• Public Bank Zero-Interest Instalment Plan

    With Public Bank’s Zero-Interest Instalment Plan (ZIIP), you can make purchases at select merchant outlets and convert them into repayments as monthly instalments at 0% finance charges. You can even choose from tenure options that start from three months and go up to 36 months.

    Features of Public Bank Zero-Interest Instalment Plan

    Instalment Period Interest Rate Minimum Amount
    3 months to 36 months 0% p.a RM500

    Benefits:

    • Pay your monthly instalments at 0% interest rate.
    • Flexible repayment periods starting from 3 months and going up to 36 months.

    Eligibility

    • The ZIIP is open to Public Bank credit card holders whose accounts are in good standing, current, and valid.
    • To qualify, you must spend a minimum of RM500 in a single receipt.

    List of Credit Cards featuring Public Bank Zero-Interest Instalment Plan

    Name of Card
    Key Benefits
    Interest Rate (% p.a.)
    Annual Fee
    Know More

    • Get unlimited Cash MegaBonus of 0.3% on overseas and local retail purchases.
    • Get complimentary travel insurance coverage of up to RM500,000.

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

    Free for life.

    • Get unlimited Cash MegaBonus of 0.2% on local and overseas retail spends.
    • Enjoy Visa contactless technology for quick and safe

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

    Waived for the first year. Can be waived for subsequent years with a minimum of 12 swipes over the preceding year.

    • Get 3x complimentary access to any Plaza Premium Lounge in Malaysia.
    • Get complimentary travel insurance coverage of up to RM500,000.

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

    Free for life.

    • Get endless Hibah Performance Bonus of 0.2% on overseas and local retail spends.
    • Get Mastercard contactless technology for quick and safe everyday purchases.

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

    Waived for the first year. Can be waived for subsequent years with a minimum of 12 swipes over the preceding year.

    • Get complimentary travel insurance coverage of up to RM500,000.
    • Enjoy the convenience of opening a current account at any branch without an introducer.

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

    Waived for the first year. Can be waived for subsequent years with a minimum of 12 swipes over the preceding year.

    • Get unlimited Hibah Performance Bonus of 0.1% on all your local and overseas spends.
    • Enjoy 24/7 Help Desk assistance. You just need to dial 03-2176 8000.

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

    Waived for the first year. Can be waived for subsequent years with a minimum of 12 swipes over the preceding year.

    • Get unlimited Hibah Performance Bonus of 0.1% on all your local and overseas spends.
    • Enjoy the convenience of opening a current account at any branch without an introducer.

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

    Waived for the first year. Can be waived for subsequent years with a minimum of 12 swipes over the preceding year.

    • Enjoy 6% cashback on grocery shopping, dining as well as online transactions and 1 VIP Point for every RM1 you spend on any other retail transactions.
    • Get Signature Help Desk assistance round the clock. You just need to call 03-2176 8118.

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

    Waived for the first year. Can be waived for subsequent years with a minimum of 12 swipes over the preceding year.

    • Get 1 VIP Point for every RM1 that you spend.
    • Get complimentary travel insurance coverage of up to RM500,000.

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

    Waived for the first year. Can be waived for subsequent years with a minimum of 12 swipes over the preceding year.

    • Get unlimited Cash MegaBonus of 0.1% all local and overseas retail spend
    • Convenience of opening a current account at any branch without an introducer.

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

    Waived for the first year. Can be waived for subsequent years with a minimum of 12 swipes over the preceding year.

    • Get preferential fees on Cash Advances: 5.3% at ATMs and branches all over Malaysia. This is subject to a minimum cash advance fee of RM21.20 each withdrawal.
    • You can apply for a supplementary card for your near ones to extend the privileges and convenience of your card membership.

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

    RM79.50

    • Get 2% cash rebate for every Ringgit charged to this for your AIA insurance premium.
    • Get endless Cash MegaBonus of 0.1% on local and overseas purchases.

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

    Waived for the first year. Can be waived for subsequent years with a minimum of 12 swipes over the preceding year.

    • Enjoy 0.3% Mutual Gold Cash Bonus on your birthday.
    • Get complimentary travel insurance coverage of up to RM500,000.

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

    Waived for life provided Mutual Gold/Mutual Gold Elite status is with Public Mutual Berhad.

    • Earn 5% Cash Rebate on fuel and non-fuel purchase at Petron service station.
    • Get up to RM20,000 as personal accident insurance.

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

    Free for life.

    • Open a current account at any branch without an introducer.
    • Unlimited Cash MegaBonus of 0.1% on both local and overseas purchases.

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

    Waived for the first year. Can be waived for subsequent years with a minimum of 12 swipes over the preceding year.

    • Get preferential fees on Cash Advances: 5.3% at ATMs and branches all over Malaysia. This is subject to a minimum cash advance fee of RM21.20 each withdrawal.
    • Apply for a supplementary card for your near ones to extend the privileges and convenience of your card membership.

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

    RM79.50

    How Does the Public Bank Zero-Interest Instalment Plan Work?

    Once you make a purchase, you must inform the bank and notify the merchant to have it converted to the ZIIP option. You are free to choose your interest-free repayment tenure. Your next statement will reflect the amount you need to pay.

    How Do You Apply for Public Bank Zero-Interest Instalment Plan?

    Choose the products you need and inform the merchant of your willingness to convert the payment to ZIIP. Once the payment plan is confirmed, your products will be delivered to your address.

    Remember that once you apply, the plan is subject to availability of stocks, adequate Credit Line in your account, and acceptance of the plan by the bank and the merchants.

    Public Bank’s ZIIP is a great alternative when you’re low on cash for shopping. You can still buy what you need and pay it all off over a repayment period that you choose. The best part is that you don’t have to pay any interest.

    FAQs on Public Bank Zero-Interest Instalment Plan

    Q. What happens if I fail to settle the instalments within the due date?

    A. If you fail to settle the instalments on or before the payment due date, you’ll be liable to pay the standard tiered interest rates – 15% p.a. to 18% p.a.

    Q. What happens in case of a default?

    A. In case a default occurs, the bank reserves the right to terminate the ZIIP facility. In addition, any outstanding balance will immediately become due and you must pay it as soon as possible.

    Q. When will I get the delivery of the items?

    A. You will get the delivery of your item within 3-4 working weeks from the date of receipt of the ZIIP by the merchant. This is subject to stock availability.

    Q. Do overseas addresses qualify for delivery of my products?

    A. No. Products won’t be delivered to overseas locations or addresses with P.O Box numbers.

    Q. What happens if my credit line exceeds during the repayment period?

    A. If your available Credit Line exceeds when the instalment is charged to your account, then you must regularise your credit card account before the next due date. If you miss any more payments, your entire balance will be due without further reference.

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