A Credit Card Payment Deferment is a temporary payment relief that allows the Minimum Amount Due to be set to BHD 0 for three (3) consecutive months, subject to customer opt-in and approval.

The support package applies to all credit cards held by the customer, including corporate credit cards, where applicable.

The deferment is applicable from the credit card statement generated in May 2026 and will continue until the statement generated after three (3) consecutive deferred statement cycles, ending with the third deferred statement.

Customers must submit their opt-in request starting from 23rd April until 26th April 2026.
If the opt-in is successfully submitted within this window, the deferment will take effect from the May 2026 statement.

During the deferment period, the Minimum Amount Due will be BHD 0 for each applicable statement.

Yes.
Applicable service fees will continue to be calculated during the deferment period. If the outstanding balance is not fully settled, these fees will be charged in line with the normal billing cycle.

No.
Since the Minimum Amount Due is set to BHD 0, no late payment fees will be charged during the deferment period.

No.
Customer grading and delinquency status will not be affected, as the Minimum Amount Due is set to BHD 0 during the deferment.

No.
Direct Debit instructions initiated by the customer will be temporarily disabled during the deferment period.
If the customer wishes to make a full or partial payment, payments can be made using the Bank’s digital channels.

Yes.
Customers may make full or partial payments at any time during the deferment period using the Bank’s Digital App.

No.
Overlimit fees will not be charged during the deferment period.

No.
The deferment is a temporary payment relief only and does not waive, reduce, or cancel any outstanding balances.

Once the deferment has been applied, it cannot be cancelled.
However, customers may continue to pay their outstanding balance in full or partially at any time during the deferment period using the Bank’s Digital App.
Making payments will reduce the outstanding balance, but the deferment will remain active until the end of the deferment period.

After the deferment period:

• Normal credit card billing will resume
• Direct Debit instructions will be reactivated
• Regular payment obligations and billing cycles will apply

The Deferral and Liquidity Support Program is a temporary relief initiative offered by BisB in line with the Central Bank of Bahrain (CBB) support measures. The program allows eligible customers to defer their monthly installments for a period of three months, from April 2026 to June 2026, to ease short‑term financial pressures.

All financing facilities (individual and Joint) booked before 19th April 2026 are eligible, including:

• Personal Finance
• Mortgage Finance
• Auto Finance
• Eskan Products 

As per the Central Bank of Bahrain (CBB) circular, the support program is applicable to all customers with an eligible finance facility, including Bahraini nationals and non‑Bahraini residents.

Customers can submit their deferral requests through BisB’s dedicated opt‑in portal starting from 23rd April 2026.

Customer consent and opt in requests will be accepted from 23rd April to 26th April 2026. 

For customers who are required to submit an external insurance policy, the deadline is extended until 10th May 2026.

No, post submitting the request through the portal, customers are required to visit the branch to submit a hard copy of the external insurance policy and to sign a physical consent form.

Postponement is optional. The deferment is not applied automatically; customers must explicitly opt in by submitting a request through the portal and providing their consent, in line with CBB requirements.

Both parties of a Joint Finance are required to visit the branch to submit a deferral request, as such requests cannot be submitted through the portal. A manual process will be followed by the branch representatives to raise the request.

Both Customer A and Customer B are required to visit the branch in person and present external insurance policy (each submitting their insurance policy separately) issued by their respective insurance providers, wherever applicable.

No, only finance facilities booked prior to 19th April 2026 are eligible to benefit from this program.

The deferral applies to installments falling due from 19th April 2026, covering three consecutive scheduled installments.

In cases where installments are deducted before the deferral request is processed (e.g. due to salary credits), the Bank may need to reverse the deducted amount, subject to operational timelines and validation.

If eligible, the deferral support applies to all existing financing facilities held by the customer, subject to the program’s terms and exclusions.

Yes, deferment will result in an increase in the total profit amount in accordance with a Shariah-compliant mechanism, while maintaining the contractually agreed profit rate.

There will be no change to the agreed profit rate or installment amount. However, as installments are deferred, the finance tenor will be extended by the deferment period to accommodate the deferred payments.

The following deferment scenarios will be followed for customers having grace period (BULE= GRACE PERIOD, GREEN= DEFFERMENT):

If the customer has already postponed installments with applicable fees prior to this program, those fees will not be refunded, as customers will receive the deferment benefit through additional installment months under this program. 

No, customers who opt in for the deferral will not be marked as delinquent, as the minimum amount due during the deferral period will be set to zero. The deferral, by itself, does not trigger negative credit reclassification.

No, as per CBB directives, no fees, charges, or administrative costs will be imposed for granting the deferral under this program.

No, customers are required to defer their installments for a fixed period of three (3) months. Partial deferrals or selection of a shorter deferment period are not applicable.

Yes, customers are still eligible to apply for this deferment program even if they have already utilized the two-time postponement policy.

Yes, customers with external insurance are eligible for deferral. However, any additional cost arising from insurance extension or renewal due to tenor extension will be borne by the customer, in accordance with the insurer’s terms. The same has to be arranged by the customer and provided to BisB as part of the deferral program requirements.

Insurance coverage may need to be extended to match the revised financing tenor. Any related costs will be communicated to the customer and handled as per the applicable insurance policy terms.

Eligibility is subject to underwriting and insurance terms. This includes, but is not limited to:

• Customers aged above 64 years at the time of booking
• Customers whose finance tenor extends beyond the age of 75

Such cases may require additional assessment, external insurance extended policies from the customer before approval and processing.

No, deferral requests are irrevocable once submitted, and customers cannot opt out after the request has been raised.

The customer will receive a notification upon receipt of the request and a further notification once the process is completed.
 

Yes, facilities booked before 19th April 2026 are eligible for deferral. However, customers may be required to sign an additional consent form that will be provided to the relevant authority, in line with program requirements.

If the finance is subsidized, the Eskan subsidy will not be deferred. Only your personal portion of the installment can be deferred.

Any additional profit on your deferred contribution will not be subsidized, and no extra subsidies will apply to deferred instalments.

If the facility is not subsidized, the full instalment amount will be deferred with additional profit replicating the existing profit rate of your current facility.  

Yes, if Eskan Bank needs to review your salary during the deferment period, updated income documents will be required.

You will also be informed in advance if external insurance is required or if additional insurance charges apply before your request is processed.

The deferment is implemented through different Shariah-compliant mechanisms, depending on the type of financing:

• Auto Murabaha and Tasheel (Personal Finance): The existing finance will be settled, and a new Murabaha will be initiated.
• Ijara: The existing finance will remain active and an addendum will be issued to extend the Ijara contract.
• Musharaka and Eskan: The existing finance will remain active and a new Murabaha will be initiated to cover the deferred installments.

Customers can get in touch with our call center by emailing Callcentre@bisb.com/calling on 1751 5151 or visit any branch for assistance.