Best Credit Cards for EMI Offers in UAE 

If you like to buy big items and pay later in easy monthly installments, EMI (Equated Monthly Installment) credit cards are a smart option. In the UAE, many banks offer flexible EMI plans with low or even 0% interest on selected merchants.

Here’s a simple guide to the best credit cards for EMI offers in the UAE.

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  1. Emirates NBD Credit Cards

Why It’s Good for EMI:

• Easy Pay installment plans

• 0% EMI at selected retail partners

• Flexible tenure (3, 6, 12 months or more)

• Online conversion via mobile banking

Best For: Electronics, furniture, travel bookings

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  2. ADCB Credit Cards

ADCB offers “Smart Installment Plans” that allow you to convert purchases into EMIs after buying.

Features:

• Convert transactions above a minimum amount

• Competitive interest rates

• Special 0% EMI promotions

• Wide retail partnerships

Best For: High-value purchases like smartphones and appliances

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  3. Dubai Islamic Bank Credit Cards

Dubai Islamic Bank provides Sharia-compliant installment options.

Benefits:

• Flexible repayment plans

• Easy installment request via app

• Retail and lifestyle EMI offers

Best For: Customers looking for Islamic banking options

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  4. Mashreq Credit Cards

Mashreq offers “Easy Payment Plan” on eligible transactions.

Highlights:

• 0% installment plans during promotions

• Quick approval

• Available on online and offline purchases

Best For: Travel, education fees, lifestyle shopping

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  5. HSBC UAE Credit Cards

HSBC offers balance conversion and installment plans.

Key Points:

• Flexible tenure options

• EMI conversion through app

• Special seasonal offers

Best For: Premium cardholders and frequent shoppers

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  How EMI Works in UAE

1. Make a purchase above minimum amount (usually AED 1,000+).

2. Convert it to EMI via banking app or call center.

3. Pay fixed monthly amount.

4. Some plans offer 0% interest but may charge processing fees.

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  Important Things to Check

• Processing fee (1%–3%)

• Early settlement charges

• Minimum transaction value

• Eligibility criteria

• Merchant restrictions

Even 0% EMI may include small fees, so always read terms carefully.