In a whole number 零 fills one empty middle column once; after 點 every zero digit is spoken in turn (0.05 → 零點零五), since each fraction place is read on its own.
✗ 3.254 三點二百五十四 → ✓ 三點二五四
✗ 0.5 零五 → ✓ 零點五
✗ 3.254 三逗號二五四 → ✓ 三點二五四 (the separator is 點, not a comma)
English also says the digits singly after 'point', so the move transfers; the trap is importing place-values onto the fraction side or naming the dot anything but 點.