In my opinion, this is a great payment option. Not only it offers 0% interest but it also allow debit card usage. Not everyone has a credit card. It would be great if it has 6 month option.

I agree that 12 month is too long, however 3/6 months seems more viable. Plus we only need to pay first month as upfront payment and not having the whole total amount as a limit for the card.

For example: A basic laptop for Rm1k. This translates to Rm333.33 x 3 months or Rm100 x 6 months. Rm100 for 6 months I'd say pretty good and really affordable.