No banks charge joining fee nowadays. I applied Maybank recently and got the card, no fees whatsoever. 

And for the lowest entry to get Plat card, apply OCBC Robinson. CL is as low as 5k!

Correct me if I'm wrong but I think the 0% installment means no interest or finance charge on the converted purchase (converted to flexipay, flexipayment et al).  The non-flexi purchase got finance and other interest (e.g. 15, 17, or 18%) while Flexipayment stuff is only charge with one time 3, 5 or 6% (upfront fee).  The flexipayment is fixed montly installment, there's no interest will occur unless the cardmember failed to pay the flexi monthly installment.  Fee for it depends on the bank. 

So the advantages of Flexipayment thingy are:
1.  One time interest (the upfront fee 3, 5, 6%) as long as the card holder don't fail to pay the Monthly Flexipayment due.  This is good because the non-flexi got more interest rate and it keep coming.
2.  Choice how many months to pay an item or items
3.  Credit limit is not affected.  This is true only if the bank will restore the amount converted to Flexipay.  I like this advantage a lot because I can get stuff that I want without reducing much my credit limit.  I prefer to have my credit limit always ready for not-so-high-purchases e.g. less than RM2K.

I don't fancy this card too much coz not only they will charge you RM2 but the reload happens when it is below RM50. I translate that as you actually have only RM50 in your card. (Assuming you load up RM100)

In the old days, the auto reload happens when you hit RM0 but I guess TNG had a problem when there is a gap between reloading the card and charging the person acct. You see you could have cancelled your cc but the reload still happens. A better solution would be to lower the reload limit so I don't feel cheated.