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Flexi Instalment Plan

Spread your spending with a Flexi Instalment Plan

What is a Flexi Instalment Plan?

New sofa? Laptop upgrade? A Flexi Instalment Plan is a great way to spread the cost of eligible purchases and get what you need now while paying more easily in monthly instalments.
  • Low interest rates
  • No processing fees

  • No early repayment fees

  • Repayment over 3 to 36 months
  • Exclusive offers available at 0% interest

Get a Flexi Instalment Plan

How does a Flexi Instalment Plan work?

Make your purchases with your HSBC credit card and repay them conveniently through a Flexi Instalment Plan that suits your needs. You may choose to convert a single or up to 10 transactions into a single instalment plan and repay it over up to 36 months. What’s more, there are exclusive offers available for 0% interest instalment plans.

The easiest way to convert your purchases into a Flexi Instalment Plan is through our mobile app. Just logon and follow the instructions, alternatively you can call us on one of the numbers provided, detailing the eligible purchase you made and we’ll convert the transaction for you.

Lastly, you can now convert your eligible transactions into instalments during the online check out at selected participating merchants. Just look for the prompt when shopping online with your HSBC credit card and follow the onscreen instructions.

Things you should know

We'll evaluate your application based on your financial history and current circumstances.

If you're eligible, we'll let you know how much your monthly payment will be. This will be part of your monthly minimum credit card repayment.

Each offer has a minimum purchase amount and different terms. For some offers, you'll have to call a designated number to book your purchase into a Flexi Instalment Plan.

Fixed Annual Percentage Rate - 0.00% to 29.88% on reducing balance. The interest rate offered will be dependent on your individual circumstances and the plan term.

Flexi Instalment Plan fee:

  • A fee of 2.99% of the purchase amount will apply for instalment conversions of education related purchases. No fee to apply on other instalment conversions.
  • Early settlement fee - AED 0

Flexi Instalment Plan Terms and Conditions and the Schedule of Services and Tariffs apply.

If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future.

Who can apply?

To be eligible for a Flexi Instalment plan:

  • you must have a HSBC credit card and have made a transaction that you want to convert into a Flexi Instalment Plan
  • for 0% instalment plans the transaction must be from one of our eligible merchants


You may be eligible for Flexi Instalment Plan based on the information we hold on our records and our internal policies.

Eligibility is also subject to meeting any minimum amount threshold that might be applicable on a single or multiple transaction(s).

How to apply

Through the mobile app

  1. Log on to the HSBC UAE app.
  2. Select the credit card you made the transaction(s) with.
  3. Tap 'Flexi Instalment Plan' and select 'Get started'.
  4. Select the transaction(s) you want to convert into instalments.
  5. Choose the repayment plan that works for you and select 'Confirm'.

Have us call you

You may apply by calling us, through our online banking secure message facility or by following instructions provided in any communications sent in this regard and we will call you within 24 hours.

By phone

Premier customers

Call us on 800 4320 (within UAE) or +971 4 224 1000 (outside UAE).1

Advance customers

Call us on 600554722 (within UAE) or +9714 2288007 (outside UAE).1

Personal banking customers

Call us on 600 55 4722 (within UAE) or +971 4 228 8007 (outside UAE).1

Lines are open Monday to Friday, 09:00 to 16:30. We may record calls to help improve our service to you.

1Calls may be monitored and/or recorded for security and service improvement purposes.

Frequently Asked Questions

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Enjoy no interest on purchases for the first 3 months.


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