0% Markup

No mark-up or hidden charges on selected Bank’s EMI Plan facility.

Instant Approval

Choose your Bank’s EMI Plan, Enter your card details, and we are ready to ship you your product.

No Down Payment

Shop your heart out without any down payment.

Bank Partners who support 0% EMI
Terms & conditions apply to click on your bank below to learn more


  • Ensure only 1 product

    Your order should contain only 1 product with a minimum value of PKR 10,000.

  • Select Payment Method

    Select installment as your payment method during checkout.

  • Select your EMI Plan

    Select Bank Alfalah, EMI Tenure, and enter your card details.

  • Place your order

    Input your OTP received through SMS or email and place your order.

  • Plan activation

    It takes up to 7 working days for your EMI plan to be activated and you will receive an SMS from your bank once this is done.


What is Ays 0% Easy Monthly Installments (EMI)?

AYS EMI is a service that allows you to purchase items through a deferred payment plan using your credit card. Please note that the full outstanding payment will be blocked on your credit card and released as you pay monthly installments. The blocked amount will also be visible on your statement.

Is there any mark-up, processing fees, or down payment on AYS EMI?

EMI does not have any down payment or any other hidden cost attached to it. The following banks charge a processing fee upon activation of the EMI plan:

Bank Alflah processing fee is 2.5%

Is AYS EMI available on all products?

AYS EMI is available on selective products but your order should contain only 1 product with a min value of PKR 10, 000.

Are there any conditions for the EMI to be approved?

For EMI Transactions to be approved your total cart value should be equal to or less than the available credit limit on your credit card. Once a purchase is completed using EMI, it will take up to 7 working days for the installment to reflect on your credit card statement.

Is it possible to return or cancel products purchased on AYS EMI?

Yes, in case of a return, you can get your money will be reversed on your credit card within 10 working days. There are no charges for this reversal and it will be reflected on your subsequent statement.

Is it possible to convert a partial amount of my order onto the EMI plan?

Unfortunately, only full cart values can be converted into an EMI plan.

Which cards is EMI applicable on?

AYS EMI plan is available on Bank Alfalah Credit Cards.

What if your EMI plan has not been activated after 7working days of purchase?

Please call the Bank’s helpline to escalate the matter. If you have been charged any financial fees due to this, they will be reversed in your subsequent statement.

Return and Refund Policy

  1. If your product is damaged, defective, incorrect, or incomplete at the time of delivery, please file a return request on the app or website within7 Days of Order Delivered.
  2. Change of mind is not allowed (it’s not allowed for the customer to claims the refund or return for the reason of change of mind however it’s wholly sole AYS management right to accept or deny such type of returns.

Valid reasons to return an item

  1. Delivered Product is damaged (physically destroyed or broken) / defective (dead on arrival).
  2. Delivered Product is incorrect (presentation different on the website) / incomplete (missing parts).

Conditions for Returns

  1. The product must be unused, unworn, unwashed, and without any flaws.
  2. The product must include the original tags, user manual, warranty cards, freebies, and accessories.
  3. The product must be returned in the original and undamaged manufacturer packaging/box. If the product was delivered in the second layer of AYS packaging, it must be returned in the same condition.

NOTE: If a product is returned to us in an inadequate condition, we reserve the right to send it back to you.

How Ays will Refund your Money?

  1. If the order has been placed through a Debit card or credit card it will take 7 to 10 days to refund back your money into your account.
  2. In case of cash on delivery, it will take a maximum of 7 days to refund back your money in your concerned Bank account or easy paisa/jazz cash account.