Flexi Plan

All the Flexibility You Need to Enjoy Your Lifestyle.

If you are looking for an annual interest-free installment plan on your credit cards, then this product is definitely for you.

QNB credit cards provide you with a world of benefits tailored to fit your particular lifestyle. With a refined selection of partner merchants, from furniture and home furnishings to electronics, health and fitness, travel and more, Flexi Plan offers an equal monthly installment plan with 0% interest for a period of up to 12 months.
 

Eligibility

 
  • QNB customer
  • Available on any QNB credit card with good standing
 

Benefits & Features

 
The QNB Flexi Plan facility allows customers to pay related expenses in equal monthly installments at 0% interest for a period of up to 12 months. The minimum ticket size for installments may vary from one merchant to another.
 

 

Flexi Plan Partners

FlexiPlan
Partner Name

Business / Product
Category

Minimum Transaction
Amount (QAR)

 Available Installment
(repayment) Plans

Al Muftah
Automobiles
Services

Auto Service

500

3, 6, 9 & 12
Months

Al Muftah
Window
Film

Auto Service

500

3, 6, 9 & 12
Months

Q-TIRE

Auto Service

1,000

6 Months

51 East -
FNAC

Electronics

500

6 & 12
Months

Dohatna
"Samsung Store"

Electronics

500

3 & 6
Months

Electronova

Electronics

500

3 & 6
Months

e-Pro Solutions

Electronics

1,000

6 Months

FNAC

Electronics

500

6 & 12
Months

Intertec W.L.L.

Electronics

500

6 Months

Ispot

Electronics

1,000

6 Months

Jumbo
Electronics

Electronics

1,000

6 Months

Ooredoo

Electronics

500

12 Months

SpotMe

Electronics

1,000

6 Months

Starlink

Electronics

1,000

6 Months

Techno Blue

Electronics

500

3 & 6
Months

Virgin Megastore

Electronics

500

3, 6, 9 & 12
Months

Al Muftah Centre

Electronics,Home
Appliances

500

3, 6, 9 & 12
Months

Ansar City,
Ansar Gallery,
Doha City,
New World
Centre

Electronics, Home
Appliances,Furniture,
Garments

600

3 & 6
Months

Safari Group

Electronics, Home
Appliance, Food
Products

500

3 Months

Wasal Al Mahab
a Trading

Hardware Equipments

500

3, 6, 9 & 12
Months

Salad Master

Home Appliances

1,000

12 Months

Learning Time

 Educational Items

600

12 Months

Al khaleej Academy

Educational Institute

1,000

6 & 12
Months

Techno Gym

Fitness Products

1,000

12 Months

Attrium Design

Furniture &
Home Furnishings

600

6 & 12
Months

Ethan Allen

Furniture &
Home Furnishings

1,000

9 Months

Guatier

Furniture &
Home Furnishings

500

3, 6, 9 & 12
Months

Home Centre

Furniture & Home
Furnishings

600

3 & 6
Months

Homes R Us

Furniture & Home
Furnishings

1,000

6 Months

ID Design

Furniture & Home
Furnishings

1,000

6 Months

Nabco Furniture

Furniture & Home
Furnishings

600

6 & 12
Months

RAFCO

Furniture & Home
Furnishings

500

3 Months

Diet Delights

Health & Fitness

500/3,500

3 & 6 Months

Global Health &
Fitness Solutions

Health & Fitness

1,000

12 Months

Grand Hyatt Doha
Hotel & Villas

Health & Fitness

500

3, 6, 9 & 12
Months

GYM - Body Mechanics
Qatar

Health & Fitness

500

3, 6, 9 & 12
Months

GYMMITO

Health & Fitness

500

3, 6, 9 & 12
Months

Ideal Diet

Health & Fitness

500

3 Months

Al Majed Jewlerry

Jewelry (Tag Heuer
Watches)

500

3 & 6 Months

Al Salahi for Gold
& Jewellery

Jewelry (Diamond)

500

3 & 6 Months

Damas Jewellery

Jewelry (Diamond)

1,000

3 & 6 Months

Emel Diamond

Jewelry (Diamond)

500

3, 6, 9 & 12
Months

Joyalukkas 

Jewelry (Diamond)

1,000

6 Months

Kalyan Jewellers

Jewelry (Gold &
Diamond)

500

3 & 12 Months

Malabar Gold &
Diamonds

Jewelry (Diamond)

500

6 Months

Marhaba Jewellery

Jewelry (Gold &
Diamond)

500

6 & 12 Months

Papillon Jewelry

Jewelry (Gold &
Diamond)

500

3 Months

Shine Jewellery

Jewelry (Gold &
Diamond)

500

3 Months

Education City
Golf Club

Leisure Service & Sport

1,000

12 Months

Al Ghais Diving

Marine Equipments

500

3, 6, 9 & 12
Months

Al Rabeeh
Dental Centre

Medical / Dental
Clinic

500

3 & 6 Months

Dr. Aida Medical
Centre

Medical / Dental Clinic

500

3 & 6 Months

German Dental Centre

Medical / Dental
Clinic

3,000

12 Months

Lotus Dental Center

Medical / Dental Clinic

500

3, 6, 9 & 12 Months

Naseem Al Rabeeh
Dental Centre

Medical / Dental
Clinic

500

3 Months

Qdent Dental
Center

Medical / Dental
Clinic

500

3 & 6 Months

Tadawi Medical
Center

Medical / Dental
Clinic

500

6 Months

Zain Dental
Centre

Medical / Dental
Clinic

1,000

3, 6, 9 & 12
Months

Integral Care

Medical Supplies

500

3, 6, 9 & 12
Months

Decathlon

Sports Equipment

500


3, 6, 9 & 12
Months

Ali Bin Ali Trave
l Bureau

Travel & Tourism

500

3 & 6 Months

Galaxy Travels and
Tours

Travel & Tourism

500

3 & 6 Months

Mosafer Travels

Travel & Tourism

1,000

6 Months

Navigation Tours
& Travels

Travel & Tourism

600

6 Months

Qatar Travels
(Darwish Travels)

Travel & Tourism

500

6 Months

Rehlaty Travel &
Tourism

Travel & Tourism

500

3, 6, 9 & 12
Months

Victoria Travels

Travel & Tourism

500

3 & 6 Months

Frequently asked questions

1. What is QNB Flexiplan?
• QNB Flexiplan is a new feature on QNB Credit Cards which allows customers to convert their purchases at participating merchants into an instalment plan at 0% interest.

2. Which QNB Cards have the Flexiplan feature?
• Flexiplan is available on ALL credit cards issued by QNB with any card types, excluding QNB Corporate Card.

3. What is the minimum purchase amount for Flexiplan?
• The minimum purchase amount for Flexiplan is QAR 1000 per transaction. However, please check with our participating merchant for any special promotion.

4. What transactions can be converted into Flexiplan?
• QNB Flexiplan is available to any POS transaction at participating merchant. Transaction amount eligible for installment conversion may vary from merchant to another. Latest participating merchants listing can be viewed on QNB website.

5. What is the repayment term?
• The repayment terms will vary depending on the promotion being run by the merchant. Once the purchase is made and converted to QNB Flexiplan, customer can repay the amount spend in equal monthly installments over the advertised period. The current payment term is set at 6 months.

6. How can the customer make an interest free purchase using Flexiplan?
• All purchases using Flexiplan will be converted at zero percent interest automatically. Simply inform the cashier at the preferred QNB merchants to avail the Flexiplan.

7. Can I choose the term of the interest free plan?
• Currently the Flexplan has a fixed 6 monthly instalment at zero percent interest. Each merchants may run different interest free terms at various times of the year and customers should ask in-store about the interest free term that is currently available.

8. Can the customer use their QNB card to make additional interest free purchases?
• There is NO limitation on the number of transactions for Flexiplan, as long as there is available credit limit on their Credit Card.

9. When will the customer have to pay their first instalment?
• The FlexiPlan transaction is converted into instalments which will normally be the day after the transaction is posted to credit card account. The first instalment will be due on the first due date after the purchase is made.

10. How will the customer get to know details of their Flexiplan – the Installment amount, repayment term, outstanding payment, etc.?
• Details of the Flexiplan will be shown on the customer’s credit card statement. The minimum payment will include the monthly instalment amount.

11. What happens to the customers credit limit when they convert their purchase(s) to Flexiplan?
• The total amount converted to Flexiplan will be reduced from the customers available credit limit. However, as they repay their monthly instalments, the amount of the instalments paid will be added to their available credit limit.

12. Does the customer earn Rewards Points on transactions that they convert into Flexiplan?
• Yes, customers can still enjoy the applicable reward points on transactions converted to Flexiplan based on their card type.

13. Can the customer have more than one Flexiplan on their QNB card at the same time?
• Yes, the customer can have multiple purchases converted to Flexiplan.

14. Can supplementary cardholders convert eligible purchases to Flexiplan?
• Yes, supplementary cardholders can also opt for eligible transactions to be converted to Flexiplan.

15. Can the customer cancel their Flexiplan?
• No, the customer cannot cancel your Flexiplan once the conversion of the eligible purchase has taken place.

16. Can the customer payout the Flexiplan on their card early? What is the penalty if they do so?
• The customer cannot payout the Flexiplan before the expiry of the term. They will need to continue paying the monthly instalment as scheduled. As there is 0% interest, even if they pay the monthly payment for the full term, they will not pay anything more than the originally converted amount.

17. If the customer wants to close their credit card, can they continue to pay the instalments?
• If a customer wants to close their credit card, they will have to pay off the entire outstanding balance on their card including any balance converted to Flexiplan.

18. What would happen if the customer does not pay the installment as agreed on the FlexiPlan? Any interest or over due charges apply?
• Each month the installment will be added to the minimum payment due. If a customer does not pay the full minimum payment due (including the instalment amount), their account will become overdue and they will incur the applicable interest and/or overdue charges.

19. What would happen if the customer pays less than the installment required? Does priority go for the FlexiPlan installment first or the ordinary card installment?
• Once the instalment amount is added to the minimum payment due, the entire minimum payment has the same priority. If the customer pays less than the minimum payment due, their account will be overdue and will incur fees and interest charges.

20. What will happen to the Flexiplan if the customer account becomes overdue?
• If the account is more than 60 days overdue the Flexiplan will be automatically cancelled and the entire Flexiplan balance will be payable.

21. Does Flexiplan transaction(s) affect on the Debt Burden Ratio (DBR) of the customer?
• There is no impact on the DBR. Flexiplan transaction(s) is included among the current credit limit of the customer.

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