13th August 2025 - 4 min read
Have you ever held back from buying that new laptop, booking a dream holiday, or getting a designer bag because of the hefty price tag? Big-ticket items can put a serious dent in your monthly cash flow. But what if you could spread that cost over time, without paying a single cent in interest?
With Alliance Bank’s 0% Flexi Payment Plan (FPP), you can turn your large purchases into small, manageable monthly payments without interest or hidden fees and charges. It’s the smarter way to get what you want, when you want it, without breaking the bank.
This special offer by Alliance Bank is designed to give you ultimate financial flexibility. From 16 June 2025 to 30 September 2025, eligible Alliance Bank Visa Credit Cardholders can convert their purchases into an interest-free instalment plan.
The best part? Eligible cardholders can use this feature without the need to fill in forms or perform any SMS registrations, allowing you to focus on your shopping.
To get started, simply spend a minimum of RM1,000 in a single transaction using your Alliance Bank Visa Credit Cards. This offer is versatile, covering the expenses that matter most to you. You can use it for:
Once you have made your purchase, you can choose a repayment tenure that fits your budget. Alliance Bank offers flexible options based on your spending amount:
| 0% Flexi Payment Plan Tenure | Minimum Spend Amount | Eligible Spend Type |
| 12 months | RM1,000 | Local and Foreign Spend |
| 24 months | RM2,000 | Local and Foreign Spend |
| 36 months | RM3,000 | Local Spend Only |
This means a RM3,500 new TV cost can be split into affordable monthly payments over 36 months, all at 0% interest!
Turning your purchase into a 0% FPP is easy. Just reach out to Alliance Bank’s Contact Centre at 03-5516 9988 before your transaction is posted to your statement. The bank will handle the rest, subject to standard approval checks based on your account status and available credit limit
Important Details for Smart Spenders
This plan comes with several attractive features. You will still collect 1x Timeless Bonus Points on your spending, even after converting it to an instalment plan, though these purchases are not eligible for cashback. Better yet, if you decide you want to pay off your plan early, you can do so without any penalty, as Alliance Bank does not charge any early termination or exit fees.Upon approval, the total instalment amount will be reserved from your credit limit, which is then gradually restored every month as you make your payments. Therefore, utilise this feature wisely and be sure to clear your monthly instalments in full and on time. This is to ensure that you are managing your finances better and avoid having to pay the finance charge due to the outstanding balance from your monthly instalment. Don’t let a price tag stand between you and your goals. This offer is the ideal opportunity to make those big purchases more affordable. If you want to enjoy the power of 0% interest instalments, you can explore getting an Alliance Bank Visa Credit Card on RinggitPlus and take control of your spending today.
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