Participating Banks: Public Bank, Alliance Bank, HSBC and Standard Chartered Bank

Participating Outlets: Kuchai Lama Branch, Petaling Jaya Branch, IOI City Mall Putrajaya Branch only

Installment Plans:

6 Months and 12 Months 0% Interest Installment Plan

1. Minimum Transaction Amount:

-6 Months Plan: RM500 and above.

-12 Months Plan: RM1000 and above.

2. Eligibility: 

This plan is available for all credit card holders of the participating banks who are in good standing and have no outstanding overdue balances. Approval of the installment plan is subject to the discretion of the issuing bank. Vsmash is not responsible for any rejections by the banks.

3. Interest Rate: 

0% interest rate applies for the entire installment period.

4. Processing Fee: 

There is no processing fee for this installment plan.

5. Payment Terms:

The total transaction amount will be divided equally across the chosen installment period (6 or 12 months).Each installment will be charged to the credit card account on the billing date.The cardholder must ensure sufficient credit limit to cover the installment amount each month.

6. Non-Transferable

The installment plan is non-transferable and cannot be combined with any other promotions or offers.

7. Default:

Failure to pay the monthly installment on time will result in the outstanding balance being subject to the cardholder’s standard credit card interest rate. In the event of default, the bank reserves the right to terminate the installment plan and charge the remaining balance to the cardholder’s account immediately.

8. Dispute: 

Any disputes on the transactions must be resolved directly with the merchant within 7 days from the transaction date.

9. Applicable Products:

The installment plan is applicable to most products offered by Vsmash. However, specific products, such as shuttlecocks and selected items on sale, are excluded from this installment plan.

10. Modification of Terms: 

Vsmash reserves the right to modify these terms and conditions at any time with prior notice to the cardholder.