Al Haramain Perfumes

EMI Terms & Conditions

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Effective Date: November 02, 2026

Al Haramain Perfumes offers online EMI facilities to make eligible purchases more convenient for customers. Customers can choose an available EMI tenure through the payment gateway during checkout, subject to the applicable bank, card, product, and transaction conditions.

Please review the following EMI charges, eligible banks, and terms before making an EMI transaction.

1. Online EMI Charges

The following EMI charges apply based on the selected tenure and card-issuing bank.

EMI Tenure Standard Chartered Bank Other Eligible Banks Minimum Amount
3 Months 3.5% 3% BDT 5,000+
6 Months 5.5% 4.5% BDT 5,000+
9 Months 8% 6.5% BDT 5,000+
12 Months 10.5% 8.5% BDT 5,000+
18 Months 13.5% 11.5% BDT 5,000+
24 Months 17.5% 15.5% BDT 5,000+
30 Months — 16.5% BDT 5,000+
36 Months 22.5% 19.5% BDT 5,000+

LankaBangla Finance charges 3.5% for the 3-month tenure. Other LankaBangla tenures follow the standard bank rates above.

Important: EMI charges may vary according to the applicable bank, card type, payment gateway, tenure, and transaction conditions. The final EMI amount and applicable charges displayed during checkout will apply to the transaction.

2. Eligible Banks and EMI Tenures

The following banks and financial institutions are currently listed for the online EMI facility of Al Haramain Perfumes.

√ = EMI tenure available

SL Bank Name 3M 6M 9M 12M 18M 24M 30M 36M
1 AB Bank √ √ √ √ √ √ √ √
2 Al-Arafah Islami Bank √ √ √ √ √ √ — √
3 Bank Asia √ √ √ √ √ √ — —
4 BRAC Bank √ √ √ √ √ √ — √
5 City Bank √ √ √ √ √ √ √ √
6 Dhaka Bank √ √ √ √ — — — —
7 Dutch Bangla Bank √ √ √ √ √ √ — √
8 Eastern Bank √ √ √ √ √ √ — √
9 Exim Bank √ √ √ √ — — — —
10 IFIC Bank √ √ √ √ √ √ √ √
11 Islami Bank Bangladesh √ √ √ √ √ √ — √
12 Jamuna Bank √ √ √ √ √ √ — √
13 LankaBangla Finance √ √ √ √ √ √ — —
14 Mercantile Bank √ √ √ √ √ √ √ √
15 Mutual Trust Bank √ √ √ √ √ √ — √
16 National Bank √ √ √ √ √ √ — —
17 NCC Bank √ √ √ √ √ √ — √
18 One Bank √ √ √ √ — — — —
19 Premier Bank √ √ √ √ — — — —
20 Prime Bank √ √ √ √ √ √ — √
21 Pubali Bank √ √ √ √ √ √ — —
22 Shahjalal Islami Bank √ √ √ √ — — — —
23 Southeast Bank √ √ √ √ √ √ √ √
24 Standard Bank √ √ √ √ √ √ — —
25 Standard Chartered Bank √ √ √ √ √ √ — √
26 United Commercial Bank √ √ √ √ — √ — —
27 Trust Bank √ √ √ √ √ √ — √
28 Modhumoti Bank √ √ √ √ √ √ — —
29 NRB Commercial Bank √ √ √ √ √ √ — —
30 NRB Bank √ √ √ √ √ √ — √
31 Meghna Bank √ √ √ √ √ √ — √
32 SBAC Bank √ √ √ √ √ √ — —
33 Midland Bank √ √ √ √ √ √ √ √
34 Uttara Bank √ √ √ √ √ √ — —
35 Shimanto Bank √ √ √ √ √ √ — —
36 Community Bank Bangladesh √ √ √ √ √ √ — √
37 Bengal Commercial Bank √ √ √ √ — √ — √
38 Citizens Bank √ √ √ √ — — — —

3. Minimum Purchase Amount

The minimum purchase amount for online EMI is: BDT 5,000 or above

EMI availability may depend on the customer's eligible card, issuing bank, transaction amount, selected tenure, and applicable payment gateway conditions.

4. How to Avail EMI Online

Customers can select EMI during the online payment process by following these steps:

Step 1: Enter Card Details

Enter your eligible card information on the payment page.

Step 2: Select "Avail EMI"

Choose the "Avail EMI" option from the available payment options.

Step 3: Choose EMI Tenure

Select your preferred EMI tenure based on the options available for your card.

Step 4: Click "Pay"

Review the transaction details and click "Pay" to proceed.

Step 5: Enter Bank OTP

Enter the OTP sent by your card-issuing bank to complete the verification.

Step 6: Payment Successful

After successful verification and payment processing, your EMI transaction will be completed.

5. Important EMI Terms

Please consider the following before choosing EMI:

  • EMI is available only for eligible cards and participating banks.
  • The minimum transaction amount for EMI is BDT 5,000.
  • Available EMI tenures vary by bank and card.
  • EMI charges vary according to the selected bank and tenure.
  • The final EMI amount and applicable charges will be shown during the payment process.
  • Customers should ensure that their card has sufficient available credit before initiating an EMI transaction.
  • EMI approval depends on the card-issuing bank and applicable payment gateway rules.
  • Al Haramain Perfumes does not control the approval, rejection, or processing of an EMI transaction by the card-issuing bank.
  • Customers should check the EMI details carefully before confirming payment.
  • EMI transactions may be subject to the terms and conditions of the relevant bank and payment gateway.
  • Bank policies, EMI rates, available tenures, and participating banks may change from time to time.
  • Al Haramain Perfumes may update the EMI information on this page without prior notice.

6. EMI Cancellation and Refund

EMI transactions are processed through the applicable payment gateway and card-issuing bank.

For an approved cancellation or refund, the applicable amount will be processed according to the Al Haramain Perfumes Return & Refund Policy, payment gateway procedures, and the relevant bank's policies.

The time required for an EMI refund may vary depending on the payment gateway, bank, and card issuer.

Any applicable payment gateway, processing, or other non-refundable charges may be deducted according to the applicable payment terms.

Customers should contact Al Haramain Perfumes before requesting an EMI cancellation or refund.

7. EMI Service Availability

EMI service availability may change due to:

  • Bank policy changes
  • Payment gateway updates
  • Technical issues
  • Card eligibility
  • Transaction limits
  • Temporary service interruptions
  • Changes in participating banks or EMI programs

The EMI options available at checkout will be considered the applicable options for the transaction.

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