Housing & Development Bank (HDB) has announced a new offer for its credit cardholders that allows purchases at Kabbani branches to be paid in installments over 6 or 12 months, with no interest, no administrative fees and no down payment. The offer is part of the bank's commitment to providing flexible financing solutions that help customers meet their home needs and benefit from installment plans.

Offer terms and conditions:

  • Before completing the transaction, the customer should tell the merchant's cashier that they wish to pay in installments.

  • After completing the transaction, the customer must call the bank's customer service center on 19995 to activate the installment service within the same month as the transaction, provided it is settled within the same campaign month.

  • Installment payments start in December 2026, and the first installment must be paid before 26 December 2026.

  • For transactions made at Kabbani branches or through its official website, the 6-month or 12-month installment offers can be used only by calling 19995.

  • The installment offers are available to existing and new customers holding HDB-issued credit cards, whether primary or supplementary.

  • The deadline for calling the customer care center to benefit from the campaign is 30/10/2026.

  • The installment offers apply only to transactions made from the 1st to the 20th of October 2026, provided they are settled within the same month and during the promotional campaign period.

  • Transactions made before the campaign starts or after it ends are not eligible for the campaign's installment offers.

  • The offers are available only for transactions with merchants participating in the campaign.

  • The minimum amount that can be paid in installments is EGP 500 per purchase transaction.

  • The installment offer applies to purchases made online through the merchant's official website or at any of the merchant's branches.

  • The installment offers carry no down payment, interest or administrative fees.

  • To avoid any penalties or a negative impact on their credit rating with I-Score, customers must pay installments on their due dates.

  • The bank reserves the right to amend or cancel the promotional campaign at any time.

  • The bank is responsible for collecting the installments due from the customer in accordance with the agreed terms.

  • The bank is not responsible for any dispute that may arise between the customer and the merchant.

  • The merchant must provide the products or goods without charging the customer any additional fees or commissions when completing purchases, in accordance with the campaign terms.

  • The installment period agreed with merchants participating in the campaign cannot be changed.

  • The customer must notify our customer care center on 19995 that the transaction to be made is subject to interest-free, fee-free installments under the promotional campaign.

  • The installment transaction is cancelled if the customer requests a refund of that transaction, whether partial or full.

  • The installment offer cannot be combined with discounts offered by the merchant.

  • The terms and conditions for HDB-issued credit cards apply.