Introducing Boost PayLater

An exciting new feature that allows you to extend your bill payments & mobile top ups.


With a few simple steps, you can activate Boost PayLater and we will settle your bills or top up for you first, while you enjoy financial peace of mind with 30 additional days to pay us back!

Why Boost PayLater Is Better!

Pay Bills 30 Days Later
Zero Interest Rate
Instant Approvals With No Collaterals

How Boost PayLater works:

Boost PayLater Eligibility

To enjoy this feature, you must meet the eligibility requirements:
A Foreign Citizen with an active transaction history with Credit Card within the last 6 months.
A Malaysian Citizen with an active transaction history with Boost within the last 3 months.
Aged between 21 – 60 years old.
A Boost Premium user with Silver Sergeant or Gold General rank
If your rank is below Silver Sergeant, continue spending with Boost to rank up to enjoy this feature!

Here’s how to
activate & use Boost PayLater

How to make boost paylater repayment

Applicable billing partners:
Postpaid & Prepaid
And many more!
Frequently Asked Questions
  • Boost PayLater is a digital payment solution provided by Boost Credit (formerly known as Aspirasi) in collaboration with participating partners and/or merchants that enable you to purchase Shariah compliant goods and/or services offered by merchants and to obtain an Islamic financing facility that enable you to finance your purchases and this is made via the Boost PayLater facility available on Axiata Digital eCode Sdn Bhd’s (Company No: 201701000820 (1214970-T) (“Boost Life”) (“Merchant”) e-Wallet platform for the purchase via instalment(s) (only applicable for the services listed in Table 1).
  • Please refer to the relevant Terms and Conditions for more information on the Boost PayLater offerings.
  • Pay in 30 Days Plan

    i. Malaysian / Foreigner legally residing in Malaysia

    ii. Aged 21 – 60

    iii. Premium Boost App users (with good credit history) who may require monetary assistance to pay for services as listed in Table 1

  • You are pre-scored based on Boost Credit’s eligibility requirements which may include but it not limited to your spending trends on Boost App, spending behavior, top up method, etc. and will be notified of the eligibility status.
  • Your Boost PayLater available limit may vary from other customers and is assigned based on your profile and information available that is provided to Boost Credit.
  • While there are some basic requirements to be eligible for Boost PayLater, customers are still pre-scored based on a list of other internal conditions which may change from time to time.
  • The list of eligible customers may be refreshed on a regular basis. Hang in there! We’ll notify you when you’re eligible.
  • This product is currently not subject to any licensing or regulatory requirements.
  • Boost PayLater is based on the concept of Commodity Murabahah as approved by our Shariah advisors.
  • If you are eligible for Boost PayLater, you will be assigned with a credit limit which may vary for different customers. Please refer to the subsequent question on how the credit limit works.
  • You will be able to draw down your PayLater limit to make your payments/transactions at our accepted PayLater touchpoints.
    • PayLater may be done using Pay in 30 days which allows you to transact today, and make repayment in 30 days; or Instalment which allows you to transact today and split your payments into multiple instalments
    • The offerings and options may vary for different touchpoints/merchants/partners subject to our negotiation.
  • Thereafter, you can monitor your payments, repayment details, and all details pertaining your PayLater transaction(s) in the Boost PayLater dashboard in your Boost App.
  • You will make repayment according to the due dates of your PayLater transactions.
  • Please refer to the relevant Terms and Conditions for more information on the Boost PayLater offerings.
  • Your PayLater limit is the maximum amount that you are allowed to spend using PayLater at a point in time at our accepted PayLater touchpoints.
  • The PayLater limit is split into 2 portions: Pay in 30 days limit and Instalment limits.
    • Pay in 30 days limit is the total portion that can be utilized only using Pay in 30 days method
    • Instalment limit is the portion that can be utilized using Instalment method
    • Note: Pay in 30 days and/or Instalment option may be offered for different touchpoints and use cases subject to our offering.
  • Credit limit assigned to customers may vary for different individuals.
  • The limits are assigned based on your profile and information that we know of you and cannot be manually adjusted by request. However, the limits is subject to change from limit to time.
  • You may however make repayment for your existing PayLater contracts within the Boost App. After repaying a contract, the said limit amount will be replenished and you’ll be able to transact again.
  • Currently, Boost PayLater can be used for Bill Payments, Prepaid Telco Top up, Telco Postpaid payments within the Boost App. Refer to Table 1 in FAQ below for list of Billers and Telco Providers within Boost App that accepts PayLater.
  • Hang in there, we will be expanding our feature offerings to more touchpoints!
  • You can make repayment anytime via the Boost app on the PayLater dashboard. The repayment will be deducted from your Boost e-Wallet.
  • Alternatively, we will automatically collect the repayment due on your due date via the bank account linked during your Boost PayLater setup.
  • You should always have a sufficient sum of balance in your account for the direct debit mandate for the payment.
  • Repayment deductions will be made during working days, this excludes weekends and public holidays. You will not be charged late payment fees should your repayment date fall on any of these exclusion days.
  • The auto-debit is performed based on the bank account and account number selected by you during your Boost PayLater setup.
  • If you’re unable to remember or would like to verify that bank account details linked, lease email us at to obtain the above information.
  • The duration taken by each bank to process the auto debit may vary. Please note also that auto-deductions are made during working days, which excludes weekends and public holidays.
  • It may take a few days from your due date to process the auto-debit from your linked bank account. Don’t worry, you won’t be charged with any fees within the 5 days after your due date.
  • If your auto-debit isn’t reflected after 5 days, please contact or you can pay via the Boost PayLater Dashboard in the Boost app. Repayments will be done using your Boost Wallet.
  • You are required to make the relevant payments in accordance with the relevant Boost PayLater offering.
  • You can make payment via the Pay Now or Pay All Now features through the dashboard whereby payment will be deducted from your Boost e-Wallet or the payment will be deducted via direct debit during the payment due date.
  • You should always have a sufficient sum of balance in your account for the direct debit mandate for the payment.
  • Kindly note, during the deduction via direct debit, the Pay Now or Pay All Now features will be disabled to avoid double payments.
  • Do contact Boost Credit if you foresee difficulties in making repayments, please email Boost Credit at before the repayment due date(s) so that Boost Credit can provide the assistance you may require. Until a solution is achieved and agreed in writing by the parties, your obligation to make prompt payments on the due date(s) continues, failing which, you will incur such late payment charges accordingly.
  • Where applicable, a Sales and Services Tax (SST), stamping fee, Wakalah Fee, may be applicable.
  • Specifically for bill payments via Boost PayLater in Pay In 30 Days plan, 4% Wakalah Fee of financing amount or a minimum of RM5.00, up to RM10.00, may be applicable for services listed in Table 1.
  • Please refer to the relevant Terms and Conditions for more information on the Boost PayLater offerings.
  • Depending at which phase you are in your payment, relevant late payment charges will be charged on such outstanding amount.
  • If you are unable to meet your repayment obligations on the due date(s), you will incur the applicable late payment charges imposed accordingly on your outstanding amount. Boost Credit will commence legal action against you for the recovery of all payments due as well as the enforcement of all rights afforded to Boost Credit under the relevant Terms and Conditions and the relevant laws without further notice to you, where you shall be further liable for the costs occasioned thereof. Kindly also note that it is within our rights under the relevant Terms and Conditions to disclose all information set out to credit information organisations or other authority or body established by Bank Negara Malaysia, credit reporting agencies and any other authority having jurisdiction over Boost Credit, and it may limit your ability to obtain any loan or financing facility in the future from a commercial bank or a financial institution in Malaysia.
  • You can settle your outstanding amount by clicking on the Pay Now feature on Boost PayLater Dashboard in the Boost app.
  • No guarantor or collateral is required.

Table 1: List of Billers, Telco Providers that accept Boost PayLater

  • You can use Boost PayLater to pay your bills and telco with the following merchants on the Boost App.



Mobile Prepaid

Celcom (Xpax) Prepaid

Digi Prepaid

Maxis (Hotlink) Prepaid

MerchanTrade Prepaid

RedOne Prepaid

TuneTalk Prepaid

U Mobile Prepaid

XOX Prepaid

YES Prepaid

Mobile Postpaid

Celcom Postpaid

Digi Postpaid

RedOne Postpaid

U Mobile Postpaid

XOX Postpaid

YES Postpaid

Mobile & Internet

Unifi (Unifi Home, Unifi Mobile, Streamyx, Voice and RIBS)

TV & Radio

Astro Bill

Electricity Utility

NUR Power

Sabah Electricity

Sarawak Energy

Tenaga Nasional Berhad

Water Utility

Bekalan Air Labuan

Indah Water Konsortium

Lembaga Air Perak

Pengurusan Air Pahang Berhad

Syarikat Air Melaka

Syarikat Air Perlis

Syarikat Air Terengganu

Syarikat Bekalan Air Selangor

Air Kelantan

Syarikat Air Darul Aman

Syarikat Air Johor

Syarikat Air Negeri

Sembilan Perbadanan

Bekalan Air Pulau Pinang

Lembaga Air Kuching

Download the Boost App today for a better experience