No applications. No new accounts. Pay in Instalments at check out using eligible credit cards from participating banks.
Participating Banks
Malaysia: HSBC
How It Works
Pay over time: Enjoy the flexibility of splitting qualifying purchases into fixed equal payments made over a defined period of time.
No setup required: All you need is your eligible credit card at checkout. No need for further credit approval, paperwork, or fuss.
Predictable payments: No surprises—it’s always clear what you owe and when you owe it. Simply pay through your usual credit card statement.
Availability: Participating banks provide Instalment payment plans enabled by Visa ́s payment technology. Select Visa cards and other network cards may be eligible. Contact your bank to learn more.
Frequently Asked Questions
Getting started with Instalments enabled by Visa
What is Instalments enabled by Visa?
For eligible cardholders, Instalments enabled by Visa is a simple way to pay for a qualifying purchase at participating merchants in fixed, equal Instalments made over a defined period of time using your eligible card and there is no additional line of credit, credit check or a new account. Instalments enabled by Visa is offered by participating banks and enabled by Visa’s payment technology for Visa and non-Visa cards.
If your card issuing bank offers Instalments enabled by Visa for your eligible card, and you make a qualifying purchase at participating merchants, you may be presented with an option to select an Instalment plan at checkout. The terms and conditions of your Instalment plan are set by your card issuing bank. If you select to pay using an Instalment plan and are paying with a credit card, the total purchase amount will be deducted from your available credit limit at the time of purchase. Please contact your card issuing bank or review your cardholder agreement for more information.
How do I make a purchase using Instalments enabled by Visa on my eligible card?
You can shop on our website or in-store and initiate checkout as usual. At checkout, simply enter your card information. If your card is eligible for Instalments enabled by Visa, and if your purchase is a qualifying purchase, you’ll see the available Instalment plans at checkout. Simply choose a plan, review the Instalment plan terms set by your issuing bank and once you accept them, you can complete your order. It’s that easy. Your card issuing bank will bill you in fixed equal Instalment payments over a defined period of time per the terms of the plan you selected and your cardholder agreement.
If your card or purchase is not eligible for an Instalment plan, no Instalment plan will be displayed at checkout. Note, if you select an Instalment plan through Instalments enabled by Visa, your entire purchase (including shipping and taxes) will be split into fixed equal Instalment payments over a defined period of time by your issuing bank, and if you paid using a credit card, your available credit will decrease by the total purchase amount at the time of purchase. Please contact your card issuing bank or review your cardholder agreement for more information.
What if my card is not eligible for Instalments enabled by Visa?
If your card or purchase is not eligible for an Instalment plan, no Instalment plan will be displayed at checkout.
How does Instalments enabled by Visa work on my eligible card?
Instalments enabled by Visa allows you to use your eligible card for qualifying purchases and pay over a defined period of time in fixed, equal Instalment payments. For a purchase made with Instalments enabled by Visa, you’ll be billed by your card issuing bank in fixed, equal amounts. If you miss an Instalment plan payment, your issuing bank may charge you a fee, cancel your Instalment plan, and/or charge you interest on your Instalment purchase. At checkout, you will be able to review the exact terms for an Instalment plan. Please contact your card issuing bank with any questions or review your cardholder agreement for more information.
Does Instalments enabled by Visa require a new line of credit? Is a credit check required?
No credit check is required, because making a purchase with Instalments enabled by Visa does not create an additional line of credit or increase your existing credit. Any Instalment options offered at checkout are provided by your card issuing bank, using your existing credit limit on your eligible card.
I’m using a card from a non-Visa network. Why is my non-Visa card eligible for Instalments enabled by Visa?
Visa’s payment technology enables participating banks to provide Instalment plans to their eligible cardholders with non-Visa cards. Please contact your issuing bank to see if your card is eligible for Instalments enabled by Visa.
If I use a non-Visa card to make a purchase with Instalments enabled by Visa, how will Visa use my data?
Visa will use your card information to check your eligibility with your card issuing bank and match you with eligible plans (provided by your card issuing bank), if any. Visa will then provide your selected Instalment plan to your card issuing bank for processing.
How do I qualify for Instalments enabled by Visa?
Instalments enabled by Visa are presently not available on all cards and are only offered by participating banks to their eligible cardholders on qualifying purchases. Eligibility for Instalments enabled by Visa is determined by your card issuing bank. Please contact your card issuing bank about availability of Instalments enabled by Visa and your eligibility.
Returns and Refunds
How do I return an item purchased with Instalments enabled by Visa?
Returns for purchases made with Instalments enabled by Visa follow our standard return process. Please contact your card issuing bank for details about how a refund credit will apply to your account for purchases made with Instalments enabled by Visa.
Will my Instalment plan be cancelled after I make a return?
Please contact your card issuing bank for specifics about how refunds will impact your Instalment plan. We don’t speak to exchanges here-should we?
Payments and billing
How is my payment amount calculated for Instalments enabled by Visa?
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Your card issuing bank calculates the exact payment details applicable to your Instalment plan. For example, if the Instalment plan is monthly, the monthly Instalment payment amount for your Instalment plan may be calculated by taking the total purchase amount, inclusive of taxes and shipping, and dividing it into equal monthly payments for the duration of the Instalment plan selected (e.g., 6 or /12 months). If there are fees or an annual percentage rate (APR) associated with the Instalment plan (i.e., APR or monthly Instalment fee), those amounts will be included in the monthly payment amount billed by your issuing bank, unless otherwise set forth in your cardholder agreement or the terms applicable to your Instalment plan.
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The Instalment payment amount and the total Instalment fees (if applicable) are provided on the checkout page when the Instal men t plan is displayed. You should closely review the terms of your plan, including any Instalment fees or APR, prior to completing your purchase. Once you accept the terms, you can complete your purchase.
Are there any fees or APR associated with Instalments enabled by Visa?
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Fees or APR associated with Instalments enabled by Visa are presented at check out, along with the specific plan’s additional terms and conditions set by your card issuing bank
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Billing, payment, and servicing of Instalment plans are managed through your card issuing bank. Please contact your card issuing bank or review your cardholder agreement for
more information.
Can I pay off my Instalment purchase balance early? If so, is there a penalty or fee?
You can find out how your card issuing bank applies early payments to Instalment purchases by contacting them or referring to your cardholder agreement for more information.
How does my scheduling of Instalment payments work?
Payment and servicing of your Instalment plan is through your card issuing bank. The Instalment amount due and due date will be part of your billing or account statement for your card and may be included in your minimum payment due. Please contact your card issuing bank or review your cardholder agreement for more information.
How do I talk to someone for questions regarding my Instalment plan?
For questions regarding your Instalment plan, please contact your card issuing bank.
Disclaimer: Instalments are not available on all credit cards and are only offered by certain participating financial institutions to their eligible cardholders on qualifying purchases. Contact your card issuing bank to see if you are eligible for Instalments and for more details. Learn More. Visa is a trademark of Visa Int., used under licence.