CelcomDigi SPayLater 0% Instalment Smartphone Offer
CelcomDigi SPayLater 0% Instalment Smartphone Offer is a limited-time promotional financing option introduced by Malaysian telecommunications provider CelcomDigi in partnership with the buy-now-pay-later (BNPL) platform SPayLater. The offer enables customers to purchase a range of newly released smartphones without paying the full price upfront, spreading the cost over interest-free monthly instalments. This solves the problem of high upfront costs for consumers who want to upgrade to the latest devices but prefer manageable monthly payments.
Key Facts
| Attribute | Value |
|---|---|
| Partnership | CelcomDigi and SPayLater |
| Interest Rate | 0% (zero percent) throughout the instalment period |
| Available Instalment Tenures | 6, 12, 24 months |
| Eligible Devices | Selected smartphones from brands such as Samsung, Apple, Oppo, and Vivo |
| Minimum Transaction Amount | RM 1,000 (Malaysian Ringgit) |
| Promotion End Date | December 31, 2026, or while stocks last |
| Application Channel | CelcomDigi retail stores, official website, and SPayLater mobile app |
| Credit Approval Required | Yes – subject to SPayLater credit assessment |
How Does the CelcomDigi SPayLater 0% Instalment Offer Work?
The offer allows customers to select an eligible smartphone at a CelcomDigi store or online, and choose to pay using the SPayLater instalment option at checkout. Once the SPayLater account is approved, the total purchase amount is split into equal monthly payments over 6, 12, or 24 months without any interest or processing fees.
According to the Lowyat.net report, CelcomDigi CEO Datuk Idham Nawawi stated:
Lowyat.net, “CelcomDigi SPayLater 0% Instalment Smartphone Offer,” 2026“We are delighted to partner with SPayLater to provide our customers with a flexible, zero-cost instalment solution that makes owning the latest smartphones more accessible.”The 0% rate is fixed for the entire tenure, and there are no hidden charges, provided the monthly instalment is paid on time. Late payments may incur standard SPayLater late fees.
The CelcomDigi SPayLater 0% instalment plan offers a fixed 0% annual percentage rate (APR) for up to 24 months, with no upfront payment required for credit-approved customers.
Who Is This Offer For?
This offer targets existing and new CelcomDigi customers who want to acquire a new smartphone without the burden of a large one-time payment. It is particularly suited for budget-conscious individuals, young professionals, and students who prefer predictable monthly payments and already have an active SPayLater account or are willing to apply for one.
Customers can combine the instalment plan with any existing CelcomDigi postpaid or prepaid plan. The promotion is also open to non-CelcomDigi subscribers who sign up for a new line during the same purchase. The typical use case involves a buyer selecting a smartphone worth RM 3,000, choosing a 24-month plan, and paying exactly RM 125 per month with zero interest.
Eligible buyers with a valid SPayLater credit limit and a minimum transaction of RM 1,000 can finance any supported smartphone without incurring interest charges.
Common Questions
How do I apply for the CelcomDigi SPayLater instalment plan?
You must first have an active SPayLater account. At checkout, select SPayLater as your payment method, choose your preferred instalment tenure (6, 12, or 24 months), and complete the credit assessment. Approval is usually instant if you meet the SPayLater criteria.
Can I use my existing CelcomDigi plan with this offer?
Yes. The instalment option is independent of your mobile plan. You can purchase a device on 0% instalment while keeping your current CelcomDigi postpaid or prepaid plan active. No plan change is required.
What happens if I miss a payment?
Late payments on the SPayLater instalment will incur standard late fees as per SPayLater’s terms. Additionally, the 0% promotional rate may be revoked, and interest could apply retroactively. It is essential to set up automatic payments to avoid penalties.
Sources and Methodology
This article is based primarily on the Lowyat.net post titled “CelcomDigi SPayLater 0% Instalment Smartphone Offer” published in 2026. Additional details regarding instalment tenures and device eligibility were cross-referenced with CelcomDigi’s official website and SPayLater’s terms and conditions. All monetary values are in Malaysian Ringgit (RM). This article was last updated on March 15, 2026.