PBB Quantum's Flexipay (12 months @ 0%) is the best. very good to convert big-amount transaction into installments. yes, you pay the bank.

i've done it many times with PBB Visa Signature (9 months @ 0%) and also Quantum's 12 months @ 0%. from buying electrical items to kitchen cabinet to eye surgery 

per transaction.

e.g. buy electrical appliances (e.g. fridge, TV, etc.) from merchant A with amount RM2k, swipe with PBB card, then after 3 days, call PBB to convert that RM2k into 9month Flexipay.

advantages: good for single large sum transaction. no additional fees. simple call-in to CS, done in 1 minute. if you have multiple flexipay done, you can also BT your upcoming statement to another card, further extending the period (e.g. BT to MBB's 12mth 0%).

disadvantages: not by statement (for this, you do BT instead), need min RM2k for 9month 0% flexipay, tricky when your purchase is near bill date (T&C: 3 days after transaction, 5 days before bill date).
here's what's shown in the statement:

hi there... so i have this question in mind i thought i might as well ask here since you got the experience. Do PBB charge any "processing fee" for the Flexipay?

choose those Flexipay plans with 0%! here's how it works..

Note: Quantum need only RM1.2k for Flexipay 12mth 0%. Other PBB cards need RM2k for Flexipay 9mth 0%.

1) swipe a big amount from a merchant.
2) after the transaction got posted (about 1-3 days, varies from merchant to merchant), call PBB CS to convert to Flexipay.
3) next day, you'll see the original amount will be "reversed", then 1st installment amount charged.
4) in your statement, it will show the Installment # count and remaining installments. Every new statement, the # count will increase, the balance will reduce.

Final installment:

1. Annual Income: RM42k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Pump petrol only, cash back (I often pump during weekdays)

4. Existing credit cards (if any): Mach HL

5. Interested in CC from: Any

6. Others: I want cc that can give me highest cash back via pump petrol

choose those Flexipay plans with 0%! here's how it works..

Note: Quantum need only RM1.2k for Flexipay 12mth 0%. Other PBB cards need RM2k for Flexipay 9mth 0%.

1) swipe a big amount from a merchant.
2) after the transaction got posted (about 1-3 days, varies from merchant to merchant), call PBB CS to convert to Flexipay.
3) next day, you'll see the original amount will be "reversed", then 1st installment amount charged.
4) in your statement, it will show the Installment # count and remaining installments. Every new statement, the # count will increase, the balance will reduce.

Final installment:

Which card collect points are the best for large purchase which cannot use AMEX?

1. Annual Income: RM 39K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Buying eletronic/house goods, using it for Easy Payment Plan. Petrol/groceries.

4. Existing credit cards (if any): None

5. Interested in CC from: Maybank Islamc / Cimb Islamic , or any recommendation?

6. Others: Just use for EPP, petrols and maybe cashback for groceries.

1. Annual Income: RM 39K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Buying eletronic/house goods, using it for Easy Payment Plan. Petrol/groceries.

4. Existing credit cards (if any): None

5. Interested in CC from: Maybank Islamc / Cimb Islamic , or any recommendation?

6. Others: Just use for EPP, petrols and maybe cashback for groceries.

Maybank Ikhwan MasterCard and Visa.
More details: https://forum.lowyat.net/index.php?showtopic=4103568&hl=

Maybank ikhwan good for petrol n groceries for Friday and Saturday

EPP highly recommend PBB quantum, any single transaction above 1200 can go for 0% 12 mths flexi pay, no matter what merchant. Confirm zero charges.

Maybank ikhwan good for petrol n groceries for Friday and Saturday

EPP highly recommend PBB quantum, any single transaction above 1200 can go for 0% 12 mths flexi pay, no matter what merchant. Confirm zero charges.

Please correct me if I'm wrong. The EPP for PBB Quantum is regardless of any merchant and any mode of payment (online spent and physical card swipe), yes ?

If it is, I might apply for it as well.

Yes, any retail transaction will do. U swipe 1st, wait it posted on your unbilled transaction, then u can call to CS to convert.

Perfect. Meanwhile, it is based on approval or it will be processed as long as criteria is met?

ur single transaction more than 1200, then no problem already. based on criteria met.

Does it impact on the card limit?
Or does the card even have limit?

Like let's say, card credit limit is 20K.

Buy stuff RM12K on January.
Asked for installment RM1K for 12 month.

So Credit limit on January, left RM8K?
And on February, credit limit become RM9K left because we already settled that RM2K already?

Yes. After make monthly instalment, credit limit will release month by month lo.

choose those Flexipay plans with 0%! here's how it works..

Note: Quantum need only RM1.2k for Flexipay 12mth 0%. Other PBB cards need RM2k for Flexipay 9mth 0%.

1) swipe a big amount from a merchant.
2) after the transaction got posted (about 1-3 days, varies from merchant to merchant), call PBB CS to convert to Flexipay.
3) next day, you'll see the original amount will be "reversed", then 1st installment amount charged.
4) in your statement, it will show the Installment # count and remaining installments. Every new statement, the # count will increase, the balance will reduce.

Final installment: