Now get instalments with Bank Alfalah. FBL, UBL, and JS bank credit cards at checkout. Get instant Installment payments scheduled with Qisst Calculator (Red Button below Price Tag).              M&S Electronics ensures the best services and support in aftersale services in all brands, we thank our valued clients for shopping at M&S Electronics and always welcome your feedback.              For corporate inquiries please get in touch with us at 0309-9999054 (Call/Whatsapp)

Buy Now Pay Later In Pakistan l Installments with Credit Cards l Bank Alfalah l Faysal Bank

Installments @ 0% Markup with Bank Alfalah and Faysal Bank Credit Cards

Buy now pay later in Pakistan is the fastest growing segment in the consumer market nowadays. You buy a product and pay in equal monthly instalments which is an ease on the pocket. Every brand offers policies and procedures as per their internal company policies. We bring the best always for our customers.

You can get the same opportunity at as well.

One-Time Processing Fee Structure


  1. Pay in 3   @  6%+FED
  2. Pay in 6   @ 10%+FED
  3. Pay in 9   @ 13%+FED
  4. Pay in 12 @ 18%+FED

Faysal Bank

  1. Pay in 3   @  5%+FED
  2. Pay in 6   @ 10%+FED
  3. Pay in 9   @ 15%+FED
  4. Pay in 12 @ 20%+FED

Terms and Conditions:

The minimum purchase amount for each transaction (should include only one product) should be PKR 10,000 to book an Easy Monthly Instalment.

  1. Only customers opting for EMI on the checkout page are eligible for this promotion.
  2. The conversion of purchase to Easy Monthly Instalments may take up to 3 working days.
  3. Purchase on is to be made at least 3 working days before the next credit card statement is generated to ensure that the transaction is reflected in that statement. For example, if your statement date is January 24, 2023, then the purchase should be made before January 21, 2023
  4. If you make a purchase immediately after the statement date then the transaction will reflect in the next month’s statement.
  5. The Bank providing EMI service is acting as a corporate agent/distributor of third-party products/services and shall not be responsible in any manner to any person or to any claim.
  6. In case of order cancellations by, the installment plan will be canceled and no pre-payment charges will apply.
  7. In case of order cancellations, it is the customer’s responsibility to call and cancel the installment plan.
  8. Bank Alfalah and have the right to cancel this promotion at any time without any intimation.
  9. SBS Plan will be processed as per the assigned credit limit.
  10. New credit cardholders are not eligible to avail of SBS plans for the first 3 months, starting from the card activation date.
  11. For Faysal Bank credit card users will pay the processing fee to M&S later to their confirmed orders, our team will call for fee payment transfers.

Qisst Calculator:

We have provided ultra comfort and ease (In the shape of a Qisst Calculator) to our valued clients to estimate the exact price of their chosen product. Just click the red button “Qisst Calculator” and get the exact Installment Price.

Select your bank ( Alfalah or Faysal ) and your exact Installment plan will be displayed before the blinking of an eye. A sample is here.

How to make an installment purchase from M&S Electronics?

Step#1: Select the product and Add it to the Cart

Step#2: Proceed to checkout, after filling out the information form, select Payment Method “Installments (Credit Card)

Step#3: Select your bank, then select installment tenure, add your CNIC, and Proceed to Pay.

Step#4: You will be redirected to the Payment Portal where you will fill in the card info and will pay. Great! It’s Done

( Please note we use a secure payment gateway that guarantees the security of your personal data)

What is the lead time for delivery of my order?

After a successful purchase through Installments, we will wait for the bank’s confirmation usually comes within 72 hours (working). Then we will dispatch/deliver the goods to the customers. In most cases, we dispatch/deliver the goods on the same day.

How can I return an Installment product?

Not in all cases but in some acceptable circumstances, a return will be made with the bank’s approval. Some checks are applied before a reversal like the product’s condition, and delivery time (usually within the first 2 hours of delivery). Delayed information (later than 2 hours of delivery) for the return will surely restrict the possibility of reversal.

(Reversal MDR will be born by the customer)

Can I use any other bank’s credit card thank Bank Alfalah?

For now only Bank Alfalah and Faysal Bank but soon we are bringing other top banks too

Bank Alfalah and Faysal Bank are affiliate partners with M&S Electronics for buy now pay later plans of installments.

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