Public Bank and Public Islamic Bank are offering a birthday-month instalment perk for eligible Visa credit cardholders in 2026. Qualifying purchases can be converted into an interest-free Flexipay instalment plan.

The Birthday Special 0% Flexipay Plan runs from 1 January to 31 December 2026 and is only available during a cardmember’s birthday month.

Interest-Free Instalments As A Birthday Perk

During the campaign, eligible Public Bank and Public Islamic Bank Visa credit cardholders can convert a single purchase of at least RM1,000 into an eight-month Flexipay instalment plan with a 0% interest or profit rate.

This allows cardmembers to spread the cost of larger purchases over eight months, as long as monthly repayments are made on time and in full.

Eligible Visa Credit Cards

The campaign is open to Public Bank and Public Islamic Bank Visa credit cardholders. Eligible cards include consumer Visa cards such as the PB Visa Signature, PB Quantum Visa, and other standard Visa credit cards.

Employees within the Public Bank Group and their immediate family members are also eligible to participate during their birthday month.

How The Flexipay Conversion Works

After making an eligible purchase, cardmembers must notify Public Bank to request a Flexipay conversion. This can be done by calling the bank’s Customer Service Department or by email.

The request must be made at least three days after the transaction date and no later than five days before the next statement date. Approval is subject to the bank’s discretion, and not all transactions may qualify.

Only retail purchase transactions are eligible. Cash advances, balance transfers, bill payments, annual fees, and transactions under other instalment plans are excluded.

Purchase Timing And Statement Cut-Offs

To qualify, the transaction must appear in the current monthly statement and must not pass the next statement date before the Flexipay request is made.

For example, if a cardmember’s birthday month is January and the statement date is 1 January, a purchase made on 3 January must be converted before the February statement date. Requests made after this cut-off will not be accepted.

Credit Limit And Monthly Repayments

Once the Flexipay request is approved, the cardmember’s available credit limit will be reduced by the outstanding instalment amount. As each monthly instalment is paid, the same amount is restored to the credit limit.

Monthly instalments are billed immediately and must be paid in full. Late or missed payments will result in standard finance charges of between 15% and 18% per annum, along with late payment fees.

No cashback, reward points, or other card benefits are awarded on Flexipay instalment payments.

Flexibility And Early Termination

Cardmembers may apply for Flexipay more than once, subject to eligibility and approval. Once a transaction is converted, the arrangement cannot be reversed.

If the Flexipay plan is cancelled before completion, the remaining balance becomes payable immediately. The bank may also terminate the plan in cases such as account closure or payment default.

What To Know Before Using The Plan

The Birthday Special 0% Flexipay Plan may be amended, suspended, or withdrawn with prior notice. Participation is subject to the campaign terms, the cardmember agreement, and applicable Malaysian laws and regulations.

Cardmembers remain responsible for making timely repayments and for any charges arising from late or missed payments.

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