Public Bank

Public Bank Zero Interest Installment Plan

Zero Interest means there's NO interest to pay for up to 36 months on retail transactions you choose to convert to Public Bank's Zero Interest Instalment Plan.

    • Up to 36 months
    • No early termination fee
  • Instalment PeriodInterest RateMinimum Amount
    3 months0% p.a. and no one-time upfront handling feeRM500
    6 months0% p.a. and no one-time upfront handling feeRM500
    9 months0% p.a. and no one-time upfront handling feeRM500
    12 months0% p.a. and no one-time upfront handling feeRM500
    18 months0% p.a. and no one-time upfront handling feeRM500
    24 months0% p.a. and no one-time upfront handling feeRM500
    30 months0% p.a. and no one-time upfront handling feeRM500
    36 months0% p.a. and no one-time upfront handling feeRM500

    How To Apply for Public Bank Zero Interest Installment Plan

    Get help with making your expensive shopping habits affordable

    Shop now, pay later! For select items above RM500 at Public Bank approved merchants! Here’s what you need to do.

    1. Make purchase using your Public Bank credit card at any merchant appointed by Public Bank and call 03-2176 8000 as soon as possible to make your Zero Interest Installment Plan (ZIIP) application.
    2. Inform the Public Bank customer service representative the purchase(s) that you'd like to convert to ZIIP by referring to your credit card sales draft or monthly statement.
    3. Finally, choose your preferred repayment plan of either 3, 6, 9, 12, 18, 24, 30 or 36-equal monthly instalments.

    Frequently Asked Questions about Public Bank Zero Interest Installment Plan

    Things you might want to know

    A plan with no Interest?

    Yes, you read it right! The Public Bank Zero-Interest Installment Plant (ZIIP), is exclusively for Public Bank credit card holders. An installment payment plan to help make that huge spending splurge, super manageable, in smaller bite size payments.

    The best part, you can kiss that 18% p.a. interest and embrace the life of 0% interest.

    What do I have to do?

    Well, all you need to do is call up the bank after you’ve made your purchase and have them convert it to the ZIIP. Choose a repayment tenure of up to 36 months and enjoy no interest living.

    Your next statement should reflect the amount you need to pay and also tell you that no interest is charged.

    Requirements?

    There are only two things to highlight. To qualify for the plan your purchases must be over RM500 in a single purchase unit.

    Also, please ensure that all your payments are made on time before the stipulated due date, or you will be subjected to the standard tiered interest rate of 15%-17%.

    Read More

    Apply online now for Public Bank Zero Interest Installment Plan

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