RHB Banking Group has introduced RHB PayLater, Malaysia’s first ‘Buy Now, Pay Later’ (BNPL) solution linked directly to debit cards, allowing customers to enjoy interest-free instalment plans with greater ease and flexibility.
By using customers’ transactional behaviour analysis as an eligibility criterion, RHB PayLater promises more inclusive access to financial services, encouraging more prudent spending.
This initiative targets over 500,000 RHB current and savings account holders who have been pre-qualified based on their account activity, including deposits, transactions, and saving patterns.
Through this approach, customers do not need to submit additional applications to access the facility.
Furthermore, those who actively use their RHB accounts may improve their eligibility and receive exclusive rewards.

“With RHB PayLater, customers can convert their purchases into instalment plans of three or six months, depending on their cash flow needs. This solution also enables RHB debit cardholders to enjoy instalment payments without the need for a credit card. What’s more, RHB PayLater has partnered with nearly 30 merchants across various industries, providing customers with access to over 1,000 business premises nationwide,”
Group CEO, Datuk Mohd Rashid Mohamad said in a statement.
This offers consumers greater choices to purchase high-value goods and services without the pressure of making a lump-sum payment.
According to Mohd Rashid, RHB PayLater is not merely a new payment method but part of the bank’s efforts to empower customers to manage their finances more wisely and responsibly.
He also emphasised that this solution is designed to provide access to a wider audience, including those without credit cards, so they can enjoy better financial flexibility.