Pay your credit card dues in installments

Convert your credit card dues into easy monthly installments with our Balance Conversion Plan

Struggling to pay your credit card dues?

If you're finding it hard to pay your credit card dues, here's a plan for you. You can convert all retail outstanding amounts of AED 1,000 or more into a Balance Conversion Plan and pay in easy installments.

The plan lets you choose between 12, 18, 24, 36 or 48 equal monthly installments which will be included in your credit card statement.

You can also pay for a single big purchase in easy installments, here's how.


  • A retail outstanding of AED 1,000 or above on your Emirates NBD credit card
  • Transactions on both primary and supplementary credit cards are eligible, but only the primary cardholder can apply
  • Emirates NBD Corporate, Business, Forex and Webshopper credit cards are not eligible

Apply for a Balance Conversion Plan

Choose one of the below options to apply for a Balance Conversion Plan:


Cancelling your plan

You can cancel the plan at any time but you'll need to pay a foreclosure fee. For more details, read about our fees and charges.

Choose one of the options below to cancel your Balance Conversion Plan:


Fees and charges

There is no fee for a Balance Conversion Plan, but a nominal interest rate applies based on usage. Read more about our fees and charges.


If you fail to pay your installments for two consecutive months, your plan will be foreclosed and your entire outstanding Balance Conversion amount will immediately be due for payment in full. Any remaining outstanding balance will attract our regular finance charges. For more details, have a look at our fees and charges.

Even if you prepay the entire amount, you'll continue to pay interest towards the plan. If you want to cancel the plan, you must put in a cancellation request.

When your credit card cancellation is processed, all active plans on the card will automatically be closed. Any fees applicable including the remaining outstanding balance will be due for payment in full.

No, you'll not earn or lose any reward points when you convert to a Balance Conversion plan.