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CIMB 0% Easy Pay

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CIMB 0% Easy Pay (EP) allows you to convert large retail purchases made on your credit card into affordable instalments without interest. You can choose from tenure options that go up to 36 months. This instalment plan is only available at participating merchants across Malaysia.

Features of CIMB 0% Easy Pay:

Instalment Plan Minimum Tenure Maximum Tenure Interest Rate
CIMB 0% Easy Pay 6 months 36 months 0%

Benefits:

  • Make purchases at any of the multiple participating merchant outlets across Malaysia.
  • Spread your purchase amount over a fixed repayment period and pay affordable, interest-free instalments.
  • Choose from multiple repayment tenures that start from 6 months and go up to 36 months according to your financial needs.

Eligibility:

  • This plan applies to all cards issued by CIMB Bank Berhad except the Platinum Business Card and the Fuel Tanker Card.
  • This plan applies only to eligible purchases made at any Easy Pay participating merchant outlet.
  • The minimum transaction amount to qualify for the EP facility is based on the bank’s arrangement with individual merchants.
  • Each card must have sufficient credit limit available to make a purchase.
  • Each card account must be in good standing without any default or breach of CIMB’s terms and conditions.

List of Credit Cards Featuring CIMB 0% Easy Pay

Credit Card
Key Benefits
Interest Rate
Annual Fees
Know More

  • Up to 5% cash rebate for Tesco purchases
  • 1x points for every RM2 spent at Tesco

15% p.a. to 18% p.a.

Waived for life

  • Up to 7% cash rebate on Petronas purchases
  • Unlimited 2% cash rebate on other retail transactions

15% p.a. to 18% p.a.

Waived for life

Up to 5% cash rebate on grocery, petrol, cinema, mobile and utility transactions

Up to 2% cash rebate on online or retail foreign currency purchases

15% p.a. to 18% p.a.

Waived for life

1x Bonus Miles for every RM4 spent on local and overseas transactions

2x complimentary access to Golden Lounge of Malaysia Airlines worldwide

15% p.a. to 18% p.a.

Waived for life

1x Bonus Miles for every RM1.50 spent on overseas transactions

1x Bonus Miles for every RM3 spent on local transactions

15% p.a. to 18% p.a.

RM588
Waived with a minimum spend of RM500,000 p.a.

1x Bonus Miles for every RM1 spent on overseas transactions

1x Bonus Miles for every RM2 spent on local transactions

15% p.a. to 18% p.a.

RM1,288
Waived with a minimum spend of RM1 million p.a.

2x points for all overseas transactions

1x points for all local transactions

15% p.a. to 18% p.a.

Waived for life

2x points for all overseas transactions

1x points for all local transactions

15% p.a. to 18% p.a.

Waived for life

2x points for all overseas transactions

1x points for all local transactions

15% p.a. to 18% p.a.

Waived for life

5x points for dining and overseas transactions

1x points for other transactions

15% p.a. to 18% p.a.

Waived for life

1x points for all transactions

Use points to pay for purchases at any participating merchant outlets

15% p.a. to 18% p.a.

Waived for life

Up to 7% cash rebate on Petronas transactions

Unlimited 0.2% cash rebate on all other transactions

15% p.a. to 18% p.a.

Waived for life

1x points for all transactions

Complimentary travel Takaful coverage up to RM1 million

15% p.a. to 18% p.a.

Waived for life

How Does CIMB 0% Easy Pay Work?

  • Verify whether Easy Pay is available with the merchant at the time of purchase.
  • Confirm the available tenure period and choose a preferred tenure.
  • Inform the merchant of your choice while making the purchase.
  • Notify CIMB of the purchase transactions and chosen tenure to apply Easy Pay on your purchase.

How Do You Apply for CIMB 0% Easy Pay?

  • Inform CIMB of your intent to opt for Easy Pay on your retail purchase through telephone, post or email.
  • Keep in mind to apply for the EP plan at least three days after the date of your purchase or two days before your next statement due date.

It’s never easy to make a choice between two things you really need. With the CIMB 0% Easy Pay (EP) facility, you won’t have to make such difficult decisions any more. Just convert all your retail spends into affordable, interest-free monthly instalments, which you can pay over a tenure that you choose.

FAQs on CIMB 0% Easy Pay

Q. What transactions are not eligible for CIMB 0% Easy Pay plan?

A. Transactions excluded from this plan include cash advances, cash rebate transactions, quasi-cash transactions, instalment payments, annual fee payments, and payments for any fees or charges.

Q. Are there any terms to qualify for CIMB 0% Easy Pay while making a purchase?

A. Yes. You have to meet the minimum spending amount imposed on your card to qualify for this plan while making a purchase.

Q. Can I change the tenure of this instalment plan after I have applied for this facility?

A. No. You can choose the tenure only when you apply for this plan. Once your request is approved, you cannot change the tenure.

Q. What would happen if I do not pay the instalments on time under this plan?

A. If you do not pay the instalments on time, you will be charged the penalty fees on your outstanding amount. The 0% interest facility only applies if you make your monthly payments in full on or before the due date.

Q. Can I take up this instalment plan more than once?

A. Yes. You can take up this plan more than once as long as you are eligible for this plan.

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