The Many Names of Easy Payment Plans
Author Avatar


Easy Payment Plans are useful to help us save money, especially when you are trying to purchase one of those big ticket items that could cost you a little more than a month or two’s worth of salary.

Sometimes you may already have such a feature on your credit card but not realise it as it goes by a different product name. Why do banks do this? Possibly to differentiate themselves from the competition and portray a unique sense of identity.

Let’s explore EPP in a little more detail before we shed some light on what other banks offer them as well.

The Many Names of Easy Payment Plans

What is an Easy Payment Plan (EPP)?

Ultimately, an Easy Payment Plan (EPP) is a credit card feature that allows you to break down your transacted purchases into smaller and more manageable payments over a specific term. The term could range from a minimum of 6 months, all the way up to 36 months which could vary depending on the bank.

If you were a home owner and would like to furnish your house for the upcoming festive season, wouldn’t it be great if you could purchase these items and paid for them over a term? If you had swiped your card for a RM14,000 couch without taking an EPP plan and were unable to pay for it all at once, the gradual build up of interest could substantiate into a huge debt. So why not take advantage of this credit card feature and split the payments so you can entertain guests in comfort and with pride.

You are probably wondering if you owe the bank, there should be some fees or interest involved. Some banks offer this feature with a 0% interest fee which at times could incur a one-time upfront handling fee instead. All of these terms and conditions vary from bank to bank and it is best you do a little bit of research and understand before committing to such a plan.

Does Your Card have an EPP?

As we mentioned previously, there is a chance your credit card already has this amazing feature but has marketed it in a different name.

The table below has the issuing banks and their many names which are actually Easy Payment Plans.

If by some obscure chance your credit card doesn’t offer you such a service and you would love to add this to your arsenal of financial tools, take a look at the list below and apply for one on

If you have any questions or comments feel free to do so in the section below.


0 0 votes
Article Rating


Comments (0)

Notify of
Inline Feedbacks
View all comments
Top Credit Cards Articles
Post Image
Things You Didn’t Know Can Help Reduce Your Credit Card Payment
Desiree Nair
- 14th March 2017
We’ve got a few ideas up our sleeves to help you bring down that bill and possibly even make future payments much more affordable!
Post Image
Start Making Smart Financial Decisions From The Get-Go – Here’s Why And How
Sharon Bentley
- 9th August 2021
Just like saving, the habit of making smart financial decisions should be practiced as early as possible – […]
Post Image
Citi eWallet Campaign Offers RM400 In Cashback And Additional 10x Rewards Points
Jacie Tan
- 12th February 2020
Citibank has launched an e-wallet top-up campaign for all Citi credit cardholders, offering up to RM400 in cashback […]
Post Image
Save More With These Bank & Credit Card Promo Codes For Shopee 3.3 Mega Sale
Jacie Tan
- 2nd March 2020
If you’ve been avoiding shopping malls lately due to the Covid-19 outbreak, you’ll be pleased to know that […]

Related articles

Related Posts Image
Related Posts Image
Related Posts Image
Related Posts Image