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 03 8317 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, subject to terms and conditions. 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.

    What can I get with OCBC Easy Payment Plan?

    You can make your little splurge and still escape that pesky interest charge at low one-time handling fee starting from 2.12% and flexible repayment tenure up to 20 months. 

    There is no interest will be charged for the conversion and the minimum purchase amount required for this plan to work is only RM1,000.

    Do I have to download application form?

    There is no paperwork required or this EPP. Simply drop a call to the OCBC Contact Centre at 03 8317 5000 or head on over to the OCBC website or branches to convert your purchase to an affordable instalment plan at 0% interest.

    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 fees 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.

    If you're late on your monthly instalment, a 1% penalty on the outstanding balance. On the other hand, there is not early settlement fee should you complete your instalment before the end of your tenure.

    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 be charged with tiered interest rate between 15%-18%. 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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