Installment Payment Plan

Low interest rates

Starting from just 0.53% (reducing) per month

Flexible tenures

Up to 48 months

Minimum amount

Available for transactions worth AED 750 and above

Shop Freely with Installment Payment Plan

Whether you’re booking a trip, shopping or managing your finances, our Installment Payment plans are designed to give you control and convenience with affordable monthly installment up to 48 months.

Disclaimer:

Monthly Installments are calculated using an illustrative Installment Amount of AED 10,000, effective interest rate of 0.89% per month (reducing balance) and 0% Processing fees for 12 months tenure.
Actual Interest rates vary by tenor 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.

To know the effective rate, please click here.

Installment Calculator

Monthly Installment payable

AED

Apply now through

Log in to the ENBD X App
Select your Credit Card from the dashboard
Click on Installment Payment Plan under Services
Select the Transaction and Repayment Period

Log in to Online Banking
Select your Credit Card from the dashboard
Click on Installment Payment Plan under services
Select the Transaction and Repayment Period

Not registered for Online Banking? Register now

You can request for a regular Installment Payment Plan here.

If your purchase has been made with one of our participating merchants, you can request for a 0% interest Instalment Payment Plan here.

SMS IPP to 4456

Apply for Installment Payment Plan on ENBD X App

Choose from our flexible financial options:

Balance Conversion

Convert your current retail outstanding balance into affordable monthly installments.

Loan on Card within credit limit

Get quick access to cash with your Emirates NBD Credit Card—no paperwork, no hassle.

Balance Transfer

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

Loan Beyond Credit Limit

Take advantage of additional cash above your Credit Card limit

What are people asking?

What is an Installment Payment Plan (IPP)?

An Installment Payment Plan allows you to split your retail purchases into affordable monthly installments. It’s a smart way to manage your spending and enjoy the things you love - now.

Who can apply for an Installment Payment Plan on my Credit Card?

All Primary Emirates NBD credit cardholders can enjoy this feature.

Purchases on supplementary cards can be converted to Installment Plans too - but only the primary card holder can request it.

How can I benefit from an Installment Payment Plan?

An Installment Payment Plan offers a flexible way to pay for purchases above AED 750 in easy monthly installments, with interest calculated on a reducing balance. You can choose to pay over 12 to 48 months.

Are there any charges that apply for an Easy Installment Plan?

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. Click here for more information

What is the interest rate for an Installment Payment Plan?

A reducing monthly interest rate will apply. The interest rates are subject to changes on periodic basis and is also based on Card usage and overall performance.

What is an Installment Payment Plan (IPP)?

An Installment Payment Plan allows you to split your retail purchases into affordable monthly installments. It’s a smart way to manage your spending and enjoy the things you love - now.

Who can apply for an Installment Payment Plan on my Credit Card?

All Primary Emirates NBD credit cardholders can enjoy this feature.

Purchases on supplementary cards can be converted to Installment Plans too - but only the primary card holder can request it.

How can I benefit from an Installment Payment Plan?

Are there any charges that apply for an Easy Installment Plan?

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. Click here for more information

What is the interest rate for an Installment Payment Plan?

A reducing monthly interest rate will apply. 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 Installment Payment Plan?

You can apply easily via ENBD X, Online Banking, Website, SMS, or Have us call you

ENBD X App

Log in to your ENBD X App
Select your Credit Card from the dashboard
Click on Installment Payment Plan Under Services
Select the Transaction and Repayment Period

Online Banking

Log in to Online Banking
Select your Credit Card from the dashboard
Click on Installment Payment Plan Under Services
Select the Transaction and Repayment Period

Website:

You can request for a regular for a regular Instalment Payment Plan here.

If your purchase has been made with one of our participating merchants, you can request for a 0% interest Instalment Payment Plan here.

Have us call you:

SMS IPP to 4456

How long will it take to process my Installment Payment Plan?

Your Installment Payment Plan will be processed instantly and will reflect on your card statements after that.

What are the tenure options for an Installment Payment Plan?

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

Is there a minimum amount I need to spend on my Credit Card to apply for an Installment Payment Plan?

A retail transaction amount of AED750 is required to avail our Installment Payment Plan option on your applicable Credit Card.

Can supplementary cardholders apply for an Installment Payment Plan?

Spends on supplementary cards are eligible for Installment Plans, but only Primary Card holders can raise an IPP request.

What happens if I am unable to repay an installment?

If you miss the monthly payments, the plan will be foreclosed and the full outstanding including foreclosure fees will become due. Regular finance charges will then apply.

Can I cancel my existing Installment Payment Plan and will I be charged?

Yes, you can cancel an existing installment plan by calling us on 600 54 0000. A foreclosure fee of 1% of the principal outstanding plus 5% VAT will apply.

Are there any early settlement charges?

Yes, a foreclosure fee of 1% of the principal outstanding plus 5% VAT will be applicable.

How do I cancel my installment plan and what will happen if I prepay the amount I owe?

You need to call our contact centre on 600 54 0000 to cancel the plan. Once you call and prepay the amount, a foreclosure fee of 1% of the principal outstanding plus 5% VAT will be applied and your plan will be closed.

If you prepay the amount without calling the contact centre to cancel the plan, plan will remain active and will incur interest.

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

Active installment plans must be foreclosed first and then your credit card cancellation request can be processed. Foreclosure fees will apply.

Do I lose reward points when I convert my transactions to installment plans?

No, you won’t lose any reward points when you convert your transactions to installment plans with interest.

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

Your transaction will be eligible if your purchase was made at one of our participating merchants. Click here to know more.

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