Please dont add on monthly commitment fee into your total cost of ownership.Either way, u still need a data plan even if u purchase it outright.

However if u wish to include all, this is the way to calculate:

Without plan:
Normal plan rm80 (10gb internet) * 24 = rm1920 + outright purchase = RM4299.
Total cost of ownership is RM6219.

With celcom first gold plan:
Package plan rm98 (12gb internet) * 24 = RM2352 + phone price (after gst ?)= RM2978
Total cost of ownership is RM5330.

But im not sure the rm2978 is inclusive of gst or not. if before gst, total ownership will become rm5508.68..

If like that, that mean the price still like we purchase the device itself at machine.. i thought since we take 24 months contract, it will be cheaper..  

I know upfront payment will be discount monthly
I thought got discount if paying using certain card, or auto pay using card
alright, will check it out

btw celcom plan seems not bad, but why they force user add another RM 18

is the celcom plan worth it if i'm already on platinum?