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Discover the convenience of selecting an Easy Instalment Plan (EIP) at the time of your purchases* right at the checkout counter.

What’s more, enjoy no processing fees!

*only applicable at participating merchants​

How it Works:

 

Step 1:

Spend a minimum of AED 500 at participating outlets using ADIB Visa Covered Card.
 

Step 2:

Point-of-sale (POS) will prompt if you would like to convert the purchase to instalments, select Yes.
 

Step 3:

Select the EIP plan and the preferred tenure from the options on the machine and submit.
 
Once transaction is processed, you will receive a slip from the machine with the EIP details.
 
Upon successful conversion to EIP, a confirmation email will be sent to you on your registered email with ADIB.

*List of participating merchants:

Sharaf DG

Participating location

Abu Dhabi

Abu Dhabi Mall Al Wahda Mall Dalma Mall Mushriff Mall

Al Ain

Al Ain Mall – Al Ain

Dubai

Al Rafaa Deira City Centre Dubai Hills Mall Dubai Mall Ibn Batuta Mall Mall Of Emirates Mankhool Time Square Centre Mirdiff City Centre Burjuman Center Bur Dubai

Sharjah

Mega Mall Zahiya Mall Sharjah City Cente

Ajman

Ajman City Center

Samsung (by Jacky's)

Participating location

Abu Dhabi

Khalidiyah Mall

Dubai

Burjuman Centre Deira City Centre Mall of the Emirates

Sharjah

Zahia City Centre

Geekay

Abu Dhabi

Participating location
Dalma Mall
Yas Mall
Bawadi Mall
Reem Mall
Al Seef Village Mall

Dubai

Participating location
Al Khawaneej Mall
Jumeirah Park Pavilion
Dubai Hills Mall
Mall of the Emirates
Mirdif City Center

Ajman

Participating location
Ajman City Centre

Sharjah and Northern Emirates

Participating location
City Centre Al Zahia

Homes R Us

Abu Dhabi

Participating location
Deerfields Mall
Mina Center, Port Zayed
Madinat Zayed Gold Centre
Bawabat Al Sharq
Al Shariya Area, Near Jebel Roundabout - Al Ain

Dubai

Participating location
Zabeel Furniture Mall
Ibn Battuta Mall
Arabian Center
Amsaf Mall, Al Wasl Road, Jumeirah

Ajman

Participating location
Last Chance Hyper market, Al Jurf

Sharjah and Northern Emirates

Participating location
Al Qasimia Street, Industrial Area 4 - Sharjah
Manar Mall - Ras Al Khaimah
Al Hlaifat - Fujairah

Mom Stores

Abu Dhabi

Participating location
The Galleria Mall - Abu Dhabi

Dubai

Participating location
Al Safa Park
Dubai Hills Mall
Dubai Mall
Dubai Outlet Mall
Mall of the Emirates
Mirdif City Center

Jacky's (Retail)

Participating location

Dubai

Deira City Centre Dubai Hills Mall Nasser Square, Deira

Ajman

Ajman City Centre

iStyle

Participating locations

Dubai

Mirdif City Centre

LifeStyle Jewelry

Participating locations

Abu Dhabi

Abu Dhabi MallAl Wahda Mall (Kiosk)Dalma MallDeerfields MallKhalidiyah MallMarina MallMushriff MallYas Mall

Al Ain

Al Ain Mall

Dubai

Al Ghurair CentreArabian CenterBurjuman CentreDubai MallDubai Outlet MallGold and Diamond ParkGold Souq ExtensionIbn Battuta MallIbn Battuta Mall (Kiosk)The Gold Centre

Sharjah

City Centre SharjahMega Mall

Emirates Driving Institute

Participating locations

Ajman

City Center Ajman

Dubai

Al Qusais Abra Al Aweer Al Ghurair Centre Al Khawaneej Al Khawaneej Walk Al Nasr Central, Oud Metha Al Quoz Al Rafaa Al Reef Mall Al Tawar Center Arabian Center Aswaq Mall, Al Mizhar Aswaq Mall, Al Warqa Baniyas Square Metro Station Bin Sougat Burjuman Business Bay City Center Mirdif City Centre Deira City Centre Meaisem City Centre Shindaga Deira (Near Fish Market) Dubai Academic City Dubai Festival City Dubai International City Dubai Knowledge Village Dubai Mall Dubai Marina Mall Firij Al Murar 1 Firij Al Murar 2 Grand City Mall Hatta Hor Al Anz Ibn Battuta Mall Jumeirah Lake Towers Jumeirah Road, Jumeirah Karama Lulu Hypermarket, Barsha Lulu Village Mall of the Emirates Mina Al Rashid Musalla My City Center Al Barsha Naif Nakheel Mall Port Saeed Rolla Satwa Uptown Mirdiff

Al Masaood Automobiles

Participating locations

Abu Dhabi

Adnoc Petrol Pump Corniche Adnoc Petrol Pump Reem Island Adnoc Petrol Pump, Al Bahia Adnoc Petrol Pump, Samha Adnoc Petrol Pump, Khalifa City A Adnoc Petrol Pump, Mahawai Adnoc Petrol Pump,Mushrif ARB Emirates, Musaffah M3 Service Center, Airport Road Auto Leasing, Musaaffah Complex Autocentral Showroom, Beda Zyed, Al Dhafra Autocentral Showroom, Mussaffah Complex Autocentral Showroom, Sanaya Automobile Parts Dept, Sanaiya Al Ain Automobile Showroom, Khalidiya Automobile Showroom, Najda Al Danah Automobile Showroom, Sanaiya Al Ain Batteries and Accessories, Sanaiya Al Ain Infiniti Showroom Corniche Madinat Zayed, Al Dhafra Opposite One Hotel Abu Dhabi (Adnoc Petrol Pump Sea Place) Service Center Mussaffah Complex M12 Showroom Mussaffah Complex M12 Showroom Mussaffah Complex M13

Dubai

Damascus Street, Al Qusais Rolls Royce Power Systems, Dubai Maritime City Volvo Penta, Dubai Maritime City

Jashanmal

Participating locations

Abu Dhabi

Around the World, Al Ain Mall Department Store, Al Ain Mall

Dubai

Around the World, Burjuman Centre Around the World, City Centre Deira Around the World, City Centre Deira Around the World, Dubai Outlet Mall Around the World, Dubai Outlet Mall Department Store, BurJuman Center Department Store, City Center Mirdif Department Store, DIFC Ibn Battuta Mall (Kiosk) Department Store, DIFC Gate Avenue Mall Department Store, Dubai Mall Department Store, Mall of the Emirates Department Store, Nakheel Mall Jashanmal Fashion, Dubai Outlet Mall Jashanmal Fashion, Outlet Village Jashanmal Travel, DIFC

Sharjah

Department Store, Sahara Centre

Majestic

Participating locations

Dubai

Majestic City Retreat Hotel Majestic Premier Hotel

Max and Co

Participating locations

Dubai

City Center Mirdif Dubai Mall

Calvin Klein

Participating locations

Dubai

Dubai Festival City Dubai Mall Mall of the Emirates

Brooks Brothers

Participating locations

Dubai

Dubai Hills Mall Dubai Mall Mall of the Emirates

Chicco

Participating locations

Dubai

City Centre Mirdif

Lancel

Participating locations

Dubai

Dubai Mall

Paul and Shark

Participating locations

Dubai

Mall of the Emirates Dubai Outlet Village

Porsche Design

Participating locations

Dubai

Dubai Mall Mall of the Emirates

Reiss

Participating locations

Dubai

Dubai Mall

Santoni

Participating locations

Dubai

Dubai Mall

Replay

Participating locations

Dubai

Dubai Mall Dubai Hills Mall

Bally

Participating locations

Dubai

City Centre Mirdif Dubai Mall Dubai Outlet Village Mall of the Emirates

Kipling

Participating locations

Dubai

City Centre Deira City Centre Mirdif Dubai Festival City Dubai Mall Mercato Mall

Sharjah Driving Institute

Participating locations

Sharjah

Al Rahmaniya Mall Al Sajja American University of Sharjah Sahara Mall Al Nasiriyah Qasmi street Al Dhaid Khor Fakkan Kalba Dibba Al-Hisn Rolla Saif Zone

Clarks

Participating locations

Dubai

Al Ghurair Mall City Centre Deira City Centre Mirdif Dubai Festival City Dubai Mall Dubai Mall (Clarks Kids) Dubai Outlet Mall Ibn Battuta Mall Mall of the Emirates

United Colours of Benetton

Participating locations

Dubai

Dubai Mall (UCB Kids)​​

EIP at Point-of-sale Terms and Conditions:

  1. Selected customers can convert retail purchase transaction done on a valid Murabaha-based ADIB covered card into an Easy Instalment Plan (EIP) through the POS (point-of-sale) machine at the time of making the transaction.
  2. The service is only applicable at select merchants.
  3. Customer should not be overdue / delinquent at the time of booking the EIP.
  4. The minimum transaction amount when selecting EIP is AED 500.
  5. When selecting EIP, the customer will be entitled to full or partial waiver of the Murabaha Monthly Installment (Profit) in a proportional manner to the amount of the transaction that is related to EIP for the agreed upon tenor. Any such waiver shall be at the full discretion of ADIB, and approval of such waiver will not imply that ADIB would have obligation to repeat such action in future. In this case, the applicable monthly Murabaha profit rate in a proportional manner to the amount of the transaction that is related to EIP will be 0% for the agreed upon tenor, and with no processing fees.
  6. The first installment and waived Profit, if any, will start from the subsequent month of the month in which the EIP transaction has been executed, and every month the equal instalment and the waived Profit will be reflected in monthly statement until the date of last installment.
  7. Customer will have to continue to make at least minimum payment of the monthly used amount from the cover limit of his/her ADIB Covered Card to avoid violating his/her contractual obligation and affecting his/her credit rating
  8. ADIB reserves the rights to decline a request by any customer to avail this facility based on the prevailing policies and procedures.
  9. ADIB encourages customers to use their Covered cards only for necessary expenditures only.
  10. By opting for this product, customer agrees to be bound by all other ADIB Covered Card Terms and Conditions that prohibit using ADIB Covered Card to purchase any non-Shari'a compliant products or services as determined by ADIB's Internal Shari’a Supervisory Committee including but not limited to alcohol, pork products, gambling, tobacco, casinos, bars, …etc.