DTB Lipa Mdogo Mdogo
Turn eligible DTB credit card purchases into manageable monthly instalments with DTB Lipa Mdogo Mdogo. The Equal Payment Plan (EPP) lets cardholders in good standing convert qualifying POS or online purchases over KES 20,000 and below KES 1 million into fixed instalments over 3, 6, 9 or 12 months, subject to DTB approval and the applicable interest rate.
Overview
DTB Lipa Mdogo Mdogo is designed for existing DTB credit cardholders who have already made a larger purchase and would prefer to spread the cost over several monthly statement cycles instead of repaying the full purchase amount at once.
After an eligible POS or e-commerce transaction, call the DTB Contact Centre before the next statement date and request an Equal Payment Plan. If approved, DTB will tell you the applicable interest rate, repayment tenor and monthly instalment before the plan is booked. You must give explicit consent through a traceable channel such as a recorded call.
The plan can be useful for eligible higher-value purchases such as electronics, appliances, furniture, travel, education or medical- related card payments where the merchant accepts your DTB credit card and the transaction meets EPP eligibility rules. It does not apply to cash advances, balance transfers, fees, charges, interest, gambling or disputed transactions.
What You Need to Open an Account
The requirements are as follows:
Eligibility
EPP is available to DTB credit cardholders whose card accounts are in good standing.
The credit card account must not be overdue, blocked or under review.
Only eligible Point of Sale (POS) and e-commerce purchases qualify.
Minimum eligible transaction amount: over KES 20,000.
Maximum eligible transaction amount: below KES 1 million.
Cash advances, balance transfers, fees, charges, interest, gambling transactions and disputed transactions are not eligible.
The request must reach DTB before the next statement date following the purchase.
More than one EPP may be held at the same time where sufficient credit limit is available.
All EPP conversions are subject to DTB approval.
Instalment Tenors
- 3 months.
- 6 months.
- 9 months.
- 12 months.
- The selected tenor cannot be changed after the EPP has been booked.
- DTB reserves the right to change available tenors or pricing for future EPP bookings.
Interest and Fees
Before you accept the Equal Payment Plan, DTB will communicate the applicable interest rate, selected tenor and monthly instalment through a recorded call or another traceable communication channel. The EPP is booked only after your explicit consent.
Do not assume Lipa Mdogo Mdogo is interest-free. The cost depends on the offer communicated for the eligible transaction. Any later pricing change by the Bank does not affect an EPP that was already booked under previously agreed terms.
How are Payments Made
The eligible purchase amount plus applicable EPP interest is divided into equal monthly instalments. One instalment is included in the minimum amount due on each monthly credit card statement.
Under the current FAQ terms, the instalment becomes due 20 days after the statement date. Continue paying at least the minimum amount due by the stated due date so that your credit card remains in good standing.
How does EPP Affect the Credit Limit?
When the EPP is booked, the full purchase amount plus the total interest due over the selected EPP period reduces your available credit limit. Your available limit is gradually restored as the instalments are paid, in line with the principal amount repaid.
Before converting a purchase, consider whether the reduced available limit will still leave enough credit for your normal card spending and any upcoming transactions.
Payment Responsibility
Your monthly EPP instalment forms part of the minimum amount due on your DTB credit card statement. You must pay at least the statement's minimum amount by the due date.
If you miss or delay a payment, the card can fall into delinquency, late charges may apply, standard credit-card interest can apply to the outstanding amount, and the remaining balance may become due under the applicable card and EPP terms.
Early Repayment
You may settle the EPP in full before the end of the selected tenor without an additional early-settlement fee. Partial early settlement is not available.
Interest, fees or charges that have already accrued or been charged are not refunded when the plan is settled early.
If Your Card Is Closed
If the DTB credit card is cancelled or closed for any reason, the remaining EPP principal together with any pending equal instalment amount already billed becomes due immediately, subject to the applicable card and EPP terms.
Customer-Initiated Setup
After making an eligible purchase, call the DTB Contact Centre before the next statement date and request conversion of the transaction into an Equal Payment Plan.
DTB will communicate the interest rate, available tenor and monthly instalment. The plan is booked only after you explicitly accept the offer through a traceable communication channel, including a recorded phone call.
Bank Initiated
DTB may contact an eligible credit cardholder and offer the option to convert a qualifying transaction into an Equal Payment Plan. Before booking, the Bank will communicate the interest rate, tenor and monthly instalment and obtain customer consent through a traceable channel.
General Terms
DTB may modify, amend, withdraw or discontinue the EPP offer at its discretion.
DTB determines which transactions are eligible for conversion and may amend eligibility criteria for future transactions.
The repayment tenor cannot be changed after an EPP has been booked.
Partial early settlement is not available; full early settlement is permitted without an additional early-settlement fee.
Conversion of any transaction into EPP remains subject to DTB approval.
Changes to future EPP pricing or features do not alter the agreed terms of plans already booked.
FAQs
The Equal Payment Plan (EPP), offered through DTB’s Lipa Mdogo Mdogo product, allows credit card holders to convert eligible purchases into equal monthly instalments, making repayment more manageable.
You can set up an EPP by calling DTB Contact Centre to request an instalment plan after an eligible purchase. Please note that the call/notification to the call center must be done before the next statement date following the transaction
• Before you opt in, the Bank will inform you of:
• The applicable interest rate.
• The tenor/duration of the plan.
• You will be asked to give verbal consent on a recorded call.
The instalment tenors available are 3,6,9 & 12 Months
The minimum transaction amount that can be converted to EPP is Kes. 20,000
EPP is available for POS and E commerce transactions ONLY
No. The Equal Payment Plan is not available if the card account is delinquent.
To access the EPP, the card must be up to date with payments and in good standing.
EPP transactions reduce the available credit limit to the customer. The limit is restored as the instalments are paid out by the principal amount paid.
Yes. You may choose to convert one or multiple eligible transactions into equal monthly instalments within your credit limit.
Each instalment will appear on your monthly credit card statement and becomes due 20 days after the statement date.
Cancellation option is not available. The customer can pay off the EPP earlier. In this case, the interest already accrued is to be charged.
Equal Monthly Instalment on the EPP is part of the minimum amount due each month. The customer falls into delinquency in case of non-payment. The outstanding balance will then attract interest at the standard purchase rate.
You may have a limited number of active EPP plans, as determined by DTB. This limit may change from time to time.
Yes. DTB reserves the right to modify, amend, withdraw, or discontinue the Offer at any time. All decisions by the Bank regarding the Offer are final and binding.
Yes, if the e-commerce transaction meets DTB's EPP eligibility rules. The purchase must be over KES 20,000 and below KES 1 million, your card must be in good standing, and you must request conversion before the next statement date after the transaction. Approval remains at DTB's discretion.
Potentially yes. If you pay for the item using your DTB credit card at a POS terminal or eligible online merchant, the transaction is over KES 20,000 and below KES 1 million, and the other EPP conditions are met, you can request conversion into instalments. The purchase is not automatically converted; you must contact DTB before the next statement date and receive approval.
DTB Lipa Mdogo Mdogo converts an eligible purchase already made on your DTB credit card into instalments, while a personal loan is a separate credit facility that may have different amounts, tenors, fees and eligibility rules. For a specific planned expense, compare total borrowing cost, repayment period, approval process and whether you already have sufficient credit-card limit.
Compare the minimum and maximum eligible purchase amount, interest rate, repayment tenors, processing or other fees, whether online and POS purchases qualify, how the plan affects your credit limit, early-settlement rules, missed-payment consequences and how quickly you must request conversion. DTB Lipa Mdogo Mdogo currently offers eligible DTB credit cardholders 3, 6, 9 or 12-month options for qualifying POS/e-commerce purchases over KES 20,000 and below KES 1 million.
