Easily convert purchases at your favourite Al Futtaim brands into convenient instalments.

Why bank with FAB? One reason is we put you first.

FAB helps you manage your shopping bills with an interest-free payment plan that best suits your needs. Spend AED 500 or more at any Al Futtaim brand, such as IKEA, ACE Hardware, Marks and Spencer, Toys ‘R’ Us, Toyota, Lexus, Orient, Lutetia Clinic, Deira International School and the Universal American School using your FAB credit card, and convert your purchases into an Easy Payment Plan directly through the POS terminal (card machine), with a choice of interest-free monthly instalments. Spend and win.

Select a tenure between three, six, nine and 12 months.

Click here for a full list of Al Futtaim brands.

Terms and Conditions apply

Make a purchase at a participating retail outlet using your FAB credit card.

You can apply for 0% EPP through FAB Mobile app or FAB Online Banking.

Alternatively, SMS "EPP" to 2121. We will call you to take the details of the transaction and convert it into 0% Easy Payment Plan (EPP).

Processing Fees:
3 months: 1%
6 months: 2%
9 months: 3%
12 months: 4%

Processing Fees will be charged at the time of booking and billed to the primary credit card.

In case of 0% EPP cancellation, there will be no refund of Processing Fees.

Processing Fees will be calculated as a percentage of the total amount of the 0% EPP.