EASY PAYMENT PLAN

​National Bank of Oman credit cards can now be used at all your favorite stores to get 6 or 12 months equal installments with 0% interest on the payments.

Simply shop at any of the merchants mentioned below for any item of RO 100 and above. Use your NBO credit card to make payment and ask for the instalment plan (either 6 or 12 month’s payment plan). Fill out the form and sign the same.

ShopBranch
Oman Qatar Insurance

AL Khoudh

CBD

Avenue Mall

Salalah

Al Buraimi

Amerat

Tomorrow FitnessMawalih
Al Hashar Electronic

RUWI

BOUSHAR

SALALAH

RUWI

SOHAR

SUR

Alpha The SpecialistSHATTI AL QURUM
Alpha Wellness AdvocateBAWSHER
E MAX

OASIS MALL

MUSCAT CITY CENTER

AL MEERA MALL

CENTERPOINT SOHAR

GRAND MALL BARKA

CENTERPOINT SALALAH

Extra

AL GUBRA

MAWALEH

Gem Universe LLC

AVENUE MALL

MUSCAT CC

LULU DARSAIT

LULU AL BURJ

SOHAR SOUK

RUWI 2

RUWI HIGH STREET

RUWI 4

LULU SALALAH

AL QURUM COMPLEX

SEEB SOUQ

QURUM CC

LULU IBRI

SALAAM STREET SALALAH 3

Garden Mall Salalah

BARKA GRAND MALL

LULU BARKA

SALAAM STREET SALALAH 2

SABCOO CENTER

AL KHAMIS PLAZA

THARMAD

AL FAIR, MADINAT QABOOS

AVENUE MALL

German Interior BrandMadinat Sultan Qaboos
Home Centre

Grand Mall, Nizwa

Al Khuwair

Muscat City Center

Sohar

Salalah

Joy Alukkas Jewelers

Ruwi

Muscat City Center

Sohar Souq

AVENUE MLL

Nesto

Leather & LatherAvenues Mall
Lulu Hypermarket – EPP

Darsait

Bousher

Al Seeb

Al Bandar

Wadi Al Kabir

Al Mabellah

Barka

Al Khabourah

Ibri

Nizwa

Sinaw

Al Buraimi

Sohar

Al Rustaq

Salalah

Khasab

Suwaiq

Bidaya

Malabar Gold

Avenue Mall

Ruwi 2

Ruwi High Street

Lulu Darsait

SOHAR

LULU SALALAH

AL SALAM STREET

LULU SOHAR

SEEB

RUWI NEW

LULU HYPERMARKET BARKA

SEEB CITY CENTRE

MI Store

QURUM CITY CENTRE

MUSCAT CITY CENTRE

AVENUE MALL

Muscat Eye Laser

AL SAROOJ STREET

THE WAVE

Mustafa Sultan Electronics

AL KHUWAIR

RUWI

Sharaf DG

SAFEER MALL, SOHAR

NIZWA GRAND MALL

MUSCAT GRAND MALL

Travel City LLC

LULU NIZWA

AL SAFA HOUSE, CBD

AL KHOUD

LULU DARSAIT

MUSCAT AIRPORT

SALALAH AIRPORT

Travel Point LLCSAID PLAZA, QURUM
V-Kool

Al Khuwair

Seeb City Center

Aster Al Raffah Hospital Al Ghubrah
Nesto HypermarketAl Mabella
United Electronics Co.Al Ghubrah
Age Care ClinicAl Qurum
German Interior DesignMadinat Sultan Qaboos
Magrabi Eye & Ear CenterWattaya
Dream Bridal BoutiqueAuthiba
Precise Travel & TourismRuwi
Barcelona AcademyThe Royal Hospital
OUAAl Qurum
Madinat Qaboos
Great Medical CareAl Ghoubrah
Finland Eye CenterAl Qurum
Al Khoudh
Sohar
Salalah
Intelligent ProjectsAl Khuwair
Gulf Specialized HospitalWattayah
Assarain Gold Ruwi
Oman Avenues Mall
Sohar
GadgetsMuscat Grand Mall
Oman Avenues Mall
Al Araimi Complex
Homes R usMuscat Grand Mall


Terms & conditions:

The word "Card" means all credit cards issued by National Bank of Oman ("NBO") and the word "Cardmember" means the holder of a Card participating in the Easy Payment Plan or EPP (defined below). These terms and conditions will apply in conjunction with the provisions set out in the NBO Credit Cards Terms and Conditions, which prevails over any previous Terms and conditions with regards to the EPP. All expressions here will have the same meanings as set out in the NBO Card Terms and Conditions except where the context otherwise requires or where express stated to the contrary.

"EPP" means NBO Easy Payment Plan which allows the Cardmember to repay certain Card transaction(s) in monthly installments in accordance with these terms and conditions.

1. EPP is open to NBO Card member accounts ("Card Account") only.

2. Only Cardmember's with good standing or whose Card Accounts are not in default or in breach of the NBO Card Terms and Conditions or are not in over limit are eligible to apply for the EPP. The Cardmember must meet the minimum acceptance criteria determined by NBO when the Cardmember applies to NBO for the EPP. (EPP will not eligible for closed a/c, delinquent card holders)

3. The Cardmember must specify in the application to NBO the individual purchase transaction ("Single Purchase") and/or multiple purchase transactions ("Multiple Purchases") (collectively, the "Purchase(s)" and reference to a Purchase is either or a combination of them, as the case may be), which the Cardmember wishes to convert under the EPP ("EPP Amount"). Only Purchase(s) that fulfill these terms and conditions can be converted under the EPP. The EPP does not apply to cash and cash based transactions.

4. The minimum amount eligible for conversion under the EPP is RO100 and The total EPP purchases should not exceeded 50% of the credit limit of the card

5. A Purchase can only be converted under the EPP if the Purchase has been debited to the Card Account but has not been recorded in the current statement of account forming part of the outstanding Current Balance due at the point of the conversion into the EPP Amount under the EPP.

6. The Cardmember must in the application choose a period of time for the payment of the Purchase(s) ("EPP Tenure") under EPP.

During the EPP Tenure, the EPP Amount in aggregate must be paid by way of equal monthly installments, "EPP Monthly Installment"). The Cardmember is not at liberty to change the EPP Tenure and/or the EPP Monthly Installment.

7. The approval or otherwise of the Cardmember's application will be subject to, among others:

    1. The status of the Cardmember's Card Account.
    2. The status of the transaction at the point of conversion and
    3. The discretion of NBO as it deems fit in any case. 

8. Subject always to Clause 6 above, the EPP Monthly Installment will be billed to the Cardmember's Card Account commencing on the immediate next statement of account date following NBO's approval of the Cardmember's application. 

9. In the event of any delay or failure to pay any EPP Monthly Installment in full on or before the Payment Due Date specified in the Cardmember's statement of account ("installment default payment event"), such charge as is applicable to the Ordinary Transactions in accordance with the NBO Card Terms and Conditions ("Finance Charge") will apply to the EPP Monthly Installment amount to which is outstanding. Despite so and in addition to the above, in the event of three (3) or more consecutive installment default payment events, all monies due and owing under the EPP, comprising of the total outstanding EPP Monthly Installment and the total unbilled principal of the EPP, together with the applicable Finance Charge and balance of all other monies due and owing under the EPP will be due and payable by the Cardmember.

10. Subject to NBO's approval, the Cardmember may at any time cancel his participation in the EPP or elect for early settlement of the EPP Amount by calling NBO Call center.

11. Without prejudice to any of the clauses or provisions of these Terms and Conditions, if the Cardmember is in breach of any provisions of the NBO Card Terms and Conditions or these terms and conditions or in the event of cancellation of the Card or termination of the Card Account or the Card Account whether voluntarily or involuntarily closed for whatever reason, all monies due and owing under the EPP, comprising of the total outstanding EPP Installment and the total unbilled principal of the EPP together with the applicable Finance Charge and balance of other monies owing under the EPP will immediately become due and payable by the Cardmember and NBO may as it deems fit, charge it to the Card Account where the NBO Card Terms and Conditions will apply to all the said installments or balance remaining, without prejudice to the rights and remedies of NBO under the NBO Card Terms and Conditions.

12. The normal Finance Charge mentioned in the Cards Terms and Conditions is chargeable if the EPP Monthly Installment is not received by NBO in full on or before the Payment Due Date specified in the statement of account. Any unpaid EPP Monthly Installment outstanding on the Payment Due Date specified in the statement of account may be capitalized on each Payment Due Date and subject to the applicable finance charges until full repayment of the outstanding amounts. Therefore and in accordance with the NBO Card Terms and Conditions in the event the amount stated in any monthly statement of account to be the Specified Minimum Payment is not received in full, the applicable finance charges shall be levied on the unpaid balance which may include the EPP Monthly Installment or part of it in accordance with the NBO Card Terms and Conditions.

13. The EPP Monthly Installment forms part of the Cardmember's Specified Minimum Payment as defined in the NBO Card Terms and Conditions stated as due in the Cardmember's statement of account.

14. The Cardmember can apply for more than once for EPP so long as the Cardmember qualifies for the EPP in accordance with these terms and conditions.

15. The EPP is valid only up to the EPP Tenure opted by the customer. For the avoidance of any doubt:

    1. Nothing contained here will be construed as an obligation on NBO to extend the EPP.
    2. NBO reserves the right to, as it deems fit, vary or change these terms and Conditions from time to time with prior notice by way of posting on NBO Online found at www.NBO.om ("Website"), or in any other manner deemed suitable by NBO. The Cardmember's agree that their participation in the EPP will be considered to be their acceptance of these terms and conditions (which may be varied or changed). 

16.  All matters of disputes are subject to the final decision of NBO. 

17.  NBO reserves the right to describe any of the expressions contained here in a different manner in the statement of account and such descriptions in the statement of account will not be construed against NBO as having a different meaning stated here.

18. The card member who is filling the EPP application during the period from 22nd to 25th of every month – need to note that their transaction may not be converted to EPP as it is the statement cut off period and hence the transaction would be billed.

19. If the Cardmember’s repayment mode is 100% then it may not be converted into EPP or else if the repayment mode is 5%, the card member's transaction will be converted into EPP. 

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