if u ur taking idigi 88 for epp 24.. u haf to pay RM159 per mth (16gb iphone) or RM176 per mth (32gb iphone)

you will need to charge to your credit card for roughly 4-4.5k for the EPP.
or if you don't want EPP, you need to pay/swipe for the discounted iPhone price + 6 months upfront payment of the chosen plan.

Upfront payment refers to the monthly subscription fees paid in advance.
For example, if you want to pay by cash, you need to pay 6 months of monthly subscription fees in advance.
If you want to pay by installments, you need to pay 24 months of monthly subscription fees in advance.

1. The amount at the top of the table is the iPhone's price. Every iDigi plan have different discount level for the iPhone. So the higher iDigi you take, the more discount you get.

Ok, to put things in a simpler manner, we separate the price of the iPhone and the total upfront payment for the iDigi 88 plan.

You opt for iDigi 88, Digi wants you to pay up RM88 for 24 months, all in one short.

So, RM88 X 24 months X 5% service tax = RM 2,217.6

Since you take iDigi88, you can have the iPhone at RM 1,590. This amount you also need to pay in full.

So RM 2,217.6 + RM 1,590 = RM 3,807.60 (make sure your credit card has enough limit to cover this amount)

Digi wants you to pay this amount, so they charge this amount to your credit card. However, you are paying this amount in installments right, so the credit card's bank converts this purchase into 0% interest 24 months installment.
Therefore RM 3,807.60 / 24 months = RM 158.65 rounded up to RM 159.
As you can see, you pay this monthly RM 159 to your credit card bank, not Digi. Digi already has the full amount taken from your credit card bank. So for the first 24 months, you need not pay anything to Digi.
If let's say your usage for that particular month exceeds your iDigi plan's limit, Digi will charge you for the extra usage and it will be reflected in your monthly bill statements. That you need to pay to Digi.
Beginning from 25th months and onwards, you already settled your credit card's installments. You pay your RM88 monthly to Digi as per normal. From this on, you are no longer tied to the contract, so you can change or cancel your iDigi88 plans if you like.
4. If your iPhone got stolen, you still need to finance the installments provided to you by your credit card bank, nothing to do with Digi here.