When someone (it could be bank) offers you 0% interest loan, think twice! In Chinese (Cantonese), we like to say "where could there be frog jumping around the street?" It basically means "how could that possibly true?".
I just want to share with this very good post from @knowthymoney, check it out here. In this specific example, the interest (not really interest, that's why the bank says is 0% interest) is at least 7.5% (assuming you take RM 200, not less than that) and if you are late for the payment, it can go up to 12%. So be careful, it is not really "FREE"! :) Not frog simply jumps around. lol
This is a very common trick used by bank. They sometimes call this "Cash on Call", "Petty Cash" or whatever. It basically, means you can just pick up a phone and call them, they will give you this petty cash. They sometimes proactively call you too to offer you this service. The loan amount is usually small so you can keep using it when you need it until you don't realize how much you have used already.
By the way don't worry, although banks create this trick, they also create a solution for you. This solution is called "AKPK" - you can read up my previous post here to know more about it. I also discuss the detailed AKPK walkthrough application here in case you are interested.
Well, what else do you still need since the complete solution is out there? :) So, don't worry, be happy!