Upgrading to a new smartphone can be expensive, especially when the purchase is combined with the monthly cost of a postpaid plan. CelcomDigi is attempting to make that initial commitment more manageable through a limited-time partnership with SPayLater, allowing eligible customers to divide qualifying Pakej MegaJimat smartphone costs across six months without the usual instalment fee.
The promotion runs from 15 July until 31 December 2026 and is available exclusively through the CelcomDigi Online Store. Customers must purchase an eligible device bundle under Pakej MegaJimat and complete the transaction using SPayLater through ShopeePay.
The offer does not reduce the actual price of the smartphone. Instead, it spreads the eligible amount into six equal monthly repayments while removing the standard financing fee normally attached to a six-month SPayLater plan.
What the 0% Promotion Actually Covers
Under SPayLater's standard structure, instalment plans of three, six or 12 months may carry a fee of 1.5% per month, depending on the transaction and platform. For this particular CelcomDigi campaign, that charge does not apply to the six-month repayment option.
This means a qualifying RM1,200 amount would be divided into six payments of RM200 rather than being increased by monthly instalment charges.
The important word is qualifying. Customers must follow the exact campaign process and select the six-month SPayLater option during checkout. Choosing another repayment period or payment method may not receive the same promotional treatment.
The 0% offer should also not be confused with a smartphone giveaway. The customer remains responsible for the full device-related amount, together with the separate monthly commitment attached to the selected CelcomDigi postpaid plan.
The Promotion Is Limited to Pakej MegaJimat
The campaign applies only to devices purchased through Pakej MegaJimat, CelcomDigi's subsidised device programme.
Pakej MegaJimat offers selected phones either free or below their normal retail price when customers sign up for an eligible CelcomDigi Postpaid 5G plan with a 12- or 24-month contractual commitment. The eligible 2026 plans are CelcomDigi Postpaid 5G 80, 100, 120 and 140.
Their monthly commitments are:
The plans differ in data allowance and other benefits. Postpaid 5G 80 currently provides 600GB of 5G and 4G data, while the higher eligible plans offer unlimited data under their stated terms.
Customers should therefore evaluate the total contract cost rather than choosing a more expensive monthly plan solely because it makes a particular phone appear cheaper.
The RM400 Requirement Can Be Easily Misunderstood
CelcomDigi states that eligible bundles must carry a minimum RM400 total upfront amount, calculated from the device price together with any applicable device upfront payment.
However, this does not necessarily mean customers must pay RM400 immediately on the day of purchase.
Under the SPayLater promotion, the device price and applicable upfront amount are divided equally across the six monthly instalments. CelcomDigi's campaign FAQ specifically states that no separate upfront payment is required at checkout when the qualifying amount is placed under the six-month SPayLater arrangement.
In other words, RM400 is the minimum eligible transaction amount for the promotion, not necessarily an immediate cash payment at the start.
This arrangement may help customers who can afford the phone over several months but do not want to commit a larger amount at once.
How Customers Access the Offer
The promotion is available only through CelcomDigi's website and cannot simply be requested through every retail outlet.
The process involves selecting an eligible smartphone, choosing Pakej MegaJimat as the purchase method and then selecting e-Wallet followed by ShopeePay during checkout. The customer scans the displayed QR code, completes the payment process inside the Shopee application and chooses the six-month SPayLater plan.
A customer must also have an active Shopee account and be approved for SPayLater. Existing access to SPayLater does not necessarily guarantee that every transaction or amount will be approved, as the final credit assessment is determined by SPayLater.
This means someone may qualify for the CelcomDigi postpaid contract but still be unable to use the promotional financing option if the SPayLater transaction is declined or the available limit is insufficient.
The Postpaid Contract and SPayLater Instalments Are Separate Commitments
One detail customers should understand is that two different obligations may be created at the same time.
The first is the six-month SPayLater repayment for the eligible device amount. The second is the longer Pakej MegaJimat contract attached to the CelcomDigi postpaid service.
Paying off SPayLater after six months does not automatically end the telco contract. The customer must continue paying the monthly postpaid commitment for the remainder of the agreed 12- or 24-month tenure.
Similarly, terminating the mobile plan early may result in an early-termination charge under Pakej MegaJimat's normal terms.
A smartphone that appears affordable at checkout may therefore represent a much larger total commitment when the postpaid payments across the full contract are included.
A Useful Option for Customers Who Already Need the Plan
The promotion makes the most sense for someone who already intends to subscribe to one of the eligible CelcomDigi plans.
For example, a customer who genuinely needs an RM100 or RM120 postpaid plan may benefit from obtaining a discounted smartphone while spreading the eligible device amount without the normal six-month instalment charge.
It becomes less attractive when someone upgrades to a more expensive plan purely to qualify for a device deal.
A RM40 difference in monthly commitment becomes RM480 over 12 months or RM960 over 24 months. That additional service cost may exceed the savings provided by the smartphone promotion.
The best comparison should therefore include:
Total device instalments + total postpaid commitments + any activation or related charges.
Looking only at the monthly SPayLater amount can make the overall purchase appear cheaper than it really is.
0% Does Not Remove the Need for Responsible Repayment
The waived instalment fee can provide genuine savings, but it does not remove the responsibility to pay each bill on time.
SPayLater manages the repayment schedule through the Shopee platform. Its general service information states that overdue accounts may face a flat RM10 late fee, while billing and payment reminders are provided through the platform.
Missing a payment may also affect the customer's ability to continue using the service.
Before choosing the offer, buyers should confirm that all six instalments fit comfortably within their budget alongside the monthly CelcomDigi bill and their other financial commitments.
A 0% plan is helpful when it improves cash flow. It becomes problematic when it encourages a purchase that would otherwise be unaffordable.
Why CelcomDigi Is Combining Device Plans with BNPL
Smartphone prices have increased significantly, while consumers increasingly expect flexible payment options at checkout.
Traditional telco arrangements usually reduce the upfront phone price in exchange for a longer service contract. BNPL adds another layer by dividing the remaining device-related amount into smaller payments.
For CelcomDigi, the partnership can make Pakej MegaJimat more attractive to customers who hesitate when they see a large upfront figure. For SPayLater, the collaboration expands its use beyond ordinary online shopping into telecommunications and smartphone ownership.
The approach also allows CelcomDigi to offer short-term payment flexibility without building a completely separate six-month financing system of its own.
The Offer Is Different from Easy360
CelcomDigi also operates Easy360, but it serves a somewhat different purpose.
Easy360 is a longer device-ownership programme offering eligible flagship smartphones through 24- or 36-month instalments, with zero upfront payment under qualifying conditions. It is available on selected higher-tier CelcomDigi postpaid plans.
Pakej MegaJimat, by comparison, focuses more heavily on free or discounted phones bundled with 12- or 24-month postpaid contracts. The SPayLater campaign then spreads the eligible upfront or device amount across six months.
Customers comparing the two should consider whether they prefer a short six-month external repayment or a longer device arrangement incorporated into their telco commitment.
The lowest monthly figure is not always the lowest overall cost.
Qualifying Purchases May Also Enter Mega Gegar 20 Juta
Eligible transactions made during the relevant period may also qualify customers for CelcomDigi's Mega Gegar 20 Juta campaign.
The nationwide customer-appreciation campaign runs from 23 July to 30 September 2026 and offers prizes and promotions valued collectively at up to RM20 million.
The grand-prize categories include a Smart AI Home Makeover, a Proton e.MAS 7, international and Malaysian travel packages and access to selected live concerts. Other prizes include devices, home appliances, roaming benefits, internet access and entertainment subscriptions.
However, making an eligible purchase provides an opportunity to participate rather than a guaranteed prize.
Participants must satisfy the contest rules, including age, account and transaction requirements. Potential winners may also need to respond correctly and within a specified time when contacted by CelcomDigi.
The contest ends earlier than the SPayLater promotion. Purchases made after 30 September may still qualify for the six-month 0% instalment campaign, but not necessarily for Mega Gegar 20 Juta.
The Campaign Is Convenient but Highly Specific
The promotion's main advantage is straightforward: eligible customers can avoid the normal six-month SPayLater fee and divide the qualifying smartphone cost into manageable portions.
But the route to that benefit is narrow.
The purchase must involve:
Missing any of these conditions may cause the normal payment terms to apply instead.
Customers should review the final payment page carefully and confirm that it clearly shows the six-month plan with 0% fees before authorising the transaction.
Final Thoughts
CelcomDigi's SPayLater partnership is a useful promotion for customers who already intend to join Pakej MegaJimat and need a new smartphone.
Removing the standard six-month instalment fee can produce meaningful savings, while dividing the eligible amount may reduce the immediate burden of upgrading. The online process also keeps the purchase relatively straightforward for customers who already use ShopeePay and SPayLater.
However, the offer should be evaluated as part of the entire ownership cost.
The six-month device repayment sits alongside a CelcomDigi postpaid contract that may continue for 12 or 24 months. Customers should compare the device price, monthly plan commitment, contract duration and possible early-termination charges before deciding.
Used carefully, the promotion can make a planned smartphone purchase more manageable. Used impulsively, it can turn an attractive 0% headline into two overlapping monthly commitments that remain long after the excitement of the new phone has faded.
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