• AFFINBANK Easy Installment Plan

    If your retail transaction amount at a merchant outlet is high, Affin Bank’s Easy Installment Plan (EiPlan) can help you pay off all of it as affordable monthly payments. Based on the transaction amount, you’ll have to pay an upfront interest charge and choose a suitable repayment period.

    Features of AFFINBANK Easy Installment Plan

    Minimum Transaction Amount Installment Tenure (months) Upfront Interest Rates (%)
    RM500 6 2
    RM1,000 12 4
    RM2,000 18 5
    RM2,000 24 6
    RM3,000 368 7

    Benefits

    • Convert big spends into smaller, affordable payments.

    • Low interest charges.

    • Flexible repayment periods ranging from 6 months to 36 months.

    Eligibility

    • All new and existing cardholders of Affin Bank credit cards can apply

    • Your card must have the necessary credit limit and must be in good with the bank.

    • The minimum purchase amount must be RM500 or more

    List of Credit Cards Featuring AFFINBANK Easy Installment Plan

    Credit Card
    Key Benefit
    Interest Rate (% p.a.)
    Annual Fee
    Know More

    Get the benefits of Balance Transfer Installment Plan (BTiP)

    12-17.5

    Waived for a lifetime

    Enjoy the privilege of visiting Priority Pass Lounges across the world

    12-18

    Waived for the first year

    Get 5.5% p.a. cash rebate on finance charges when you make the minimum payment by the due date

    12-17.5

    Waived for the first year; RM159 from the second year onwards

    Every ringgit spent on retail transactions will fetch you 1 AFFIN Rewards Point

    12-17.5

    Waived for the first year; RM53 from the second year onwards

    Get 1 AFFIN Reward Point on each RM1 spent on retail transactions

    12-17.5

    Waived for the first year; RM159 from the second year onwards

    Enjoy a cash rebate of 5.5% p.a. on finance charges when the minimum payment is made by the due date

    12-17.5

    Waived for the first year; RM53 from the second year onwards

    Earn 3% p.a. cash rebate on finance charges when the minimum payment is made by the due date

    12-15

    Waived for the first year; RM159 from the second year onwards

    Enjoy competitive interest rates and benefits such as Balance Transfer Installment Plan

    12-17.5

    Waived for a lifetime

    Receive an AFFIN Rewards Point when you spend RM1 on retail transactions

    12-17.5

    Waived for the first year; RM159 from the second year onwards

    Make the minimum payment by the due date to get a cash rebate of 5.5% p.a.

    12-17.5

    Waived for the first year; RM53 from the second year onwards

    How Does the AFFINBANK Easy Installment Plan Work?

    • Make a minimum retail spend of RM500 at any merchant outlet and apply for the EiPlan.
    • Upon approval from the bank, the purchase amount will be deducted from the available credit limit of your card.
    • Your credit limit will be gradually restored as and when you pay the monthly Installments.
    • The monthly Installment is calculated by equally dividing the purchase amount with the Installment tenure.
    • Pay one-time upfront interest that depends on the transaction

    How Do You Apply for the AFFINBANK Easy Installment Plan?

    • Call Affin Bank’s Contact Centre at 03-8230 2222 to notify your intent to convert your purchase into an EiPlan.
    • AFFINBANK World MasterCard cardholders can call the number 03-8230 2323 to apply for the EiPlan.
    • You must apply for the scheme before the next statement date.

    Stop getting worried about high shopping bills. Just convert all your big retail spends into smaller monthly payments that you can afford. Make room for other important purchases and handle your finances better.

    FAQs on AFFINBANK Easy Installment Plan

    Q. Is the EiPlan available for supplementary cards?

    A. Yes. The EiPlan is available for primary and supplementary cardholders of Affin Bank credit cards.

    Q. Can I get the benefits of the EiPlan on auto-bill payments?

    A. No. You can only convert your retail transactions into the EiPlan. Transactions such as auto-bill payments, cash advances, etc. are not applicable.

    Q. Can I apply for the scheme more than once?

    A. Yes. You can apply for the EiPlan more than once and its approval is based on the available credit limit and other eligibility criteria at that point in time.

    Q. Can I choose to increase the credit limit of my card to accommodate more EiPlan options?

    A. You can choose to increase the credit limit. However, only the default credit limit will be applicable when you have to convert your transaction into the EiPlan. The temporary increase in the credit limit cannot be used with the EiPlan.

    Q. Can I cancel an approved EiPlan?

    A. Yes. You can cancel the EiPlan if you wish to. However, there will be a cancellation fee of RM50 per plan if you cancel it before the tenure ends.

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