Easy Payment Plans (EPP)

A new LCD television, a computer or diamond jewellery – something new and exciting always brings more smiles all around.

The Easy Payment Plan (EPP) is a payment feature on your Najm Credit Card, which lets you make these big purchases and payback in delightful small installments, so you can live the life you always wanted.

You can now convert any purchase above AED 500 into an EPP transaction with the convenience of paying back in 3, 6, 9 or 12 months.

To convert your transaction to EPP, login to Najm Online or call Najm Call Centre at 600 57 NAJM (6256). This transaction will be deferred with your choice of repayment plan. Your installments will reflect on your monthly statements.

The Easy Payment Plan also offers unique benefits like:

  • No additional annual charges
  • No credit approval
  • No lengthy documentation

Please note that effective 1 March 2018, transactions converted to 0% installment plans will not earn reward points/cashback.


To view the list of 0% EPP Merchant offers, please click here.

0% Easy Payment Plan FAQs

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