EPP

How to Convert your online purchase into monthly installments easily

Step 1: Buy a product from istyle.iq or an iSTYLE store. The minimum purchase amount for converting to an installment plan is IQD 1000 for most banks.
Step 2: Once your order is completed, you will immediately see the complete amount being debited from your credit card.
Step 3: Once you've completed your purchase, please contact your bank using the phone number below to convert the purchase into the preferred installment plan.
Step 4: Following a span of 1-3 days (subject to your bank's policies), your bank will convert this into an installment.
Step 5: Your credit card limit will be reduced by the order amount. For example, if your card limit is IQD 10,000 and you have purchased items worth IQD 6,000, the card limit will reduce to IQD 4,000. If you convert this IQD 6000 to a 6-month installment plan, the bank will charge you IQD 1000 every month and upon payment of each EMI, your card limit will increase accordingly, till you complete the IQD 6000 payment in 6 months to the bank.
Our Partner Bank In-Store Online 3M 6M 9M 12M
ADC Bank Logo YES YES ✔ ✔ ✔ ✔
ADIB Bank Logo YES YES ✔ ✔ – –
Citibank Logo YES YES ✔ ✔ ✔ –
Dubai Islamic Bank Logo YES YES – ✔ ✔ ✔
Emirates NBD Logo YES YES – – ✔ ✔
Emirates Islamic Bank Logo YES YES ✔ ✔ ✔ ✔
FAB Logo YES YES ✔ ✔ ✔ ✔
HSBC Logo YES YES ✔ ✔ ✔ ✔
RAKBANK Logo YES YES ✔ ✔ ✔ ✔

*ADCB:
▸ One-time processing fee of IQD 50 per transaction, for 3 or 6 months applicable on 0% Installment Plan
▸ Minimum purchase IQD 1,000
▸ Call on 600 50 2030

*ADIB:
▸ No Processing Fee to convert to EPP

*CITIBANK:
▸ 1% of the transaction amount will be charged as one-time processing fee.
▸ Minimum purchase IQD 1,000
▸ Call on 04 311 4000

*Dubai Islamic Bank
▸ Minimum purchase IQD 500
▸ No Processing Fee to convert to EPP
▸ To avail, SMS ‘ZERO’ to 4224


*Emirates NBD:
▸ One-time processing fee of IQD 49 per transaction applicable on 0% Installment Plan.
▸ Minimum purchase IQD 1,000
▸ Call on 600 54 0000


*Emirates Islamic:
▸ No Processing Fee to convert to EPP
▸ 0% interest
▸ Minimum purchase IQD 500
▸ Call on 600 599995


*First Abu Dhabi Bank (FAB):
▸ One-time processing fee applicable 3 months - 1% | 6 months - 2% | 12 months - 4% of the total transaction amount.
▸ Apply for 0% EPP through FAB Mobile App or FAB Internet Banking
▸ SMS ‘EPP’ to 2121
▸ Minimum purchase IQD 500
▸ Call on 600 52 5500


*HSBC:
▸ No Processing Fee to convert to EPP


*RAKBANK
▸ RAKBANK will charge a one-time processing fees to the customer (RAKBANK Credit Cardholder) at the time of booking however the equated monthly instalment (EMI) will remain 0% interest throughout the desire tenure
▸ Processing Fees: 3 months: AED 49 | 6 months: IQD 49 | 9 months: 1.5% of the total transaction amount | 12 months: 2.0% of the total transaction amount
▸ Please note that 0% EPP program is valid to all RAKBANK Credit Cardholders except on RAKislamic Credit Cardholders, this limitation is based on “Sharia Law”. Distinguishing factor on the Credit Card is the word “RAKislamic or AMAL” along with the Arabic logo embossed in the Card.
▸ Minimum purchase IQD 1,000
▸ Call on 042 13 0000


Benefits of iSTYLE’s 0% Installment Payment Plan

The 0% installment payment plan offers several benefits, including:
✓ Affordability: The 0% installment payment plan makes it more affordable to purchase an Apple product. You can spread the cost of the product over several months, making it easier to fit into your budget.
✓ Flexibility: The 0% installment payment plan offers flexibility. You can choose the length of the payment plan that best suits your needs, for example if you would like to split your payment for your new iPhone, you could do so in 3 months, 6 months or even 12 months.
✓ No interest: The 0% installment payment plan does not incur any interest. This means that you will not pay any extra money for the product over time.

How to Qualify for iSTYLE’s 0% Installment Payment Plan:

To qualify for iSTYLE’s 0% installment payment plan, you must meet the following requirements:

✓ Be at least 18 years old
✓ Be a resident of the UAE and have a valid emirates ID.
✓ Have an eligible credit card with one of the above banks
✓ Have a sufficient limit on the eligible credit card