Credit Card Installment Plans - Easy Monthly Payments

Easy & Flexible Credit Card Installments is one click away on the ENBD X App.

Convenient Credit Card Solutions that allow you to spread the cost of your purchases, avail instant cash and much more.

Low interest rates

Starting from just 0.53% reducing per month

Convenient tenures

Choose from tenures up to 48 months

Tailored installment plans

Get flexible installment options from instant cash access to easy balance conversion.

No documentation

Instant and hassle-free process with no paperwork

Choose from our flexible financial options

Balance Conversion

Convert your current retail outstanding balance into affordable monthly installments.

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Installment Payment Plan

Turn all your purchases into easy monthly installments (EMIs). Perfect for big purchases, travel expenses and more.

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Balance Transfer

Transfer your Credit Card balance from other Banks to your Emirates NBD Credit Card and enjoy lower interest and smaller monthly payments.

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Loan Beyond Credit Limit

Take advantage of additional cash above your Credit Card limit

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What are people asking?

How long will it take to process my instalment request?

Your request will be processed instantly and reflect from the second credit card statement onwards.

The principal amount and the accrued interest until the second card statement date will be included in the subsequent instalments starting from the second card statement

How long do I have to repay the amount I convert to an installment plan?

You can choose to pay back over 12, 18, 24, 36 or 48 months.

What happens if I miss a monthly installment?

If you miss a monthly payment, your installment plan will automatically be foreclosed. The full outstanding balance will be due immediately including foreclosure fees, and regular finance charges will apply to the remaining amount.

Can I cancel my Installment Plan, and will I be charged?

Yes, you can cancel at any time. A foreclosure fee of 1% of the principal outstanding and 5% VAT, will apply. To cancel, call us on 600 54 0000 (UAE) or +971 600 54 0000 internationally.

Are there any early settlement charges?

Yes, if you settle the Installment Plan early, a foreclosure fee of 1% of the principal outstanding plus 5% VAT, will apply.

How long will it take to process my instalment request?

Your request will be processed instantly and reflect from the second credit card statement onwards.

The principal amount and the accrued interest until the second card statement date will be included in the subsequent instalments starting from the second card statement

How long do I have to repay the amount I convert to an installment plan?

You can choose to pay back over 12, 18, 24, 36 or 48 months.

What happens if I miss a monthly installment?

Can I cancel my Installment Plan, and will I be charged?

Yes, you can cancel at any time. A foreclosure fee of 1% of the principal outstanding and 5% VAT, will apply. To cancel, call us on 600 54 0000 (UAE) or +971 600 54 0000 internationally.

Are there any early settlement charges?

Yes, if you settle the Installment Plan early, a foreclosure fee of 1% of the principal outstanding plus 5% VAT, will apply.

Can I change the tenure on an existing installment plan?

No, but you can foreclose your plan by paying a foreclosure fee of 1% of the principal outstanding plus 5% VAT, then rebook the remaining balance into a new plan.

What is the interest rate for an installment plan?

A reducing monthly interest rate determined by Emirates NBD and charged on the principal amount, will apply. The interest rate is subject to change and is also based on Card usage and overall performance.

What happens to the Installment Plan if I prepay what I owe?

Even if you prepay the full amount, your plan will remain active until you request cancellation by calling us on 600 54 0000 (UAE) or +971600540000 internationally. Once you call and cancel, a foreclosure fee of 1% of the principal outstanding and 5% VAT, will apply.

What happens if I close my Credit Card while I have an installment plan?

All active installment plans must be foreclosed before a Credit Card cancellation request can be processed. Foreclosure fees will apply.

When is my first installment amount billed?

The first instalment will reflect on the second card statement post booking.

The principal amount and the accrued interest up to the second card statement date will be included in the subsequent instalments starting from the second card statement

Card Rewards

Enjoy great benefits and rewards with Emirates NBD Cards

Security

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