27 January – 30 June 2025: Public Bank: 0% Flexipay with PB Mastercard Promotion

Enjoy 0% Flexipay with PB Mastercard – A Smart Way to Manage Expenses

Looking for an easier way to manage your spending without the burden of high-interest charges? Public Bank’s 0% Flexipay with PB Mastercard is a fantastic opportunity to spread out your payments over six months without incurring any extra fees. Whether you’re planning a major purchase or simply want to manage your finances better, this promotion offers a practical and cost-effective solution.

Why Should You Consider This Offer?

Flexipay is designed to provide financial flexibility by allowing cardholders to convert their purchases into instalments. This means that instead of making one lump-sum payment, you can spread your expenses over six months with zero interest. If you’ve been eyeing a new gadget, home appliance, or even a luxury item, this is an excellent time to make your move without straining your budget.

Here’s why this deal is worth considering:

1. 0% Interest – No Hidden Costs

Many credit card instalment plans come with hidden fees or high-interest charges. However, with Public Bank’s Flexipay, you get a transparent and interest-free plan. As long as your purchase meets the minimum requirement of RM300, you can enjoy six months of instalment payments without worrying about extra costs.

2. Easy Application Process

Applying for Flexipay is simple. All you need to do is contact Public Bank’s Customer Service at 03-2170 8000 or send an email to custsvc@publicbank.com.my within three days of making a purchase. This hassle-free process ensures that your request is processed efficiently without unnecessary delays.

3. No Disruptions to Your Credit Limit

When your Flexipay application is approved, the total amount is deducted from your credit limit. However, as you pay off each instalment, the amount you’ve repaid is restored to your available credit. This feature helps maintain your financial liquidity while enjoying the benefits of instalment payments.

4. Perfect for Budgeting

Instead of dealing with a large one-time expense, spreading your payments over six months makes budgeting easier. Whether it’s for a new laptop, a holiday booking, or an essential home upgrade, Flexipay ensures that you don’t deplete your cash reserves while still enjoying your purchase.

5. Eligibility & Conditions

The promotion is open to all Public Bank (PB) and Public Islamic Bank (PIB) Mastercard Credit Cardholders. To qualify, your transaction must be at least RM300. Keep in mind that not all purchases are eligible—cash withdrawals, online bill payments, balance transfers, and certain instalment schemes are excluded.

Things to Keep in Mind

While this promotion provides an interest-free instalment plan, there are some important aspects to consider:

• Payment Discipline: You must make the full monthly instalment payment on time. If you fail to do so, a finance charge of 15% to 18% per annum will apply to the outstanding amount.
• Late Payment Charges: If you miss a payment, you may incur late fees, which can range from 1% of the outstanding balance (minimum RM10, maximum RM100).
• No Reward Points: Unlike regular purchases, transactions converted to Flexipay will not earn you Cash MegaBonus, cashback, or reward points.
• Cancellation Terms: If you decide to cancel your Flexipay plan before completing all payments, you will need to settle the full remaining balance immediately.

Ideal for Large Purchases

If you have a big-ticket item in mind, this is an excellent opportunity to make your purchase without the usual financial burden. Whether it’s a new smartphone, furniture, or even educational expenses, the six-month tenure makes it easier to manage payments without additional financial stress.

How to Apply

To take advantage of this offer, follow these simple steps:

1. Make a purchase of RM300 or more using your PB Mastercard Credit Card.
2. Contact Public Bank via phone (03-2170 8000) or email (custsvc@publicbank.com.my) within three days of the purchase.
3. Wait for approval and enjoy 0% Flexipay for six months.

Don’t Miss Out!

This limited-time promotion is available from 27 January to 30 June 2025. If you’re planning a major purchase or want to manage your expenses smartly, this is a golden opportunity. With zero interest and flexible payments, PB Mastercard Flexipay is a great way to stay financially secure while enjoying the things you want.

Promotional/Event Details:

• Date: 27 January – 30 June 2025
• Time: All day
• Venue: Applicable for purchases made with Public Bank and Public Islamic Bank Mastercard Credit Cards