charges!<\/p>\n<p><span style=\"font-weight: 400;\">At present, most major banks in Malaysia have this scheme available to their cardholders, though the terms and conditions may differ.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Instalment periods differ from bank to bank, and could be as low as three months up to 36 months or more. Generally, this payment scheme is applicable only for purchases made at selected partnering outlets.<\/span><\/p>\n<h4><b>What are the benefits?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">From a consumer standpoint, this repayment scheme offers plenty of benefits, which include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The ability to pay for vital big-ticket items without incurring hefty interest charges over a period of time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The option to put the lump sum which would otherwise be used to pay off the purchase in full into a fixed deposit account, hence earning interest from the banks.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What-are-the-things-to-look-out-for-in-an-EPP-credit-card\"><\/span><b>What are the things to look out for in an EPP credit card?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Like all other credit cards, features may vary depending on the card issuer or financial institution that you apply to. Before applying for a card, watch out for these features as they may not be universally applicable.<\/span><\/p>\n<h4><b>0% interest rate<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">In order to maximise savings, look for opportunities to apply for cards with 0% interest on EPPs. Always read the fine print so that you always know when the interest rate applies.<\/span><\/p>\n<h4><b>Flexible tenures<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Some EPP cards offer extra flexibility, allowing you to stretch repayments even beyond the typical 24 months. Some might even offer 0% interest on longer tenures.<\/span><\/p>\n<h4><b>Applicable merchants<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Banks typically have a list of merchants that participate in their 0% interest offerings. See if your favourite stores are part of the deal before applying.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Top-easy-payment-plan-cards\"><\/span><b>Top easy payment plan cards<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4>Alliance Bank 0% Flexi Payment Plan<\/h4>\n<div class=\"product promo\"><div class=\"product__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.imoney.my\/img\/p\/4\/4\/9\/449.jpg\" alt=\"Alliance Bank Visa Infinite Credit Card\"><\/div><div class=\"product__description\"><h4><a data-position=\"\" href=\"https:\/\/www.imoney.my\/credit-card\/alliance-bank\/visa-infinite\" target=\"_blank\">Alliance Bank Visa Infinite Credit Card<\/a><\/h4><p>Redeem up to 8x Timeless Bonus Points<\/p><em>0% Flexi Payment Plan for 3 months for Flight ticket purchases, Hotel bookings and Overseas spend.<\/em><\/div><div class=\"product__cta\"><a data-position=\"\" href=\"https:\/\/www.imoney.my\/credit-card\/alliance-bank\/visa-infinite\" target=\"_blank\" class=\"btn btn-lg btn-apply\">Apply Now<\/a><\/div><\/div>\n<p>Alliance Bank&#8217;s new 0% Flexi Payment Plan campaign runs from 16 June 2025 to 16 September 2025, and will allow all new and existing Alliance Bank Visa credit cardholders to enjoy up to 36-month instalments at 0% interest for selected categories. All cardholders need to do is to spend a minimum amount of RM1,000 in a single transaction using Alliance Bank Visa credit cards in the participating merchant categories to be eligible to convert the transactions up to the 36-month 0% Flexi Payment Plan. You can find more details on the participating merchant categories <a href=\"https:\/\/www.alliancebank.com.my\/Alliance\/media\/documents\/Promotion\/zerofpp-promotion-tc.pdf\" target=\"_blank\" rel=\"noopener noreferrer dofollow\">here<\/a>.<\/p>\n<p>Here are a few great card options:<\/p>\n<p><a href=\"https:\/\/www.imoney.my\/credit-card\/alliance-bank\/visa-infinite\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><strong>Alliance Bank Visa Infinite Credit Card<\/strong><\/a><\/p>\n<ul>\n<li>Up to 5x Timeless Bonus Points from groceries , dining and overseas transactions<\/li>\n<li>Minimum Monthly Income of RM 5,000<\/li>\n<li>15% interest rate per annum<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.imoney.my\/credit-card\/alliance-bank\/platinum-card\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><strong>Alliance Bank Visa Platinum Credit Card<\/strong><\/a><\/p>\n<ul>\n<li>Up to 8x Timeless Bonus Points for online shopping transactions and eWallet top-up<\/li>\n<li>Minimum Monthly Income of RM 2,000<\/li>\n<li>15% interest rate per annum<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.imoney.my\/credit-card\/alliance-bank\/visa-signature-credit-card\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><strong>Alliance Bank Visa Signature Credit Card<\/strong><\/a><\/p>\n<ul>\n<li>Enjoy up to 5% cashback on all retail spend i.e. online shopping, petrol, grocery, dining, utilities &amp; other retail spending<\/li>\n<li>Minimum Monthly Income of RM 4,000<\/li>\n<li>15% interest rate per annum<\/li>\n<\/ul>\n<h4>OCBC Easy Payment Plan<\/h4>\n<div class=\"product promo\"><div class=\"product__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/12\/04163149\/17.png\" alt=\"OCBC Cashflo Mastercard\"><\/div><div class=\"product__description\"><h4><a data-position=\"\" href=\"https:\/\/www.imoney.my\/credit-card\/ocbc\/cashflo-mastercard\" target=\"_blank\">OCBC Cashflo Mastercard<\/a><\/h4><p>Stand a chance to win up to RM1,000 cashback<\/p><em>0% Auto-Instalment Payment Plan and no annual fee for the first year, exclusively for new OCBC cardholders.<\/em><\/div><div class=\"product__cta\"><a data-position=\"\" href=\"https:\/\/www.imoney.my\/credit-card\/ocbc\/cashflo-mastercard\" target=\"_blank\" class=\"btn btn-lg btn-apply\">Apply Now<\/a><\/div><\/div>\n<p><span style=\"font-weight: 400;\">OCBC\u2019s EPP offers customers interest-free shopping with a low one-time handling fee starting from 4% and flexible repayment tenure up to 20 months. For a 10-month tenure the fee is 6% and for a 20-month tenure you have a fee of only 7%. All your payments will have to be made in full and on time. Any unpaid amount will be charged with a tiered interest rate between 15%-18%.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some good OCBC EPP cards include:<\/span><\/p>\n<h4><a href=\"https:\/\/www.imoney.my\/credit-card\/ocbc\/cashflo-mastercard\" target=\"_blank\" rel=\"noopener noreferrer dofollow\">OCBC Cashflo Mastercard<\/a><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">0% Auto-Instalment Payment Plan and no annual fee for the first year, exclusively for new OCBC cardholders<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum Monthly Income of RM 5,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">15% interest rate per annum<\/span><\/li>\n<\/ul>\n<h4><a href=\"https:\/\/www.imoney.my\/credit-card\/ocbc\/titanium-mastercard\" target=\"_blank\" rel=\"noopener noreferrer dofollow\">OCBC Titanium Mastercard<\/a><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Up to 12X OCBC$ on online and e-wallet spending. Also gain the opportunity to earn unlimited OCBC$ on all transactions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum Monthly Income of RM 5,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">15% interest rate per annum<\/span><\/li>\n<\/ul>\n<h4><b>Maybank EzyPay<\/b><\/h4>\n<div class=\"product promo\"><div class=\"product__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/12\/04164119\/17B.png\" alt=\"Maybank Visa Infinite Card\"><\/div><div class=\"product__description\"><h4><a data-position=\"\" href=\"https:\/\/www.imoney.my\/credit-card\/maybank\/visa-infinite-card\" target=\"_blank\">Maybank Visa Infinite Card<\/a><\/h4><p>Treat yourself to world class privileges<\/p><em>Up to 5 TreatsPoints from spent overseas, and exclusive dining, golf privileges and free 10,000 TreatsPoints upon card activation.<\/em><\/div><div class=\"product__cta\"><a data-position=\"\" href=\"https:\/\/www.imoney.my\/credit-card\/maybank\/visa-infinite-card\" target=\"_blank\" class=\"btn btn-lg btn-apply\">Apply Now<\/a><\/div><\/div>\n<p><span style=\"font-weight: 400;\">All Maybank credit cards have the advantage of benefitting from the EzyPay scheme. Under this scheme, cardholders can enjoy up to 0% interest rate when they convert their purchase into affordable monthly instalments at selected stores. Check out the outlets displaying the \u201cMaybank 0% EzyPay\u201d sign. At these stores you can purchase pretty much anything using Maybank EzyPay Instalment Plan via your Maybank Credit card.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can find a list of participating merchants <\/span><a href=\"https:\/\/www.maybank2u.com.my\/iwov-resources\/pdf\/personal\/cards\/features_services\/EzyPay_Merchants.pdf\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some of the best Maybank cards to apply for EPP include:<\/span><\/p>\n<h4><a href=\"https:\/\/www.imoney.my\/credit-card\/maybank\/visa-infinite-card\" target=\"_blank\" rel=\"noopener noreferrer dofollow\">Visa Infinite Card<\/a><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Up to 5 TreatsPoints from spent overseas, and exclusive dining, golf privileges<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum Monthly Income of RM 8,333<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">15% interest rate per annum<\/span><\/li>\n<\/ul>\n<h4><a href=\"https:\/\/www.imoney.my\/credit-card\/maybank\/petronas-visa-gold\" target=\"_blank\" rel=\"noopener noreferrer dofollow\">PETRONAS Visa Gold<\/a><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Up to 8x TreatsPoints on weekends and 5x TreatsPoints on weekdays for every spend at Petronas Stations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum Monthly Income of RM 2,500<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">15% interest rate per annum<\/span><\/li>\n<\/ul>\n<h4><a href=\"https:\/\/www.imoney.my\/credit-card\/maybank\/shopee-visa-platinum-credit-card\" target=\"_blank\" rel=\"noopener noreferrer dofollow\">Shopee Visa Platinum Credit Card<\/a><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Receive 5000 Welcome Shopee Coins after RM300 spend and enjoy up to 5x Shopee Coins for any spend on Shopee, dining, entertainment, and contactless payments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum Monthly Income of RM 2,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">15% interest rate per annum<\/span><\/li>\n<\/ul>\n<h4><a href=\"https:\/\/www.imoney.my\/credit-card\/maybank\/grab-mastercard-platinum\" target=\"_blank\" rel=\"noopener noreferrer dofollow\">GRAB Mastercard Platinum Credit Card<\/a><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maybank Grab Credit Card rewards you for all your lifestyle daily needs i.e Food, Transport, E-Commerce, Up to 5 Grab Reward Points for every 1 Ringgit Malaysia spent<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum Monthly Income of RM 2,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">15% interest rate per annum<\/span><\/li>\n<\/ul>\n<h4><b>RHB credit cards<\/b><\/h4>\n<div class=\"product promo\"><div class=\"product__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/12\/04164700\/17C.png\" alt=\"RHB Cash Back Credit Card\/-i\"><\/div><div class=\"product__description\"><h4><a data-position=\"\" href=\"https:\/\/www.imoney.my\/credit-card\/rhb\/cash-back-credit-card\" target=\"_blank\">RHB Cash Back Credit Card\/-i<\/a><\/h4><p>Get a free URBANLITE Sierra 20\u201d Luggage<\/p><em>Earn up to 10% cashback on all retail purchases from petrol to dining and groceries plus a FREE annual fee on your first year.<\/em><\/div><div class=\"product__cta\"><a data-position=\"\" href=\"https:\/\/www.imoney.my\/credit-card\/rhb\/cash-back-credit-card\" target=\"_blank\" class=\"btn btn-lg btn-apply\">Apply Now<\/a><\/div><\/div>\n<p><span style=\"font-weight: 400;\">RHB\u2019s easy payment plan is known as the Smart Instalment Payment Plan and will usually require a minimum purchase of RM500 and maximum of 100% of cardmember\u2019s available credit limit. However, no application is required to utilise this feature and no extra fees are charged. All the cardholder needs to do is present the card at an applicable merchant upon purchase.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can find a list of participating merchants <\/span><a href=\"https:\/\/www.rhbgroup.com\/-\/media\/Assets\/Corporate-Website\/Document\/cards\/Card-features\/Smart_Instalment_merchant_listing.pdf\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Good cards to get include:<\/span><\/p>\n<h4><a href=\"https:\/\/www.imoney.my\/credit-card\/rhb\/cash-back-credit-card\" target=\"_blank\" rel=\"noopener noreferrer dofollow\">Cash Back Credit Card\/-i<\/a><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earn up to 10% cashback on all retail purchases from petrol to dining and groceries plus a free annual fee on your first year<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum Monthly Income of RM 2,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">15% interest rate per annum<\/span><\/li>\n<\/ul>\n<h4><a href=\"https:\/\/www.imoney.my\/credit-card\/rhb\/shell-visa-credit-card-i\" target=\"_blank\" rel=\"noopener noreferrer dofollow\">Shell Visa Credit Card\/-i<\/a><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enjoy cashback deals when you spend with your new RHB Shell Visa Credit Card\/-i. Get 5% cashback on everyday essentials which include grocery, online spend, e-wallet reload, retail spend &amp; utilities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum Monthly Income of RM 2,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">15% interest rate per annum<\/span><\/li>\n<\/ul>\n<h4><a href=\"https:\/\/www.imoney.my\/credit-card\/rhb\/rewards-credit-card\" target=\"_blank\" rel=\"noopener noreferrer dofollow\">Rewards Credit Card-i<\/a><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earn up to 10x reward points for Movie, Overseas,Online, Health, Insurance, Shopping &amp; other Retail spend.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum Monthly Income of RM 2,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">15% interest rate per annum<\/span><\/li>\n<\/ul>\n<h4><b>HSBC credit cards<\/b><\/h4>\n<div class=\"product promo\"><div class=\"product__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/12\/04165210\/17D.png\" alt=\"HSBC Live+ Credit Card\"><\/div><div class=\"product__description\"><h4><a data-position=\"\" href=\"https:\/\/www.imoney.my\/credit-card\/hsbc\/live-plus\" target=\"_blank\">HSBC Live+ Credit Card<\/a><\/h4><p>Win a Samsung Galaxy S23 FE 5G or RM200 TNG eWallet Bonus Today<\/p><em>Live it up with extra cashback. Who says you can't have it all? With HSBC Live+, you can spend on all the things you love and earn cashback towards the things you crave.<\/em><\/div><div class=\"product__cta\"><a data-position=\"\" href=\"https:\/\/www.imoney.my\/credit-card\/hsbc\/live-plus\" target=\"_blank\" class=\"btn btn-lg btn-apply\">Apply Now<\/a><\/div><\/div>\n<p><span style=\"font-weight: 400;\">HSBC\u2019s 0% instalment plan offers the usual 3 to 36 month tenures. However, it also allows cardholders access to over 2,000 participating merchants throughout the country, which is a relatively staggering amount of choice. In order to qualify for 0% interest rate, cardholders will need to make a minimum purchase of at least RM300.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A full list of participating merchants can be found <\/span><a href=\"https:\/\/www.hsbc.com.my\/content\/dam\/hsbc\/my\/docs\/credit-cards\/features\/card-instalment-plan\/merchant-list.pdf\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Credit cards to consider include:<\/span><\/p>\n<h4><a href=\"https:\/\/www.imoney.my\/credit-card\/hsbc\/live-plus\" target=\"_blank\" rel=\"noopener noreferrer dofollow\">Live+ Credit Card<\/a><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">With HSBC\u2019s Live+ Credit Card, you can spend on all the things you love and earn up to 8% cashback towards the things you&#8217;ve got your eye on<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum Monthly Income of RM 5,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">15% interest rate per annum<\/span><\/li>\n<\/ul>\n<h4><a href=\"https:\/\/www.imoney.my\/credit-card\/hsbc\/travelone\" target=\"_blank\" rel=\"noopener noreferrer dofollow\">TravelOne Credit Card<\/a><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Instant reward redemption with an extensive selection of airline and hotel partners, plus 6x complimentary airport lounge access per year<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum Monthly Income of RM 5,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">15% interest rate per annum<\/span><\/li>\n<\/ul>\n<h4><a href=\"https:\/\/www.imoney.my\/credit-card\/hsbc\/visa-signature-card\" target=\"_blank\" rel=\"noopener noreferrer dofollow\">Visa Signature Card<\/a><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Up to 8x Rewards Points on overseas and local spending with E-Commerce Purchase Protection coverage of up to up to US$200<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum Monthly Income of RM 6,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">15% interest rate per annum<\/span><\/li>\n<\/ul>\n<h4><a href=\"https:\/\/www.imoney.my\/credit-card\/hsbc\/platinum-mastercard\" target=\"_blank\" rel=\"noopener noreferrer dofollow\">Platinum Credit Card<\/a><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Online, groceries &amp; overseas spend earns up to 8x Reward Points for every RM1 on contactless spend. 5x Reward Points on Online which includes Groceries and Overseas<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum Monthly Income of RM 3,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">15% interest rate per annum<\/span><\/li>\n<\/ul>\n<h4><b>CIMB credit cards<\/b><\/h4>\n<div class=\"product promo\"><div class=\"product__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/12\/04165915\/17E.png\" alt=\"CIMB Cash Rebate Platinum Credit Card\"><\/div><div class=\"product__description\"><h4><a data-position=\"\" href=\"https:\/\/www.imoney.my\/credit-card\/cimb\/cash-rebate-platinum\" target=\"_blank\">CIMB Cash Rebate Platinum Credit Card<\/a><\/h4><p>Get cash rebates on online and retail spending<\/p><em>Splurge online or spend on your daily needs and get rewarded up to 5% cash rebates on cinema, groceries, petrol, mobile, and utilities.<\/em><\/div><div class=\"product__cta\"><a data-position=\"\" href=\"https:\/\/www.imoney.my\/credit-card\/cimb\/cash-rebate-platinum\" target=\"_blank\" class=\"btn btn-lg btn-apply\">Apply Now<\/a><\/div><\/div>\n<p><span style=\"font-weight: 400;\">CIMB\u2019s 0% Easy Pay scheme allows cardholders to shop and pay for their purchases in a monthly 0% instalment of up to 36 months at participating merchant outlets. CIMB\u2019s offering is particularly useful for brand new electronics products. Just be aware that there is no grace or interest-free period when it comes to repaying your monthly instalments. As long as you make your payments in time, you can dodge being slapped with a hefty finance charge of 18% p.a. on your outstanding balance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A full list of participating merchants can be found <\/span><a href=\"https:\/\/www.cimb.com.my\/content\/dam\/cimb\/personal\/documents\/promotions\/o--easy-pay\/0-easy-pay-listing-q1-24-eng.pdf\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Good CIMB EPP cards include:<\/span><\/p>\n<h4><a href=\"https:\/\/www.imoney.my\/credit-card\/cimb\/cash-rebate-platinum\" target=\"_blank\" rel=\"noopener noreferrer dofollow\">Cash Rebate Platinum Credit Card<\/a><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Splurge online or spend on your daily needs and get rewarded up to 5% cash rebates on cinema, groceries, petrol, mobile, and utilities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum Monthly Income of RM 2,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">15% interest rate per annum<\/span><\/li>\n<\/ul>\n<h4><a href=\"https:\/\/www.imoney.my\/credit-card\/cimb\/travel-world\" target=\"_blank\" rel=\"noopener noreferrer dofollow\">Travel World Credit Card<\/a><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travel sooner than you think with your CIMB Travel World credit card. Earn up to 12x Airport Lounge Access<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum Monthly Income of RM 8,333<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">15% interest rate per annum<\/span><\/li>\n<\/ul>\n<h4><a href=\"https:\/\/www.imoney.my\/credit-card\/cimb\/travel-world-elite\" target=\"_blank\" rel=\"noopener noreferrer dofollow\">CIMB Travel World Elite Credit Card<\/a><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enjoy complimentary 12X shared access to selected Airport Lounges worldwide. Earn Up to 10X Bonus Points for every RM1 spent<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum Monthly Income of RM 20,833<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">15% interest rate per annum<\/span><\/li>\n<\/ul>\n<h4><a href=\"https:\/\/www.imoney.my\/credit-card\/cimb\/travel-platinum\" target=\"_blank\" rel=\"noopener noreferrer dofollow\">Travel Platinum Credit Card<\/a><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earn up to 2X Grab Airport transfer, 5X Bonus Points for every RM1 spent, and up to 4X access to selected Plaza Premium Lounges worldwide<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum Monthly Income of RM 2,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">15% interest rate per annum<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If none of these cards fit your fancy, you can try using <\/span><a href=\"https:\/\/www.imoney.my\/credit-card\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">iMoney\u2019s Smart Search Tool<\/span><\/a><span style=\"font-weight: 400;\"> to find the perfect card for your needs.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Important-things-you-should-know-about-EPP\"><\/span>Important things you should know about EPP<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Many credit cards now come with a 0% EPP.\u00a0 But watch out, as you may still end up paying interest if you don\u2019t read the fine print.<\/p>\n<p>Following are some important facts to check if you\u2019re planning to utilise this feature on your cards to make a purchase.<\/p>\n<h4>1) Make sure it really is zero percent<\/h4>\n<p>An EPP facility means you pay absolutely no extras on your purchase. In practice, however, it is not uncommon (though not always applicable) for Malaysian consumers to be charged an upfront administration or installation fee by the merchants offering the said plan. Before activating the repayment facility on your purchases, make it a point to enquire with the merchant if such additional costs exist.<\/p>\n<h4>2) Make sure your purchase is subjected to zero interest rate<\/h4>\n<p>Despite what many people think, the zero interest repayment scheme usually do not cover everything. Most of the time, the banks have their own lists of participating merchants offering the repayment feature only for the cards it issues; and every merchant in turn, has its own terms and conditions binding the use of the repayment feature in its outlets.<\/p>\n<p>Some cards only provide the 0% EPP with a minimum purchase amount of several hundred ringgit. Simply put, you wouldn\u2019t be able to just walk into your favourite outlet and expect to make a purchase with the EPP facility, without first making sure that the outlet (i) does support the plan on your card, and (ii) does support the said plan for the specific amount of your intended purchase.<\/p>\n<h4>3) Late payment rules and other policies<\/h4>\n<p>When you sign up for the repayment facility, bear in mind that you are expected to service the instalments promptly and strictly, probably more so than a standard credit transaction. With most banks, failure to service your EPP instalments would result in:<\/p>\n<ul>\n<li>Automatic revoke of your 0% interest benefit (where you\u2019ll end up paying the standard credit card interest rates at an average of 12.5% \u2013 17.% p.a.), or<\/li>\n<li>Termination of your instalment plan (where you\u2019ll be expected to settle the outstanding amount in full)<\/li>\n<\/ul>\n<p>Additionally, note that some banks do charge a fee for early settlement of the outstanding amount, while others don\u2019t. If early settlement is an option you may wish to take, it\u2019ll be to your interest to check with your bank on this.<\/p>\n<h4>4) Influence on your spending behaviour<\/h4>\n<p>With a zero interest repayment scheme, the very convenience that enables you to make a vital purchase (such as buying a computer you absolutely need for your work) could also entice you to spend way beyond your means (such as buying the very same computer but at two specs higher than what you need).<\/p>\n<p>The common pitfall when it comes to such a repayment plan is that most people tend to look at the smaller instalment amount rather than the larger full purchase amount. While RM10,000 for that unnecessarily large TV might sound way too expensive in a lump sum; you could still be enticed to make the purchase if you choose to evaluate the purchase based on RM500 per month for 20 months.<\/p>\n<p>When making a purchase under such payment feature, make sure you always have the bigger picture (total price) in mind! If you made several purchases using the 0% EPP in a single month, the total monthly instalment may run into several thousand ringgit although individually, the instalments amounts may seem small.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-to-sign-up-for-EPP-using-your-credit-card\"><\/span>How to sign up for EPP using your credit card?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>How do you undertake this repayment facility using your card?\u00a0It is actually simpler than you think.<\/p>\n<p>1. First, look for stickers or signs on retail outlets indicating that they offer 0% Easy Payment Plans for your credit cards.\u00a0Alternatively, look up the websites of your banks for the list of participating merchants offering this payment scheme.<\/p>\n<p>2. Before making a purchase, check with the outlet on any terms and conditions you may need to adhere to.\u00a0Some common ones include:<\/p>\n<ul>\n<li>The categories of items that can be purchased under this repayment facility<\/li>\n<li>The minimum purchase you need to make to be eligible<\/li>\n<li>The instalment periods you can choose for your plan<\/li>\n<li>Extra administrative or instalment charges you may incur to execute the plan (if any)<\/li>\n<\/ul>\n<p>3. Once you\u2019re satisfied with all the conditions binding the plan, make the purchase with your card as usual but make sure you indicate to the cashier than you\u2019re paying using the 0% Easy Payment Plan.<\/p>\n<p>4. If the plan is approved, your transaction would be authorised on the spot.\u00a0Thereafter, just make sure you pay the instalment amounts promptly starting from the next bill!<strong>\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Make use of easy payment plans to potentially save thousands of ringgit.<\/p>\n","protected":false},"author":58,"featured_media":66275,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11,228,227,253,232],"tags":[689,348,1288,754,1948,2436,2130,445,2437,403,680,402],"class_list":["post-64713","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cards","category-cashback-credit-card","category-credit-card","category-petrol-credit-card","category-rewards-credit-card","tag-alliance-bank","tag-cimb","tag-credit","tag-credit-card","tag-credit-card-payment","tag-easy-payment-plan","tag-epp","tag-hsbc","tag-instalment","tag-maybank","tag-ocbc","tag-rhb"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Best Instalment Plan Credit Cards<\/title>\n<meta name=\"description\" content=\"Many credit cards come with an easy instalment plan that can nab you 0% interest on certain purchases. 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