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Split your big purchases into 0% monthly instalments#IPP#invest
Turn big purchases into affordable instalments
Purchase without extra interest
Valid for purchases as low as RM500
Split your payments across a period of 6, 12, 24 and 36 months
Step 1: Check the availability of 0% IPP with merchant.
Step 2: Upon payment, select your preferred instalment tenure (6,12, 24 or 36 months).
Step 3: Enter your credit card PIN to complete your payment.
Step 1: Spend a minimum of RM500 at participating merchants.
Step 2: Upon payment, select your preferred instalment tenure (6,12, 24 or 36 months).
Step 3: Enter your credit card PIN to complete your payment.
Step 4: UOB may take approximately three (3) to eight (8) business days to process your request from the purchase date.
Step 5: Cardmembers will be notified via SMS on the approval status of the IPP purchase after the transaction is processed.
Step 6: Your first instalment will commence upon approval of the IPP transaction.
UOB 0% IPP is an instalment plan available for UOB Cardmembers who make purchases of goods and/or services from our participating
IPP merchants, facilitated by UOB credit card terminals.
Pinelabs 0% IPP is an instalment plan available for UOB Cardmembers who make purchases of goods and/or services from participating
Pinelabs IPP merchants, facilitated by Pinelabs credit card terminals. Pinelabs 0% IPP is subject to Bank’s approval.
UOB 0% IPP is a programme that allows you to convert your retail transactions into monthly instalments with no interest charges.
UOB 0% IPP is an instalment plan available for UOB Cardmembers who make purchases of goods and/or services from our participating IPP merchants, facilitated by UOB credit card terminals.
Pinelabs 0% IPP is an instalment plan available for UOB Cardmembers who make purchases of goods and/or services from participating Pinelabs IPP merchants, facilitated by Pinelabs credit card terminals. Pinelabs 0% IPP is subject to Bank’s approval.
Instalments are calculated by evenly dividing the purchase amount by the chosen instalment tenure. The remaining amount (if applicable) will be added onto the first instalment amount. Subsequent instalments will be billed progressively on a monthly basis.
The table below illustrates the payment schedule for an item purchased for RM1,200 with a 6-month tenure.
Statement Month | 0% IPP Monthly Instalment | Interest |
Month 1 | RM200 | NIL |
Month 2 | RM200 | NIL |
Month 3 | RM200 | NIL |
Month 4 | RM200 | NIL |
Month 5 | RM200 | NIL |
Month 6 | RM200 | NIL |
The available tenures are listed below. However, the option of the tenure varies for each merchant. You are advised to check with the merchant prior to your purchase.
Tenure | Minimum purchase |
3 | RM500 |
6 | RM500 |
12 | RM500 |
24 | RM500 |
36 | RM500 |
48 | RM500 |
68 | RM500 |
All UOB Credit Cards that are in good standing, except UOB Platinum Business Card, UOB Corporate Card, UOB Purchasing Card and UOB World Business Mastercard, are eligible.
No, you cannot change the tenure once you have made the purchase.
Yes, you may cancel/terminate your 0% IPP before the instalment tenure ends with no cancellation fee charged to your credit card account. However, the outstanding amount will be payable immediately.
No, you cannot change the 0% IPP monthly instalment amount as the instalment amount is calculated based on the instalment tenure that you have selected at the time of purchase.
No, UNIRinggit will not be earned under this programme.
Yes, you will still be able to enjoy 0% IPP. However, if you do not settle your monthly instalments in full, you will be liable for finance charges as defined in the Cardmember Agreement.
You may find the full merchant listing here. Alternatively, you may check with the merchant on the 0% IPP payment option.
Yes, you can use a supplementary card to make the purchase and convert it into 0% IPP. However, the Bank will charge the instalment to the principal account.
Pinelabs 0% IPP is a programme that allows you to convert your retail transactions into monthly instalments with no interest charges.
UOB 0% IPP is an instalment plan available for UOB Cardmembers who make purchases of goods and/or services from our participating IPP merchants, facilitated by UOB credit card terminals.
Pinelabs 0% IPP is an instalment plan available for UOB Cardmembers who make purchases of goods and/or services from participating Pinelabs IPP merchants, facilitated by Pinelabs credit card terminals. Pinelabs 0% IPP is subject to Bank’s approval.
Each instalment is calculated by evenly dividing the purchase amount by the chosen instalment tenure. The remaining amount (if applicable) will be added onto the first instalment amount. Subsequent instalments will be billed progressively on a monthly basis.
The table below illustrates the payment schedule for an item purchased for RM1,200 with a 6-month tenure.
Statement Month | 0% IPP Monthly Instalment | Interest |
Month 1 | RM200 | NIL |
Month 2 | RM200 | NIL |
Month 3 | RM200 | NIL |
Month 4 | RM200 | NIL |
Month 5 | RM200 | NIL |
Month 6 | RM200 | NIL |
The available tenures are listed below. However, the option of the tenure varies for each merchant. You are advised to check with the merchant prior to your purchase.
Tenure | Minimum purchase |
3 | RM500 |
6 | RM500 |
12 | RM500 |
24 | RM500 |
36 | RM500 |
48 | RM500 |
68 | RM500 |
All UOB Credit Cards that are in good standing, except UOB Platinum Business Card, UOB Corporate Card, UOB Purchasing Card and UOB World Business Mastercard, are eligible.
No, you cannot change the tenure once you have made the purchase.
Yes, you may cancel/terminate your 0% IPP before the instalment tenure ends with no cancellation fee charged to your credit card account. However, the outstanding amount will be payable immediately.
No, you cannot change the 0% IPP monthly instalment amount as the instalment amount is calculated based on the instalment tenure that you have selected at the time of purchase.
No, UNIRinggit will not be earned under this programme.
Yes, you will still be able to enjoy 0% IPP. However, if you do not settle your monthly instalments in full, you will be liable for finance charges on the said monthly instalment from the next statement month.
You may find the full merchant listing here. Alternatively, you may check with the merchant on the 0% IPP payment option.
Yes, you can use a supplementary card to make the purchase and convert it into 0% IPP. However, the Bank will charge the instalment to the principal account that is in good standing with sufficient available credit limit.
Yes, Pinelabs 0% IPP is subject to Bank's approval. If it is not approved, the full purchase/transaction amount will be charged to your credit card account, in which applicable finance charges as defined in the Cardmember Agreement will continue to apply.
UOB will take three (3) to eight (8) business days from your purchase date at the participating merchants to process the application. You will be notified by UOB (via SMS or any communication method(s) as UOB deems fit) on the approval status.
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