Pay your travel and education expenses your way

Convert eligible expenses of SAR 1,000 or more into flexible instalment plans and earn up to 30,000 plus points or SAR 150 Cashback.

offer at a glance

Get up to 30,000 Bonus Plus Points using Emirates NBD KSA credit cards once you pay your educational fees, hotels and airplane tickets and convert it into Instalment Payment Plan (IPP) with very competitive rate starting from 0%.

Eligible spend period

All qualifying transactions can be converted to an Instalment Payment Plan up to 45 days from the purchasing date

Minimum spend

SAR 1,000

Campaign period

1 October 2026 to 31 January 2027

Two ways to be rewarded

Pick the payment plan that suits you and the reward depends on the tenure and card you hold.

Plus Points on credit cards

Convert to a 6-month plan on a minimum spend of 1,000 and earn 10,000 Plus Points. Convert to a 12-month or longer plan on a minimum spend of 7,000 and earn 30,000 Plus Points.

Cashback for Mazeed cardholders

Convert to a 6-month plan on a minimum spend of 1,000 and get 50 cashback. Convert to a 12-month or longer plan on a minimum spend of 7,000 and get 150 cashback.

One-time reward per customer standard across the entire campaign, regardless of the number of cards or instalment plan booking requests. Credits within 60 days of campaign end, on or before 1 April 2027.

The numbers, at a glance

Instalment plan structure, standard rewards and Mazeed Cashback per tenure.

Tenure	Minimum transaction Amount (SAR)	Interest Rate	Processing Fees	Bonus Plus Points (Platinum/infinite)	Bonus Plus Point / cashback (Mazeed)
3 Months	1,000	0%	0	0	0
6 Months	1,000	0%	149	10,000	50
12 Months +	1,000	Competitive Rate	0	0	0
12 Months +	7,000	Competitive Rate	0	30,000	150

How to enroll

Three simple steps — spend, call, convert.

1. Spend on eligible categories

Between 1 October 2026 and 31 January 2027, spend a minimum of

1,000 (single or cumulative) on school or university tuition, airline tickets, or hotel spends using your Emirates NBD KSA credit card.

2. Call the helpline

Between 1 October 2026 and 31 January 2027, call the Emirates NBD KSA helpline at 800 754 7777 to request conversion of your qualifying seasonal transactions into an Instalment Payment Plan. (Note: September transactions must be converted within 45 days of purchase).

3. Choose your tenure & get rewarded

Choose a 3, 6, or 12+ month tenure. Rewards for 6 and 12+ month tenures are credited to your active card profile within 60 days post-campaign completion (by 1 April 2027).

Terms & conditions

Read all terms and conditions

This offer is applicable for all Emirates NBD KSA credit cardholders, excluding Rahhala and Jarir cardholders.
This offer applies to both primary and supplementary credit cards, excluding Rahhala and Jarir cardholders.
This offer does not apply to educational, airline or hotel spends made using Emirates NBD Mada cards.
The Customer shall not be eligible for the offer if the credit card is cancelled or blocked before the Bonus Points are credited.
The Instalment Plan must remain active until the Bonus Points are credited. Otherwise the customer will not be eligible to receive the Bonus Points.
The credit card must not be blocked, permanently suspended, or cancelled before the Instalment Plan execution and the Bonus Points are credited. Otherwise, the Customer shall not be eligible for the offer, at the Bank’s sole discretion.
This offer is applicable to transactions classified by Visa under:
- Educational Merchant Category Codes (MCCs), including schools, universities and educational institutions accredited locally and internationally.
- Travel Merchant Category Codes (MCCs), specifically covering airline tickets and hotel spends/lodging.
The minimum qualifying transaction amount is 1,000 or its equivalent in foreign currency.
Reversed, declined, disputed or refunded transactions are excluded from the offer.
The customer must contact the Bank’s call centre during the campaign period (1 October 2026 until 1 January 2027) to request the Instalment Plan at least two (2) business days post the transaction execution date.
September 2026 transactions will be eligible for the offer if the Instalment Plan request is submitted through the Bank’s call centre within forty-five (45) days from the transaction execution date.
The Instalment Plan tenor, applicable fees and Bonus Points shall be determined in accordance with the table below:

Tenure	Minimum transaction Amount (SAR)	Interest Rate	Processing Fees	Bonus Plus Points (Platinum/infinite)	Bonus Plus Point / cashback (Mazeed)
3 Months	1,000	0	0	0	0
6 Months	1,000	0	149	10,000	50
12 Months +	1,000	Competitive Rate	0	0	0
12 Months +	7,000	Competitive Rate	0	30,000	150

Rahhala and Jarir credit cards are excluded from Bonus Plus Point offer, however Rahhala and Jarir credit cardholders are still eligible for the instalment plan offer.
All administrative/processing fees stated are exclusive of the applicable Value Added Tax (VAT) at 15%.
Bonus Plus Points will be credited one time only per customer during the campaign period.
This offer applies to the eligible transactions individually or in aggregate during the campaign period.
Earned Bonus Points will be credited to the primary card account within sixty (60) days from the end of the campaign period and no later than 1 April 2027.
In case of early closure, the customer must settle the remaining transaction amount in full and must call our help line on 800 754 7777 to raise IPP early closure request to avoid Instalment Payment Plan profit charges continuity if applicable. A cancelation fee of 100 + VAT will be applied.

General terms and conditions:

The terms and conditions for Branch of Emirates NBD – Kingdom of Saudi Arabia (“Emirates NBD”) credit cards shall apply.
Cards that are blocked or delinquent will be excluded from the offer.
Credit cards general terms and conditions apply.
Emirates NBD reserves the right to amend these terms and conditions in accordance with the relevant laws and regulations.
Emirates NBD in its absolute discretion, reserves the right to prevent any individual from benefiting from the offer if he violates these terms and conditions or the terms of use of the product or the Bank account or attempts to tamper with the instructions and mechanism for benefiting from this offer.
These terms and conditions are subject to the laws, regulations and courts of the Kingdom of Saudi Arabia.
These terms and conditions have been drafted in both Arabic and English version and in case of any discrepancies, the Arabic version shall prevail.