RM 159 is inclusive of 5% charged to the RM88 monthly fees.
Remove that and you are paying exactly what was printed on the iphone price.

It will be charged on top of the RM88

Yes, on the 25th to 36th month, RM 127 will be charged by your credit card company as part of the installments for 36 months.
RM 138 will be charged by Digi as per normal.

The RM 159 you pay monthly covers 24 months worth of monthly subscription fees of RM88 + the Iphone cost of RM 1590. If during the 24 months you exceed your call limit, you will be charged accordingly for that particular month for the extra calls, it will be shown in your bill and you pay the extra to digi.

Also, please note that RM159 is payable to your credit card bank. Digi already has the total cost from you.

This post has been edited by tskhang: Apr 2 2010, 03:54 PM

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.

This post has been edited by tskhang: Apr 2 2010, 07:36 PM

Actually, the additional 12 months does make a difference. After 2 years, the contract is over, so in case a new iPhone is out, and they want to upgrade to the new iPhone, they will still be financing the old iPhone they no longer use.

(RM 88 x 6 months + 5% gov tax) + RM 1,590 = RM 2,144.40 (round up to RM 2,144)

The 6 months of RM88 is not deposit, it is actually RM88 you paid in advance for the 1st 6 months for the iDigi88.
Which means, you don't have to pay anything (except for over limit charges) for the 1st 6 months. Coming 7th month onwards, you pay RM88 per month as per normal.

Only 3G/EDGE/GPRS. It does not monitor Wifi usage.


To be sure, just check the date printed on your bill statement.

Yes, as you pay your installments monthly, your credit limit will free up proportionately.