Back to Credit Cards Features

NBF Easy Payment Plans

Easy Payment Plans

When you spend over AED 500 anywhere in the world, in-store and online - no matter what you buy, NBF Easy Payment Plans (EPP) allows you to buy now and pay later, giving you the flexibility while easing the pressure on your expenses. 

Product Features

  • Enjoy 0% interest rate and no processing fee on 3 months EPP*
  • Choose your repayment period from 3, 6 and 12 months
  • Instantly convert credit card transactions of AED 500 or above into installments through SMS
  • No enrollment or approval needed
  • Earn up to 3% cashback on all your purchases**

Instalment plans available are as follows:


amount (AED)

amount (AED)

rate (pm)


3 months





6 months




12 months




How to apply for NBF EPP instantly:

  • After making a qualified purchase of AED 500 or more with your NBF credit card, you will receive an SMS with a link to convert the transaction into EPP.
  • Click on the link in the SMS and enter the One Time Password (OTP)
  • Go over the transaction and choose an instalment period.
  • When you're finished, click submit, or
  • To convert the transaction into EPP, dial 8008623.

Terms and conditions apply
*Limited time offer only
**Depending on card type

  • The processing fee, interest or profit rate will be calculated as a percentage of the total amount of eligible purchases. When you select a plan, the actual amount will be displayed.
  • A request can be converted to EPP within 30 days of the eligible purchase transaction date.
  • Transactions amounting from AED500 to AED100,000 are eligible.
  • In case the EMI amount for a Transaction converted into EPP is unpaid. The EPP will be automatically cancelled, and the entire outstanding transaction amount will be billed to the card in the statement as a regular purchase that will attract finance charges.
  • There will be no refund of the Processing Fee in the event of cancellation.
  • In the event of an early settlement, an AED 50 Foreclosure Fee will be levied per EPP plan. If more than four plans are closed on the same day, a fee of AED 200 will be charged.
  • The NBF Easy Payment Plan is available to all Card Members who have valid NBF Credit Cards issued in the United Arab Emirates and make point-of-sale or online purchases that exceed a minimum threshold set by NBF from time to time.
  • The EPP will be available to the Card Member only after the Card Member has been informed of the interest, fees, and other applicable charges and agrees to pay them in timely instalments.
  • Once the EPP scheme has been established for the Card Member, the monthly instalment will be billed as a transaction on the Credit Card and will appear on the Credit Card statement as part of the minimum payment due amount that the Card Member must pay on or before the payment due date (as specified in the Credit Card statement).
  • The NBF Easy Payment Plan is available on cards where the outstanding balance on the Credit Card is not past due and is not in excess of the limit assigned to such Credit Card, and the Card Member is consistent in making payments on the Credit Card's outstanding balance.
  • The EPP scheme provided to Card Members is subject to all applicable laws and regulations, as well as these terms and conditions, which may be amended from time to time and are available on NBF's website.

Your browser (Internet Explorer) is outdated

For more security, speed and best experience on this site, please upgrade to a different browser like Microsoft Edge, Chrome, FireFox or Safari.