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You must be more than 18 years old and have:
An active UAE mobile number
An Emirates ID
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Proof of income
A minimum salary of AED 5,000
Shopping just got easier with Emirates NBD Credit Card Balance Conversion facility. Put your financial worries at ease by converting your Credit Card Outstanding into easy monthly installments.
Instant Conversion
Up to 100% of your Credit Card outstanding
Easy EMIs
Convenience of up to 48 months tenor
Hassle-Free
No documentation
Earn Rewards
Continue to earn points on purchases
Disclaimer:
Monthly Installments are calculated using an illustrative Installment Amount of AED 10,000, flat interest rate of 0.49% p.m. and 0% Processing fees for 48 months tenure.
Actual Installment details applicable may vary and are subject to the bank’s policy. Kindly Log in to your Mobile App or Online Banking to check the eligible transactions, applicable interest rate and processing fees.
Processing Fees will be charged as part of first monthly Installment.
Apply Now in
4 Easy Steps
Login to your Emirates NBD app
Select your Credit Card on the dashboard
Click on Balance Conversion
Select Amount and Repayment Period
In case of Early Settlement of Balance Conversion, cancellation fee of 1% of Principal outstanding plus 5% VAT will be applicable. Should you require any further clarification or for pre-closures , please call us on 600 54 0000 or +971 600 54 0000 for International. Click here for Terms and conditions
Login to your Online Banking
Go to My Finances > Cards and select your Credit Card
Click on Balance Conversion
Select Amount and Repayment Period
Login to Online Banking
Convert your Credit Card Outstanding into easy monthly installments
Aren't on Online Banking yet? Click here to register
In case of Early Settlement of Balance Conversion, cancellation fee of 1% of Principal outstanding plus 5% VAT will be applicable. Should you require any further clarification or for pre-closures , please call us on 600 54 0000 or +971 600 54 0000 for International. Click here for Terms and conditions
Steps for Push Notification:
Click on the Balcon link received via SMS or Push Notification on Mobile App
Select Amount and Repayment Period
In case of Early Settlement of Balance Conversion, cancellation fee of 1% of Principal outstanding plus 5% VAT will be applicable. Should you require any further clarification or for pre-closures , please call us on 600 54 0000 or +971 600 54 0000 for International. Click here for Terms and conditions
SMS Balcon to 4456
In case of Early Settlement of Balance Conversion, cancellation fee of 1% of Principal outstanding plus 5% VAT will be applicable. Should you require any further clarification or for pre-closures , please call us on 600 54 0000 or +971 600 54 0000 for International. Click here for Terms and conditions
What are people asking?
Balance Conversion (BalCon) is a program that allows you to repay your Credit Card statement retail outstanding balance as installment payment plans.
Balance Conversion is open to all Emirates NBD Credit Card Primary holders with a minimum retail outstanding balance of AED 1000.
Any applicable fees on the 'Balance Conversion' facility is determined by Emirates NBD and will be charged on the plan. Fees are subject to changes on periodic basis. Please click here for more information.
You can avail this facility through our digital channels using 4 simple steps:
Online Banking:
Online Banking:
Upon request, your Balance Conversion will be processed & reflected instantly on your Credit Card statement.
Balance Conversion (BalCon) is a program that allows you to repay your Credit Card statement retail outstanding balance as installment payment plans.
Balance Conversion is open to all Emirates NBD Credit Card Primary holders with a minimum retail outstanding balance of AED 1000.
Any applicable fees on the 'Balance Conversion' facility is determined by Emirates NBD and will be charged on the plan. Fees are subject to changes on periodic basis. Please click here for more information.
You can avail this facility through our digital channels using 4 simple steps:
Online Banking:
Online Banking:
Upon request, your Balance Conversion will be processed & reflected instantly on your Credit Card statement.
You can choose to repay your Installment amounts for 12, 18, 24, 36, or 48 months.
A retail transaction amount of AED1000 is required to avail our balance conversion option on your applicable Credit Card.
A monthly installment has to be paid towards your Balance Conversion. However, if you fail to repay your installments for two consecutive months, your plan will automatically be foreclosed. Your entire outstanding balance from the Balance Conversion amount will immediately be due for payment in full. The remaining outstanding balance will then attract our regular finance charges.
You can choose to amend your Balance Conversion plan. However, a foreclosure fee of 1% of the principal outstanding plus a 5% VAT will be applicable, and your remaining outstanding can be re-booked for the new plan you wish to select.
Balance Conversion is a flexible payment plan that allows you to repay your Credit Card outstanding balance in equal monthly installments at a flat interest rate. You can choose to repay the amounts from 12 to 48 monthly installment plans.
Balance Conversion interest is a flat monthly interest rate determined by Emirates NBD and shall be charged on the conversion. The interest rates are subject to changes on periodic basis and is also based on Card usage and overall performance.
This facility is available for transactions done on both Primary and Supplementary Cards. However, only Primary Cardholders can raise a balance conversion request.
You can choose to prepay or foreclose your existing Balance Conversion by contacting or call center on 600540000. A foreclosure fee of 1% of the principal outstanding plus a 5% VAT, will be applicable.
Yes on early settlement, a foreclosure fee of 1% of the principal outstanding plus 5% VAT, will be applicable for each plan.
Your Balance Conversion plan will remain active. If the prepayment is done with an intention to cancel the plan, you are required to contact our call center at 600 54 0000 and request for a cancellation. Upon cancellation, the prepayment will be adjusted towards the Balance Conversion outstanding and a foreclosure fee of 1% of the principal outstanding plus 5% VAT will be applied.
When your Credit Card cancellation is processed, all active plans on the Card will automatically be closed, a foreclosure fee and remaining outstanding balance will be due for payment in full.
No, you will not lose any reward points on your converted transactions.
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