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

0% EPP

Can I opt for the 0% EPP throughout the year at the Merchants?

No, the 0% EPP offer has a different validity date at each merchant enrolled for the EPP Program and you can avail the 0% EPP only during this period only.

Am I required to make purchases at certain merchant outlets if I want to take advantage of 0% EPP promotions?

Yes, the 0% EPP is available at select merchant outlets. Please click here to see the list of outlets & detailed EPP Offers. The transactions should be on your Najm Credit Card to enable you to take advantage of the 0% EPP facility.

Do I have to fill any forms to avail EPP facility?

No, all you need to do is call our Call Centre on 600 57 NAJM (6256) and our helpful agents there will be able to guide you through the process. Click here for more information

What is a high value purchase & is there a minimum purchase amount to avail the EPP facility?

By high value purchase, we mean any purchase that is equal to AED 1,000 or more. This is the minimum amount of purchase that needs to be made with the Najm Credit Card at select merchants to avail the 0% EPP facility. Minimum purchase amount varies for every merchant. Click here, to see the list of outlets & detailed EPP Offers.

What is the 0% Easy Payment Plan with Carrefour & how can I avail this?

0% Easy Payment Plan (EPP) payment feature on the Najm Credit Card is available at Carrefour stores and Carrefour Web store and only on electronic items through which Cardmembers be able to pay for big-ticket electronic item purchases through a 0% easy installment plan of up to 12 months. If you are a Najm Card member, you will be able to avail this facility.

Do I have a choice for the installment amounts made on 0% EPP promotions?

Currently, the 0% EPP on your purchase transaction will be converted to pre-defined monthly installments as soon as you fill the EPP Form and send it to MAF Finance.

Can I choose to pay the pending installments all together in advance?

Yes, you can choose to pay the amount charged to the EPP program in advance. Nevertheless, you would need to pay the prevailing foreclosure fee.

Can I apply for multiple payment plans at the same time?

Yes, you can have multiple numbers of transactions on 0% installments under the EPP Program provided that the transactions falls within the available credit limit on your Najm Credit Card.

How do I enroll for the 0% EPP?

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.

Will I be paying more interest for EPP facility?

No. The EPP transaction will incur 0% interest for a determined period of up to 12 months. After this period, you will be charged the prevailing interest in the event there is a balance amount after the EPP term.

How will I know that my purchase transaction has been transferred to 0% EPP Program?

There are two ways of confirming your transaction. You can either call our 24-hour Call Centre 600 57 NAJM (6256) or you will see the same in your monthly bill.

What is the 0% Easy Payment Plan & how can I avail this?

0% Easy Payment Plan (EPP) payment feature on the Najm Credit Card valid at select merchant outlets. Cardmembers are able to pay for big-ticket items purchases through a 0% Easy Payment Plan for up to 12 months.