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Credit Cards Easy Installment Plan
Turn your purchases into easy monthly payments — instantly from Mobile Banking.
Our Easy Payment Plan (EPP) allows you to convert eligible transactions into convenient monthly instalments with 0% interest and no fees, giving you complete flexibility and control over your finances.
Key Benefits
0% Interest — No hidden charges
0% Processing Fee — What you convert is what you pay
Flexible Tenures — Choose from 3, 6, 12, or 24 months
Instant Conversion — Apply directly in Mobile Banking
Full Control — View, manage, or close anytime
Multiple Plans Allowed — Up to 3 active EPPs at once
Easy Payment Plan in 3 Easy Steps:
- Step 1: Call the Sohar International Call Center to identify your eligible purchases.
- Step 2: Select your preferred installment plan.
- Step 3: Confirm the details—and you're done!
Your transaction will be transformed into manageable monthly payments.
Available Tenures
You can choose the plan that suits your budget:
- 3 months
- 6 months
- 12 months
- 24 months
All plans are offered at 0% interest and 0% fees. Manage Your Plan Anytime.
Eligibility
- Transaction amount RO 100 and above.
- Maximum of 3 active EPPs per card
- Subject to bank approval and policy
Through Mobile Banking, you can:
- View your active instalment plans
- Check remaining balance and schedule
- Pre-close your plan at any time with no charges*
- Cancel the plan*
*You may pre-close your Easy Payment Plan anytime via Mobile Banking with no additional cost. Upon pre-closure or cancellation, the outstanding amount will be added back to your card’s utilized balance. subject to bank policy.
Why Choose EPP?
Enjoy the flexibility to make purchases today and pay later — without interest, fees, or paperwork. Perfect for:
- Large purchases
- Travel expenses
- Electronics & appliances
- Lifestyle spending
- Unexpected expenses
Frequently Asked Questions (FAQ)
The Easy Payment Plan allows you to convert eligible purchases into equal monthly installments directly through Mobile Banking — with 0% interest and 0% fees*
*Subject is subject to the bank policies and approvals. The bank reverses the rights to introduce or modify interest rate, fees or charges any time without prior notice to customers. any update will be reflected on the bank official websites and channels.
All retail credit card customers can use the service, subject to bank approval and policy.
- Log in to Mobile Banking
- Select an eligible transaction which has EPP indicator.
- Choose your preferred tenure
- Confirm the request
- The conversion happens instantly.
You can choose from:
- 3 months
- 6 months
- 12 months
- 24 months
All plans are offered at 0% interest and 0% fees.
Only transaction meeting the minimum eligible amount can be converted. Minimum transaction amount is OMR 100/-or equivalent amount if the transactions are other than Omani Rials. Transaction below this amount will be not qualify for conversion.
No. There are:
- Zero interest
- Zero processing fee
- No hidden charges
You can have up to 3 active Easy Payment Plans at any given time.
Your monthly instalment will appear in your next billing cycle/statement after the plan is created.
Yes. You can pre-close your EPP anytime via Mobile Banking with no additional charges.
The remaining outstanding amount will be added back to your card’s utilized balance and will become payable as part of your outstanding dues.
Yes, cancellation is allowed according to bank policy. Upon cancellation, the remaining principal amount will be added back to your utilized balance.
Only eligible transactions qualify. Some transactions (such as fees, cash withdrawals, or already converted transactions) are not eligible.
No. Your credit limit remains the same. The purchase amount will continue to be part of your utilized balance until fully paid.
No. New EPP creation may not be allowed on blocked cards, although existing plans will continue as scheduled.
Missed payments will be treated according to the bank’s standard billing and delinquency policies and may incur applicable charges.
You can view all active plans, remaining balance, and payment schedule anytime in Mobile Banking.
For assistance, please contact our call center on 24730000 or visit your nearest branch.
Terms & Conditions
The Easy Payment Plan (EPP) allows eligible customers to convert qualifying transactions into equal monthly instalments through Mobile Banking, subject to these Terms & Conditions and the Bank’s policies.
By applying for or using the EPP service, the customer agrees to be bound by these Terms & Conditions, as amended from time to time.
- The EPP service is available to customers holding an eligible card/account issued by the Bank and registered for Mobile Banking.
- Only transactions that meet the Bank’s eligibility criteria may be converted.
- The Bank reserves the sole discretion to determine eligibility of customers and transactions.
- The Bank may decline any request without assigning a reason.
- Currently, EPP is available for credit card issued to individuals only. This facility is not available on Corporate Cards.
- Only selected retail purchase transactions are eligible for conversion.
- A minimum transaction amount applies for conversion. The Bank may revise the amount at any time.
- The following transactions are generally not eligible (including but not limited to):
- Cash withdrawals
- Balance transfers
- Fees, charges, or interest
- Reversed or refunded transactions
- Previously converted transactions
- Any transactions excluded by the Bank
- Eligible transactions may be converted into equal monthly instalments.
- Available tenures:
- 3 months
- 6 months
- 12 months
- 24 months
- The Bank may revise available tenures at any time.
- Currently, the plan is offered at:
- 0% interest
- 0% processing fee
- 4.5 The Bank reserves the right to introduce or modify interest rates, fees, or charges at any time without prior notice.
- 4.6 Any updates will be published through the Bank’s official channels.
- The plan can be requested through Mobile Banking only.
- Once confirmed, the conversion is considered accepted and binding.
- The converted amount will be moved from the original transaction to an instalment plan.
- The Bank is not responsible for duplicate requests submitted by the customer.
- Monthly instalments will be billed as part of the customer’s regular billing cycle.
- The instalment amount will be included in the minimum amount due.
- The customer must ensure timely payment of all dues.
- Failure to pay may result in late payment charges, interest, or other actions per the Bank’s policies.
- The converted transaction amount will remain part of the utilized credit limit until fully repaid.
- Available credit limit will increase progressively as instalments are paid.
- A customer may hold a maximum of three (3) active EPPs at any given time.
- The Bank may change this limit at its discretion.
- The customer may pre-close the plan at any time via Mobile Banking.
- Upon pre-closure:
- The remaining outstanding principal will be added to the customer’s utilized balance & will be billed in the next statement as per the ‘Minium Payment Plan’ opted by the cardholder.
- The amount will become immediately payable.
- Currently, no pre-closure charges apply. The Bank reserves the right to introduce such charges in the future.
- If a converted transaction is refunded or reversed:
- The Bank may adjust the refund against the outstanding EPP balance, OR
- Credit the refund to the card/account as per internal policy
- The Bank’s decision in such cases shall be final.
- New EPP requests will not be allowed on blocked or suspended cards/accounts.
- Existing plans will continue until fully settled.
- The Bank may require full settlement of outstanding EPP amounts before approving card/account closure.
- Failure to pay dues on time constitutes default.
- In case of default, the Bank may:
- Cancel the plan
- Add the outstanding balance to the card/account balance
- Apply interest, fees, or penalties as per applicable terms
- The Bank reserves the right to:
- Modify, suspend, or withdraw the EPP service at any time
- Change eligibility criteria, fees, interest rates, or terms
- Reject or cancel any plan at its discretion
- Recover any outstanding amounts
- Changes may be implemented without prior notice unless required by law.
- Customers are responsible for reviewing updates published on official Bank channels.
The customer is responsible for:
- Ensuring sufficient funds/limit to meet payment obligations
- Reviewing instalment details before confirmation
- Keeping Mobile Banking credentials secure
The Bank shall not be liable for any loss arising from:
- Customer errors in selecting transactions or tenures
- System downtime beyond the Bank’s control
- Merchant disputes related to the original transaction
These Terms & Conditions shall be governed by the laws and regulations applicable in the Sultanate of Oman.
For assistance, customers may contact the Bank’s Call Center team or visit the nearest branch.
By requesting or using the Easy Payment Plan, the customer confirms acceptance of these Terms & Conditions.