so, my summary after reading all these (using iphone 3gs 16gb, idigi 88 as example):

1. cash/credit card
-what you pay now: the phone price + 6 months of idigi plan = RM2,144
-what you need to pay every month: first 6 months no need pay anything if you use within quota, then on 7th month until 24th month need to pay rm88/month

2. EPP 24
-what you pay now: RM159 with the 5 bank's credit card and sign up for direct debit to allow digi to get rm159/month from your bank for 24 months
-what you need to pay every month: digi will deduct rm159/month from your bank for 24months

3. EPP 24+12
-what you pay now: RM106 with the 5 bank's credit card and sign up for direct debit to allow digi to get rm106/month from your bank for 36 months
-what you need to pay every month: digi will deduct rm106/month from your bank for 36months

At the end of the day, you will pay:

Plan 1
(RM2,144 + RM88 x 5% tax x 18months) = RM3807.20

Plan 2
RM159 x 24 = RM3,816

Plan 3
RM106 x 36 = RM3,816
Is this correct ?

all plan oso haf 5% tax

where the 5% come from?
GOV taxs ? or service taxs?

this is how it works on Maxis as well. you pay the total and you clear the installment plan with your credit card company. the good part abt maxis is, you only pay the lump sum of the phone and the first few months bill. whereas digi charges you for the whole contract term.

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Added on March 31, 2010, 12:53 pm

88 IS minimum usage per month. if you exceed then you pay more. which Telco isn't like this? it's the same for Maxis as well. the free goodies in Digi is the internet data. even if you exceed 1GB quota, you won't get charged. whereas maxis will charge u an arm and leg.

no deduct.. RM88 is nt commitment fee.. is package plan.. subsequent will be charge to 88 + (total voice or sms or mms tat over the free quota)

i tihnk its not a commitment the rm88..i thought that too at first..i think its something like the post i quoted below..

just spoke t digi customer care, its non sense, for the EPP plans using credit card, u must pre-pay for 2 year in advance, total coming up toRM3k ++ then settle monthly with your credit card. What a plan.

Another failure iphone contact retailer.

just spoke t digi customer care, its non sense, for the EPP plans using credit card, u must pre-pay for 2 year in advance, total coming up toRM3k ++ then settle monthly with your credit card. What a plan.

Another failure iphone contact retailer.

it is commitment bro. if you don't finish the 200 mins talktime, 200 sms, 1GB data. you'll still have to pay rm88.

but if you exceed the quotas then u need to pay for the extra's. so example, if your talktime is 300 mins, you have to pay additional 100mins (100*0.15) on top of your rm88.

if you see what yvonne stated. you'll have to pay RM88 + whatever you quota you exceed.

so if RM88 is not commitment what is it? package plan=commitment=minimum payment. call it whatever you like. but you'll have to pay this amount, MINIMUM.

ahh monthly fees... how's digi's 3g coverage in sabah? like in UMS and such

this is how it works on Maxis as well. you pay the total and you clear the installment plan with your credit card company. the good part abt maxis is, you only pay the lump sum of the phone and the first few months bill. whereas digi charges you for the whole contract term.

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Added on March 31, 2010, 12:53 pm

88 IS minimum usage per month. if you exceed then you pay more. which Telco isn't like this? it's the same for Maxis as well. the free goodies in Digi is the internet data. even if you exceed 1GB quota, you won't get charged. whereas maxis will charge u an arm and leg.

Actually is a good deal.. RM 88..Consists of
200 minutes talk time (200* 0.15 cents nationwide= RM 30)
200 SMS (200*10cents= RM 20)
20 MMS (20*20 cents=RM 4)
1GB Data= RM 34
total up RM 30+RM20+ RM4= RM 54 value.. Then the remainding RM 34 is the data... SO, worth it !

Huh? i exceed 1GB, won't get charged? then why not just put it as 'unlimited'?

you forgot i think.....after 1GB exceeded there is no extra charges but Maxis have.