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  • AmBank Easy Payment Plan

    AmBank Easy Payment Plan

    The AmBank Easy Payment Plan (EPP) lets you convert retail purchases made at select merchant outlets into affordable monthly instalments. With the EPP option, you have the privilege of making repayments in monthly instalments at 0% finance charges. You even get to choose the repayment tenure according to your needs.

    Features of AmBank Easy Payment Plan

    Instalment Period Interest Rate (p.a.) Minimum Amount
    Up to 24 months or 2 years 0% RM500

    Benefits

    • Convert large spends into interest-free monthly instalments.
    • Flexible repayment tenures starting from 3 months and going up to 24 months.

    Eligibility

    • The retail transaction must be made at any partnering merchant outlet.
    • Your credit card account should be in good standing and not in breach of any of the bank’s terms and conditions.
    • The transaction to be converted should be worth RM500 or more and done in a single receipt.

    List of Credit Cards Featuring AmBank Easy Payment Plan

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

    Get travel insurance with a cover of up to RM500,000

    15% p.a. - 18% p.a.

    Waived

    Get up to 50% off at Hilton Hotels in Malaysia, China and Thailand

    15% p.a. - 18% p.a.

    Waived

    Enjoy 5% cash rebate on petrol purchase of any brand

    15% p.a. - 18% p.a.

    Waived

    Earn 3% cash rebate on petrol purchase of any brand

    15% p.a. - 18% p.a.

    Waived

    Get travel insurance provides a cover of RM2 million

    15% p.a. - 18% p.a.

    RM583

    Receive 3 BonusLink Points when you spend RM10 on local transactions

    15% p.a. - 18% p.a.

    RM477

    Earn 3% cash rebate for online spend

    7.99% p.a. - 18% p.a

    Waived

    Save 50% on green fees at select golf courses of South East Asia

    15% p.a. - 18% p.a.

    Waived

    Enjoy unlimited lounge access throughout the year

    15% p.a. - 18% p.a.

    Waived

    Earn 3 AmBonus Points for every ringgit you spend overseas

    15% p.a. - 18% p.a.

    Waived

    Spend RM10 on retail transactions such as Shell petrol, dining, etc. to earn 30 BonusLink Points

    15% p.a. - 18% p.a.

    Waived for the first two years

    Collect 3 BonusLink Points for retail spend in Malaysia and 6 BonusLink Points for overseas spend

    15% p.a. - 18% p.a.

    Waived for the first two years

    Get a travel insurance cover of up to RM500,000

    7.99% p.a. - 18% p.a.

    Waived for the first two years

    Earn 3 Cosway Points on every RM1 spent at a Cosway Store/Pharmacy/Country Farm Organic Store

    15% p.a. - 18% p.a.

    Waived

    How Does the AmBank Easy Payment Plan Work?

    • Make a retail transaction worth a minimum of RM500 at any participating merchant store.
    • Once you’ve notified your intention of having the transaction converted, the purchase amount will be split into monthly payments according to your chosen repayment period.
    • Upon the bank’s approval, the purchase amount will be reduced from the available credit limit of your card.
    • Your first instalment will be due in the following month.

    How Do You Apply for the AmBank Easy Payment Plan?

    • You must inform the merchant partner of your intention to convert the eligible retail transaction before it’s charged to your credit card.
    • Decide a suitable repayment
    • Sign on the charge slip/debit authorisation form to confirm your consent for EPP.

    Stop having to make sacrifices when you’re out shopping. Buy everything you need and convert eligible retail transactions into affordable, interest-free monthly instalments with AmBank’s EPP facility. With enhanced financial flexibility, you’ll have more room to accommodate all your other expenses on your credit card.

    FAQs on AmBank Easy Payment Plan

    Q. What are the different categories of products I can buy under EPP?

    A. You can buy jewellery, mobile phones, electrical and electronic goods, fitness equipment, beauty products, home appliances, travel packages, etc.

    Q. Is it possible to change the approved instalment plan?

    A. You cannot change the instalment plan once approved unless you request the bank and receive a written consent regarding the changes.

    Q. Should I pay any extra charges with the monthly instalment?

    A. You need not pay any extra charges if you pay the monthly instalment in full.

    Q. What happens if I cannot pay the full instalment amount?

    A. If you cannot pay the instalment amount in full, you must make the minimum payment of 5% of the outstanding balance or RM50, whichever is higher. However, you have to pay the finance charges along with the monthly instalment.

    Q. What happens when the bank terminates my credit card or the EPP?

    A. On termination of the card, you will have to immediately pay the remaining monthly instalments and any other dues on the card or the EPP.

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