NCB FlexiPay

Pay off your large purchases with a flexible payment plan
Features and Benefits
  • 0% interest for 3 months*

  • Minimum purchase amount of J$50,000 or US$300

  • Low interest for up to 12 months and flexible payment options with 3, 6, and 12 month plans available*

  • Low processing fee of $2,500 inclusive of GCT

*Failure to honour the agreed terms may result in the normal credit card rate being applied

How do I qualify for NCB FlexiPay?
NCB FlexiPay is being offered to cardholders who meet the following criteria:
  • You are the primary cardholder of an eligible NCB credit card (i.e. not a supplementary cardholder)
  • Your account is in good standing for a minimum of 6 months
  • You made an eligible purchase of J$50,000/US$300 or more with your eligible NCB credit card
NCB FlexiPay is available on all consumer credit cards:
  • Visa Classic
  • Visa Platinum
  • Visa Signature
  • Visa Signature Cash
  • Mastercard Standard
  • Mastercard Black
  • Mastercard Platinum Travel
How it works?
3 months 6 months 12 months
Purchase Amount J$500,000.00 J$500,000.00 J$500,000.00
Interest Rate 0% per annum 10% per annum 25% per annum
Monthly Instalment Principle J$166,666.67 J$83,333.33 J$41,667.67
Monthly Instalment Interest J$ 0 J$4,109.59 J$10,273.97
Monthly Total J$166,666.67 J$87,442.92 J$51,940.64
3 months 6 months 12 months
Purchase Amount US$500.00 US$500.00 US$500.00
Interest Rate 0% per annum 10% per annum 25% per annum
Monthly Instalment Principle US$166.67 US$83.33 US$41.67
Monthly Instalment Interest US$ 0 US$4.11 US$6.16
Monthly Total US$166.67 US$87.44 US$47.83

FlexiPay Calculator

Choose how you want to FlexiPay
Enter your purchase amount
The minimum purchase amount is J$50,000/US$300
Choose one of the FlexiPay option
Disclaimer: Amounts calculated are subject to change based on the final assessment of your application.
Guide to set up a NCB FlexiPay plan

After making a purchase, sign in to your Manage My Card Profile then, follow the steps below:

  1. Select FlexiPay from the menu list
  2. Select your eligible NCB credit card
  3. Choose your eligible purchase
  4. Pick one of the suitable FlexiPay plan option (3, 6 or 12 months) and review the fees applied after selection
  5. Read and agree to terms and conditions
  6. Submit your plan
Want To Know More?
Here are the answers to the most frequently asked FlexiPay questions:
NCB FlexiPay instalment plan allows NCB personal credit card customers to convert credit card purchases of J$50,000 (or US$300) or more into smaller repayments of fixed monthly instalments. Cardholders may opt for a repayment term of three (3), six (6) or twelve (12) months at agreed interest rates as low as 0%.
Yes. There is one time, fixed processing fee of J$2,500 or US$20 (inclusive of GCT) on credit cards denominated in JMD and USD respectively. The fee is applied immediately to all NCB FlexiPay instalment plans upon conversion.
The NCB FlexiPay instalment plan is available to all personal credit card customers who meet the following criteria:
  • Has maintained the credit card for at least 6 months
  • No delinquency in the last 6 months
  • Account is in good standing
  • Must be the primary cardholder
Before a transaction is converted, it must meet the following criteria:
  • Purchase must be posted to the account before the next statement date.
  • Transaction must be greater than or equal to J$50,000, US$300.
  • Credit card account must be in good standing.
Purchases made at Government agencies such as Jamaica Customs or Tax Administration Jamaica cannot be converted to NCB FlexiPay.