Housing & Development Bank (HDB) credit cardholders can buy furniture from Retro Furniture and pay in installments over 6 or 12 months with no down payment, interest or admin fees, giving customers more flexibility to furnish their homes and spread the cost of their purchases over convenient periods.

Details of installments on Retro Furniture purchases with HDB:

  • Customers must tell the cashier they want to pay in installments before the transaction is processed.

  • After the transaction, customers must call the HDB customer service centre on 19995 to activate the installment service, within the same month as the transaction.

  • The campaign applies to transactions made from 1 to 25 October 2026, provided the transaction is settled within the same month.

  • The deadline for calling the customer service centre to benefit from the campaign is 30 October 2026.

  • Purchases can be split over 6 or 12 months.

  • Installments come with no down payment, no interest and no admin fees or additional charges.

  • The minimum transaction amount eligible for installments is EGP 500.

  • The offer is available on transactions made at Retro Furniture branches or on the merchant's official website.

  • The offer is open to existing and new holders of HDB-issued credit cards, both primary and supplementary cards.

  • The offer applies only to transactions at merchants participating in the campaign.

  • The installment tenor agreed with the merchant cannot be changed after the transaction is processed.

  • If a full or partial refund of the transaction is requested, the installment transaction is cancelled.

  • Customers who use merchant discounts cannot also benefit from the installment offer.

  • Installments must be paid on time to avoid penalties or any negative impact on the customer's credit rating with I-Score.

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

  • The bank is not responsible for any dispute arising between the customer and the merchant.

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

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

  • For more information, visit the website of Retro Furniture.

Banky's view for customers:

HDB thus gives its customers the chance to buy the furniture they need from Retro Furniture and pay in installments over up to 12 months with no down payment, interest or admin fees, with a choice between the two installment plans subject to the campaign's terms and conditions.