OCBC Cashflo Mastercard has redefined the credit card landscape in Malaysia with its 0% auto-installment payment plan (Auto-IPP). This plan allows cardholders to enjoy interest-free installments for up to six months on all retail spending above MYR 500. In 2023, the portfolio grew by 11%, driven by a 16% increase in cards in force and a 17% rise in total spending year-over-year. For its seamless conversion into installments, the Best credit card for installment is OCBC Cashflo Mastercard.