Easy Payment Plan
Shop smart with Emirates NBD Credit Card

• What is an 'Easy Installment Plan' option on my Credit Card?

  The Easy Installment Plan (IPP) facility is an option to repay any of your completed transactions on your Credit Card into fixed monthly installments.

• Who can apply for an 'Easy Installment Plan' on a Credit Card?

  This program is available for all Primary Emirates NBD Credit Card holders with any retail transaction above AED 750.

• How can I benefit from an 'Easy Installment Plan' on my Credit Card?

  IPP is a flexible payment plan that allows you to repay any transaction completed above AED750 into equal monthly installments at a flat interest rate. You can choose to repay it with timeframe options ranging from 12 to 48 months installment plans.

• Are there any charges that apply for an 'Easy Installment Plan' on my Credit Card?

  Any applicable fees on the 'IPP' 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.

• What is the applicable interest rate to avail an 'Easy Installment Plan' facility?

  IPP 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.

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• What is an 'Easy Installment Plan' option on my Credit Card?

  The Easy Installment Plan (IPP) facility is an option to repay any of your completed transactions on your Credit Card into fixed monthly installments.

• Who can apply for an 'Easy Installment Plan' on a Credit Card?

  This program is available for all Primary Emirates NBD Credit Card holders with any retail transaction above AED 750.

• How can I benefit from an 'Easy Installment Plan' on my Credit Card?

  IPP is a flexible payment plan that allows you to repay any transaction completed above AED750 into equal monthly installments at a flat interest rate. You can choose to repay it with timeframe options ranging from 12 to 48 months installment plans.

• Are there any charges that apply for an 'Easy Installment Plan' on my Credit Card?

  Any applicable fees on the 'IPP' 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.

• What is the applicable interest rate to avail an 'Easy Installment Plan' facility?

  IPP 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.

• How do I apply for an 'Easy Installment Plan' on my Credit Card?

  You can avail this facility through our digital channels using 4 simple steps:

  Online Banking:

  • Login to your Online Banking
  • Go to My Finances > Cards and select your Credit Card
  • Click on Installment Payment Plan
  • Amount and Repayment Period

  Mobile Banking:

  • Login to your Emirates NBD app
  • Select your Credit Card on the dashboard
  • Click on Installment Payment Plan
  • Amount and Repayment Period

• What is the timeframe to process an Easy Installment Plan' on my Credit Card?

  Upon request, your IPP will be processed & reflected instantly on your Credit Card statement.

• What are the tenure options available for Easy Installment Plan on a Credit Card?

  You can choose to repay your Installment amounts for 12, 18, 24, 36, or 48 months.

• Is there a minimum amount to apply for an Easy Installment Plan on my Credit Card?

  A retail transaction amount of AED750 is required to avail our easy installment plan option on your applicable Credit Card.

• Can Supplementary Cardholders apply for Easy Installment Plan facility?

  This facility is available for transactions done on both Primary & Supplementary Cards. However, only Primary Card holders can raise an IPP conversion request.

• What happens if I am unable to repay an installment while having an 'Easy Installment Plan' on my Credit Card?

  A monthly installment has to be paid towards your IPP plan. However, if you fail to repay your installments for two consecutive months, your plan will automatically be foreclosed. Your entire outstanding balance from the Installment Payment plan will immediately be due for payment in full. The remaining outstanding balance will then attract our regular finance charges.

• Can I cancel my existing 'Easy Installment Plan' on my Credit Card, and if yes, will I be charged?

  You can choose to prepay or foreclose your existing Installment Plan by contacting our call center on 600 54 0000. A foreclosure fee of 3% of the principal outstanding or AED 250 whichever is higher, plus a 5% VAT, will be applicable.

• Is there any Early Settlement Charges?

  Yes on early settlement, a foreclosure fee of 3% of the principal outstanding or AED 250 whichever is higher, plus 5% VAT, will be applicable for all plans.

• What will happen to the 'Easy Installment Plan' if I prepay the conversion amount?

  Your Easy Installment 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 Installment Plan outstanding and a foreclosure fee of 3% of the principal outstanding or AED 250 whichever is higher, plus 5% VAT will be applied.

• What happens if I close my Credit Card while an 'Easy Installment Plan' exists?

  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.

• Do I earn or lose reward points on my Card upon converting my transactions to an 'Easy Installment Plan'?

  No, you will not lose reward points on your converted transactions.

• Is my transaction eligible for a 0% Installment Payment Plan?

  Your transaction is eligible if your purchase was made with one of our participating merchants. Kindly visit www.emiratesnbd.com/en/deals/installment-plans to know about our participating merchants and if you are eligible for a 0% Installment Payment Plan.