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Cards Features FlexiPay


Instantly convert your Credit Card retail outstanding balance into instalment plans at low interest rates

You can now enjoy the freedom of repaying the retail outstanding balance on your credit card in small affordable monthly payments. The big moments will matter more when you worry less about the payments.

Split your credit card retail balance into smaller instalments
Repayment tenures from 6 to 48 months
Zero documentation

Keep in mind

  • FlexiPay is available to all customers with active ADCB Credit Card(s) with a minimum retail outstanding balance of AED 500 or more.
  • Cash Advance transactions, Fees, Charges and any existing instalment product(s) EMI or outstanding balance cannot be converted to FlexiPay.
  • A foreclosure fee of AED 210 (inclusive of 5% VAT) will be applicable on early settlement of FlexiPay Plan.
Key Benefits & Features

  • Instantly convert your full or partial retail outstanding balances into smaller monthly instalments
  • Greater payment flexibility, with tenures up to 48 months
  • No documentation required
  • More savings with lower interest rates and zero processing fees.

Terms and conditions

To view FlexiPay terms and conditions, click here

Frequently Asked Questions

The FlexiPay is an instalment payment plan offered by ADCB to a Credit Cardholder to enable the payment of full or partial retail principal outstanding balance in equal monthly instalments.

Your request will be processed within one (1) working day from the day of the request received by the Bank

You can avail this facility through Personal Internet Banking, Mobile Banking App, by sending SMS “FLEXIPAY” to 2626 for a call back or by contacting the ADCB Contact Centre at 600 50 2030.

FlexiPay is applicable to all customers with active ADCB credit card(s) with a minimum retail principal outstanding balance of AED 500 or more

A minimum retail principal outstanding amount of AED 500 is required to avail FlexiPay option on your applicable Credit Card

You can choose to repay your monthly instalment amounts for 6, 12, 18, 24, 36 or 48 months.

A monthly instalment has to be paid towards FlexiPay. However, if you fail to repay your instalments for two consecutive months, the Bank will cancel FlexiPay and the entire outstanding amount under the FlexiPay will be moved to regular outstanding balance on card and shall become payable forthwith with applicable interest per month or such other rate as may be prescribed by the Bank.

You cannot amend the payment plan on an existing Credit Card FlexiPay plan. However, you can foreclose the existing plan and book a new plan, but foreclosure charges will be levied in such as case.

This facility is available for total retail principal balance on both Primary and Supplementary credit cards. However, only primary cardholders can raise a FlexiPay request.

You can choose to cancel your existing FlexiPay plan by prepaying the retail principal outstanding amount under to the Bank in one (1) lump sum payment. A foreclosure fee of UAE Dirhams two hundred and ten (AED 210, inclusive of 5% VAT) per request or such other charge as may be prescribed by the Bank from time to time shall be charged to the Cardholder in this case.

If you request for closure of the credit card before all instalments are completed on the card account, the FlexiPay amount will be debited to the credit card account as one consolidated amount and a foreclosure fee of UAE Dirhams two hundred and ten (AED 210, inclusive of 5% VAT) per request will be applicable. Thereafter the credit card will be closed, post-payment of complete outstanding on the credit card.

The FlexiPay monthly instalments together with interest and all applicable fees and charges shall be included in the Minimum Payment Due and billed in the Statement of Account. Billing shall commence from the first Statement of Account sent to you following the conversion of retail principal outstanding balance.

The Bank in the first Statement of Account sent to you following the conversion of retail principal outstanding balance (part or full) will state the amount that has been converted into FlexiPay, the amount of monthly repayment instalment payable and the pending number of instalments. Each monthly installment under FlexiPay will include amounts for the repayment of principal and interest.

Please note by availing FlexiPay the amount converted under FlexiPay will be blocked and available credit limit will reduce accordingly. As and when instalments are paid, the instalment paid amount will be part of the available limit.

Yes, you may apply more than once for FlexiPay so long as you qualifies for FlexiPay.

FlexiPay can be offered only on the retail principal outstanding balance as on the day of the request and will not be applicable to balance for which the payment has been made and/or credit received on the said card account.

If you place a FlexiPay request and subsequently makes a part or full payment of your retail principal outstanding balance, the amount specified by you at the time of application on the day of request will be converted into payment plan. Any excess payment will be adjusted against the future purchases or instalments on credit card statement of account.

Retail Principal Outstanding Balance is the sum of all unpaid retail Credit Card Transactions (billed or unbilled) on your Credit Card Account on any given day. It excludes Cash Advance transactions, Charges (if any) or outstanding principal (if any) from any existing instalment product(s) availed by the Credit Cardholder.

A flat monthly interest rate will be applicable on FlexiPay and will be levied as part of the billed monthly installment. The applicable interest rate is determined by the Bank and is subjected to change on a periodic basis. For further details, please refer the prevalent Schedule of Fees.

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In order to deliver the service you need we’d like to know more about you, so please complete this form and a member of our team will contact you personally.
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Other ways to apply

Personal Internet Banking

Personal Internet Banking

Avail your FlexiPay instantly by logging into your personal internet banking.

Apply through SMS

Apply through SMS

SMS 'FLEXIPAY' to 2626 from your registered mobile number.

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