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Pay small on big purchases with Easy Pay

REPLY TO 3133
Ae easy pay masthead
Ae easy pay masthead

Pay small on big purchases with Easy Pay

Easy Pay is one SMS away.

We let you choose the way you pay, so you don’t worry about the way you spend. Convert any transaction of AED 1,000 and above into Easy Pay instalments, all via a single SMS reply to 3133.

Terms and Conditions
  • The amount equivalent to the Easy Pay Instalment booking will be blocked in the Credit Card. For every monthly instalment paid, the equivalent amount will be automatically released to the Credit card available amount
  • All other outstanding amount on your credit card shall continue to accrue interest at the prevailing interest rate
  • Processing time for the loan is approximately 2 to 3 working days
  • The Bank may, in its sole and absolute discretion and without notice, withdraw or revise this Easy Pay (“Easy Pay”)
  • Easy Pay will be made available at the sole and absolute discretion of the Bank to selected credit card members.
  • Loan shall be repayable in equal monthly installments (“Equal Monthly Instalments”) in accordance with the duration provided by the Bank (the “Duration”).
  • The EMI will be included in your monthly credit card statement of account as the “minimum amount due”. In the event that you fail to make payment of this “minimum amount due”, you credit card shall be charged with interest on the unpaid balance at the applicable rate in accordance with the Credit Card Terms and Conditions.
  • If the credit card account is closed by you or the Bank before all EMI have been charged, then all of the future EMI shall be accelerated and debited to the final Credit Card Statement of Account as one figure.
  • Easy Pay will not be processed in case the retail balance is less than the amount for booking at the time of processing the Easy Pay.
  • Failure to make your EMI payment, the Bank is entitled to accelerate all future Equal Monthly Instalments and forthwith debit the Credit Card statement of account
  • In the case you decide to pre-close your Easy Pay, a charge of 2% to 5% of outstanding principal amount will be levied subject to a minimum charge of AED 300
  • These terms and conditions are in addition to and supplementary to the terms and conditions applicable to all Credit Card accounts as contained in the Credit Card Terms and Conditions.
  • Initial interest will be featured in the following statement and Equal Monthly Instalments (EMI) will be paid from the next month’s billing cycle. (Interest Based)
  • A onetime processing fee will be charged for Fee based EPP plans
  • See Credit Card Terms and Conditions here.
  • In the event that the Easy Payment Plan has been processed, however the transaction has been reversed or not sent for settlement by the merchant, the Easy Payment Plan can be cancelled without any fees and charges