The RHB PayLater service enables Instalment Payment Plan (IPP) via RHB Debit Card when used to make purchases based on instalment tenure chosen within your eligible limit.

RHB PayLater splits your purchase amount into smaller, manageable payments over a specified period.

Customers with an active Current/Savings account with a RHB Debit Card and good credit standing with RHB are eligible.

RHB PayLater can be used at any iTworld stores or GLOO Hyperstore Queensbay Mall.

You can sign up by visiting any RHB branch.

Repayment/ payment terms can range from 3 and 6 months, depending on the minimum purchase amount and selected plan. The plan may vary by merchant.

You are entitled to 0% IPP rate when IPP transaction is made at any iTworld stores or GLOO Hyperstore Queensbay Mall.

Minimum Transaction Amount

• 3 months: RM250

• 6 months: RM500

Missed payments may result in a Finance/ Profit Charge and a Late Payment Charge. In the event you miss up to three (3) monthly instalment payments for a IPP purchase, your RHB PayLater account will be suspended, and you will be unable to use it for the subsequent IPP transaction(s) until all the missed payments are fully settled.

Yes, early settlement is allowed without any early settlement fee.

You can view all RHB PayLater transactions and payment schedules through your e-Statement.

Yes, you can have multiple IPP transactions active at the same time, subject to your credit limit and eligibility.

Timely payments on RHB PayLater accounts typically have no negative impact. However, missed or late payments could affect your credit score, as the facility is reported in your CCRIS report.

Yes, Auto Standing Instruction (ASI) will be generated three (3) calendar days before payment due date to your RHB Current / Savings account for payment deduction(s). If your RHB Debit Card is linked to more than one RHB Current / Savings account, ASI will deduct payment from the primary default account.

If there are issues with your purchase, contact the merchant directly. For payment-related issues, please contact RHB Customer Contact Centre at 03-9206 8118.

Currently, RHB PayLater is only available for purchases with our partner merchants within Malaysia.