Oct 24 2010, 08:27 AM
Monthly bill (without excessive usage) = RM63 plus 5% tax = RM66.15
Deduct Autobill rebate = RM66.15 - RM5 = RM61.15/month
After 24-months, you pay:
RM61.15 x 24 = RM1467.60
Grand total after 24 months = iP4 32GB + monthly bill = RM2490 + RM1467.60 = RM3957.60
Or,
Monthly bill (without excessive usage plus Autobill rebate) = RM58 plus 5% tax = RM60.90
After 24-months, you pay:
RM60.90 x 24 = RM1461.60
Grand total after 24 months = iP4 32GB + monthly bill = RM2490 + RM1461.60 = RM3951.60
There is confusion on the 5% tax. Wait for the second monthly bill to confirm which it is imposed to. I have received my first month bill. It is as per calculated in the first option.
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Cummulative Calculation For EPP (iP4 32GB):
Total after 24 month EPP = RM169.90 x 24 = RM4077.60
But remember, there is RM5 rebate for Autobill = 24 x (-RM5) = -RM120
Now the trick for EPP is, the rebate must be activated by the customer as per T&C below:
"Auto Billing rebate of RM5 per month will be reflected in the monthly Postpaid bill if you sign up for Auto Billing at the point of purchase. Auto Billing is not activated automatically for EPP payments and the customer is required to opt-in by law."
Once you have activated the Autobill rebate (just ensure the DiGi Exec activates it for you), the Grand Total after 24 months = RM4077.60 - RM120 =
There's more. For EPP, your credit limit will be reduced instantly by RM4077.60.
Let's say your CC limit is RM5000/month, the balance for next month once you sign-up for EPP is
= RM5000 - RM4077.60 = RM922.40
Meaning, you can use your current CC balance of RM922.40 for next month expenses. If you use the same CC for other autobill service(s), be extra carefull as this will further add deduction to your CC monthly limit. But, don't worry, the CC limit will increase monthly again by RM169.90 (for 32GB iP4). During my sign-up, I've seen a lot of customer's CC was rejected due to insufficient credit balance. Because you have to ensure your CC balance exceed RM4077.60 (for 32GB iP4). In the end, they go for upfront payment which is RM2490 because there is no more CC left.
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Conclusion : It does not matter which payment plan you opt for. They are both the same in terms of grand total paid after 24 month period. For me, EPP is better if you have more than one CC. But if you have good cash-flow in your savings account, no harm to go for upfront payment by paying via CC. You have to also ensure other charges (eg. RM3 detailed paper-bill) is disabled during sign-up.
This post has been edited by dgtel2: Oct 24 2010, 05:37 PM
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