Shop Freely with Instalment Payment Plan

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

Disclaimer:

  • Monthly Instalments are calculated using an illustrative Instalment 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.
  • First instalment will reflect on the second card statement post booking and will include the instalment principal amount and accrued interest billed from the booking date till the second statement date.
  • Processing fees will be charged as part of your first card statement post booking if applicable

To know the effective rate, please click here.

Instalment Calculator

0  100000
12 months 48

Monthly Instalment payable

Apply now through

4 easy options

  • Log in to the ENBD X App
  • Select your Credit Card from the dashboard
  • Click on Instalment Payment Plan under Services
  • Select the Transaction and Repayment Period
  • Log in to  Online Banking
  • Select your Credit Card from the dashboard
  • Click on Instalment Payment Plan under services
  • Select the Transaction and Repayment Period

Not registered for Online Banking? Register now

You can request 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.

SMS IPP to 4456

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Apply for Instalment Payment Plan on ENBD X App

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Choose from our flexible financial options:

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Take advantage of additional cash above your Credit Card limit

What are people asking?

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

All Primary Emirates NBD credit cardholders can enjoy this feature.

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

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

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

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.

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

All Primary Emirates NBD credit cardholders can enjoy this feature.

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

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

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

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.

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 Instalment 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 Instalment 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

Your Instalment Payment Plan will be processed instantly and will reflect on your second Credit Card statement post booking.

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

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

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

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.

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

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

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.

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

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

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

First instalment will reflect on the second card statement post booking and will include the instalment principal amount and accrued interest billed from the booking date till the second statement date.

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