Shopping is now a lot easier with Easy Pay, an easy and affordable way to split your shopping bills upon paying with your Gulf Bank credit card. Getting started is easy and enjoying the benefits is easier.

Easy Pay Eligibility

  • All Gulf Bank Credit cards

  • The minimum purchase value is KD 100 at the participating outlets

  • Easy Pay is not available for charge cards


  • Pay zero interest on everything you buy at participating outlets

  • Divide your payments over 12 months with 0% interest and no processing fees

  • You can avail Easy Pay plan multiple number of times

How Does Easy Pay Work?

  • Pay for your purchase at the participating outlets using the eligible Credit Card

  • To know whether your card is eligible for Easy Pay or not, send an SMS with the word “Easy” followed by the last 4 digits of your card number to 1805805. Example: Easy 1234

  • You can ask for the Easy Pay option at the cashier or sales assistant at the outlet before you make your purchase


When you buy items worth KD 240 from a participating outlet with Easy Pay, you will be billed KD 20 every month for 12 months at 0% interest with no processing fees.

Easy Pay Participating Outlets

To check out the list of participating outlets Click here


  • Easy Pay is a feature on Gulf Bank Credit Card which gives you convenience to convert your high value purchases at participating merchants into 12 monthly installments at 0% interest.

  • Just ask for Gulf Bank’s Easy Pay at the merchant before you make your purchase.

  • The minimum purchase value is KD 100. This transaction should be performed at the participating POS merchant outlet on Easy Pay dedicated terminal , in order to be converted to 0% Easy Pay.

  • The Easy Pay will shown in a separate box in the body of the card statement under the heading Easy Pay Summary. The Easy Pay table will show merchant name, monthly installment amount, current installment number and remaining installments.

  • Yes. You will be notified by SMS confirming that the transaction is converted to 0% Easy Pay. You will also be able to check the Easy Pay details on the monthly Credit Card statement.

  • No. The tenor of the Easy Pay is 12 months and cannot be changed.

  • Yes. You can avail multiple Easy Pay. Every time you do a high value purchase from any of the participating merchants, you can convert the transaction to a 0% Easy Pay.

  • Gulf Bank reserves the right to levy service charges and penalty if the Easy Pay monthly installment is not paid in a particular month. Further, if the Easy pay installments are not paid for 2 consecutive months, the Easy Pay plan will be cancelled, and any outstanding balance will become immediately due and service charges will apply.

  • You can avail Easy Pay plan on any product, as long as total invoice value is at least KWD 100. Merchant terms and conditions apply.

  • Yes, you can return the items as per refund policy of the merchant. The refund amount would be processed on the same credit card that was used for Easy Pay transaction. There would be no cash refund admissible.

Terms & Conditions

  • Easy Pay program is available at selected partner merchant outlets

  • Customer should make a transaction of KD100 or more at partner merchant to be eligible for Easy Pay

  • Easy Pay Program is valid only for Gulf Bank revolving credit cards only i.e. cards having 8.33% monthly payment

  • Easy pay program is offered for a fixed term of 12 months only

  • Interest rate for Easy Pay transactions will be 0% provided that the monthly installments are paid in time

  • Easy Pay transaction amount will be blocked from customer’s credit card limit and will be released gradually every month once the installment amount is paid

  • Customer’s other spends which are not part of “Easy Pay” plan, will be on regular (non-promotional) interest rate plan where Central Bank of Kuwait (CBK) approved Annual Percentage Rate (APR) will be applicable

  • Easy Pay plan will be automatically cancelled in case of non-payment of credit card monthly bills for 2 consecutive months and the unpaid Easy Pay plan amount will become immediately due and move to regular (non-promotional) interest rate plan where Central Bank of Kuwait (CBK) approved Annual Percentage Rate (APR) will be applicable

  • In case of card cancellation, Easy Pay plan will be cancelled, and the unpaid Easy Pay plan amount will become immediately due

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