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.

Tenure: Up to 36 months
Early Termination Fee: No Fee

Interest Rates

Transfer your debt now to enjoy special low interest fees each month!

Instalment Period	Interest Rate	Minimum Amount
3 months	0% p.a. and no one-time upfront handling fee	RM500
6 months	0% p.a. and no one-time upfront handling fee	RM500
9 months	0% p.a. and no one-time upfront handling fee	RM500
12 months	0% p.a. and no one-time upfront handling fee	RM500
18 months	0% p.a. and no one-time upfront handling fee	RM500
24 months	0% p.a. and no one-time upfront handling fee	RM500
30 months	0% p.a. and no one-time upfront handling fee	RM500
36 months	0% p.a. and no one-time upfront handling fee	RM500

How to apply

Get help with making your expensive shopping habits affordable with Public Bank Zero Interest Installment Plan.

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

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.
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.
Finally, choose your preferred repayment plan of either 3, 6, 9, 12, 18, 24, 30 or 36-equal monthly instalments.

More Information

For a limited time until 31 December 2021, Public Bank credit cardholders can book their flights with Malaysia Airlines with 0% Interest for 6 or 12-month Installment Plan.

An instalment plan without interest?

Yes. The Public Bank Zero-Interest Installment Plant (ZIIP), is exclusively for Public Bank credit card holders, subject to terms and conditions. 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 goodbye 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%-18%.

Bank Rakyat Easy Instalment Plan
Best Interest Rate
from 0% p.a.
Minimum Amount
RM1k
Early Termination Fee
No Fee
Bank Rakyat Flexi Easy Payment
Best Interest Rate
from 0% p.a.
Minimum Amount
RM1k
Early Termination Fee
No Fee
UOB Overseas Easi-Payment Plan
Best Interest Rate
from 0% p.a.
Minimum Amount
RM3k
Early Termination Fee
No Fee
HSBC Card Instalment Plan
Best Interest Rate
from 0% p.a.
Minimum Amount
RM500
Early Termination Fee
No Fee
Bank Islam RSVP Program
Best Interest Rate
from 0% p.a.
Minimum Amount
RM1k
Early Termination Fee
No Fee
Bank Islam Installment Payment Plan
Best Interest Rate
from 0% p.a.
Minimum Amount
RM150
Early Termination Fee
No Fee

AEON Cards 0% Instalment Payment Plan
Best Interest Rate
from 0% p.a.
Minimum Amount
RM500
Early Termination Fee
RM30
Public Bank Flexipay Plan
Best Interest Rate
from 0% p.a.
Minimum Amount
RM1k
Early Termination Fee
RM100
BSN Instalment-Pay
Best Interest Rate
from 0% p.a.
Minimum Amount
RM500
Early Termination Fee
No Fee
OCBC Easy Payment Plan
Best Interest Rate
from 0% p.a.
Minimum Amount
RM1k
Early Termination Fee
No Fee
RHB Smart Instalment
Best Interest Rate
from 0% p.a.
Minimum Amount
RM500
Early Termination Fee
No Fee
UOB Easi-Payment Plan
Best Interest Rate
from 0% p.a.
Minimum Amount
RM500
Early Termination Fee
No Fee

UOB Lady’s LuxePay Easi Payment Plan
Best Interest Rate
from 0% p.a.
Minimum Amount
RM2k
Early Termination Fee
No Fee
CIMB 0% Easy Pay
Best Interest Rate
from 0% p.a.
Minimum Amount
RM50
Early Termination Fee
RM50
UOB Instalment Payment Plan
Best Interest Rate
from 0% p.a.
Minimum Amount
RM1k
Early Termination Fee
No Fee
RHB Dial-An-Instalment
Best Interest Rate
from 0% p.a.
Minimum Amount
RM500
Early Termination Fee
No Fee
Public Bank Zero Interest Installment Plan
Best Interest Rate
from 0% p.a.
Minimum Amount
RM500
Early Termination Fee
No Fee
Maybankard EzyPay
Best Interest Rate
from 0% p.a.
Minimum Amount
RM50
Early Termination Fee
No Fee

BSN EasyPay
Best Interest Rate
from 0% p.a.
Minimum Amount
RM500
Early Termination Fee
No Fee
AmBank Easy Payment Plan
Best Interest Rate
from 0% p.a.
Minimum Amount
RM500
Early Termination Fee
No Fee
AffinBank EiPlan
Best Interest Rate
from 0% p.a.
Minimum Amount
RM500
Early Termination Fee
RM50
AEON Cards Flexi Payment Plan
Best Interest Rate
from 0% p.a.
Minimum Amount
RM500
Early Termination Fee
RM50
AmBank AmFlexi-Pay
Best Interest Rate
from 3% p.a.
Minimum Amount
RM500
Early Termination Fee
RM50
Hong Leong Flexi Payment Plan
Best Interest Rate
from 8.99% p.a.
Minimum Amount
RM500
Early Termination Fee
No Fee
Maybankard EzyPay PLUS
Best Interest Rate
from 9% p.a.
Minimum Amount
RM500
Early Termination Fee
No Fee
Standard Chartered FlexiPay Plus
Best Interest Rate
from 9.88% p.a.
Minimum Amount
RM500
Early Termination Fee
No Fee