OCBC

OCBC Easy Payment Plan

Shop interest-free on your credit card for up to 20 months! Convert your purchases into affordable instalments. No paperwork needed!

    • Up to 20 months
    • Unrestricted selection of merchant
    • No early termination fee
  • Instalment PeriodInterest RateMinimum Amount
    5 months2.12% one-time upfront handling feeRM1000
    10 months4.24% one-time upfront handling feeRM1000
    20 months5.3% one-time upfront handling feeRM1000

    How To Apply for OCBC Easy Payment Plan

    Get help with making your expensive shopping habits affordable

    There are two ways we can go about splitting our shopping into manageble instalment payments:

    • Login to the bank's online banking portal to apply within 15 days from the date of purchase. 
    • Or contact OCBC at 1 300 88 5000 within 15 days from the date of purchase. You will be sent an SMS to confirm your application within 3 days of processing.

    Frequently Asked Questions about OCBC Easy Payment Plan

    Things you might want to know

    Say hello to interest free shopping with the OCBC Easy Payment Plan( EPP)! Sometimes that new handbag or those incredibly awesome pair of kicks can cost more than our savings account can afford.

    When faced with this problem, the best solution other than not buying the item is to use your credit card and purchase it on credit.

    Please give me a new plan…

    With this OCBC EPP, you can make your little splurge and still escape that pesky interest charge.

    Take up a tenure of 5, 10 and up to 20 months, and make your payments in more affordable installments, interest free. The minimum purchase amount required for this plan to work is only RM1,000.

    Sounds too good to be true.

    Well, this is no joke, promise. There is no paperwork required, simply drop a call to the OCBC Contact Centre at 03-8317 5000 or head on over to the OCBC website and have your purchase converted under the OCBC Easy Payment Plan.

    Keep in mind you have only 15 days from the date of transaction to convert your purchase. Select a repayment tenure that works for you and the only other charge you have is a one-time handling fee.

    How does the handling fee work?

    For a 5-month tenure you have a fee of 2.12%. for a 10-month tenure the fee is 4.24% and for a 20-month tenure you have a fee of only 5.30%. The fee is placed on the amount charged for the transaction.

    So you will have the fee changed to you along with only the first installment, after that you only have your installments to pay.

    Are there conditions?

    There is one condition that you do need to pay attention to. All your payments have to be made in full on time. Any unpaid amount will have an 18% interest rate imposed on it.

    There is no penalty for early payment, so if you wanted to make your payments early in larger chunks you are more than welcome!

    Other than that, take note that your EPP approval will come via SMS. Happy shopping!

    Read More

    Apply online now for OCBC Easy Payment Plan

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