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AmBank Easy Payment Plan

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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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  • Shell-Citi Credit Card
  • Standard Chartered JustOne Platinum MasterCard
  • Standard Chartered Visa Platinum
  • Standard Chartered Platinum MasterCard Basic
 

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Win an Ikea voucher worth RM500 when you apply and get approval for a new credit card through BBazaar. The exclusive deal is valid from 19 December 2018 to 31 January 2019, and is applicable when you apply for any of the following credit cards.

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  • Citi PremierMiles Visa Card
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