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.

Public Bank Zero Interest Installment 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 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

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.

  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.

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%.