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With your ADIB Covered Card, you can now shop at the following stores and payback in easy installments of 3/6/9/12 months with 100% Waiver of Murabaha Monthly Profit and no processing fees.

Merchant NameTenureMinimum Transaction AmountLocationExceptionsCategory
Department of Finance (DOF)3, 6, or 12 monthsAED 500All Branches--
Home Centre3, 6, or 12 monthsAED 1000All Home Centre stores in UAE or from online website www.homecentre.com-Home Furniture
Abu Dhabi Police3,6 or 12 monthsAED 1,000All branches in Abu Dhabi-Utility
Harmanhouse LLC3 or 6 months

AED 1,000

All Harmanhouse stores in UAE

-

Electronics

Joyalukkas3 or 6 monthsAED 1,000All Joyalukkas stores in UAEGold coins and bars are not eligible for 0% EIPJewellery
Al Liali Jewellery3 or 6 monthsAED 1,000

All Al Liali stores in UAE

Gold coins and bars are not eligible for 0% EIP

Jewellery

Jacky's Retail (Operating Samsung Branded Stores)

3 or 6 months

AED 1,000

All Jacky's Retail stores (Samsung Branded) in UAE

-

Electronics

Jacky's Electronics

3 or 6 months

AED 1,000

All Jacky's Electronics stores in UAE

-

Electronics

Jumbo Electronics

3 or 6 months

AED 1,000

All Jumbo Electronics stores in UAE

-

Electronics

Emax

6 months

AED 1,000

All Emax stores in UAE

-

Electronics

EROS or Switch

3 or 6 months

AED 1,000

All EROS & Switch stores in UAE

-

Electronics

Sharaf DG3 or 6 monthsAED 1,000All Sharaf DG stores in UAE-Electronics
iSTYLE (Apple Premium Reseller)3 or 6 monthsAED 1,000All iSTYLE stores in UAE-Electronics
Cleartrip3 monthsAED 1,000cleartrip.ae-Travel
Apple3, 6, 9 or 12 monthsAED 1,000Apple’s outlets in the UAE or at the Apple Online Store (click here)-Electronics
Pure Gold3 or 6 monthsAED 1,000All Pure Gold stores in UAEGold coins and bars are not eligible for 0% EIPJewellery
Malabar Gold & Diamonds3 or 6 monthsAED 1,000All Malabar Gold & Diamonds stores in UAEGold coins and bars are not eligible for 0% EIPJewellery
Kalyan Jewelers3 or 6 months - Gold Purchases
3, 6 or 12 months - Diamond Purchases 		AED 1,000All Kalyan Jewellers stores in UAEGold coins and bars are not eligible for 0% EIPJewellery
Damas Medical Clinic3, 6 or 12 monthsAED 1,000Buhairah Sharjah-Health
Your Dental Medical Centre3, 6 or 12 monthsAED 1,000Khalifa City, Abu Dhabi-Health
SEDAR DÉCOR FACTORY LLC3 or 6 monthsAED 1,000All branches in UAE-Home Furniture
QAF Furniture6 months AED 5,000 All QAF Furniture stores in UAE-Home Furniture
New Medical CentreOnly 3 and 6 monthsAED 1,000 All Branches - Health
First Med ClinicOnly 3 and 6 monthsAED 1,000All Branches-Health
Treasures TravelOnly 3 months EIPAED 1,000 All Branches-Travel
Ajman Government3, 6, or 12 monthsAED 1000
All Ajman government departments- Government
Enagic Kangen Water Equipment Company6, or 12 monthsAED 1000 for 6 or 12 monthsAll Branches- -
Ali & Sons6 monthsAED 1000 for 6 monthsAll Branches- Automotive
Al Tayer Motors LLC and Premier Motors3, or 6 monthsAED 1000 for 3 or 6 monthsAll BranchesEIP applicable only on after sales purchases and service contracts.Automotive
Fine Care Specialized Medical Center 6, or 12 monthsAED 1000 for 6 or 12 mothsAll Branches--
Department of Economic Development3, 6 or 12 monthsAED 1000 for 3, 6 or 12 mothsAll Branches-Government
Lilac Medical Center 6, or 12 monthsAED 1000 for 6 or 12 mothsAll Branches--
AD Build 3, 6, or 12 monthsAED 1000
All Branches--
Uro Diagnostic Clinic3, 6, or 12 monthsAED 1000
All Branches-Health
Ministry of Health and Prevention (MOHAP)3, 6, or 12 monthsAED 1000 for 3, 6 or 12 mothsAll Branches--
SALEM AL SHUAIBI JEWELLERY3 or 6 monthsAED 1000 for 3 or 6 monthsAll Branches--
Ministry of Human Resource and Emiratization (MOHRE)3, 6, or 12 monthsAED 1000All Branches--

Cardholders can convert retail (purchase) transactions on their ADIB Covered Card into equal monthly installments.

Terms and Conditions:

  • Selected customers can convert any retail purchase transaction done on a valid Murabaha-based ADIB covered card into an Easy Installment Plan (EIP) within 30 days of the transaction date by calling ADIB Call Center (600543216) or via ADIB Mobile App.
  • Customer should not be overdue / delinquent at the time of booking the EIP.
  • Minimum amount that may be converted into an EIP is AED 1,000.
    On conversion, 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 will be converted into EIP for the tenor of the EIP.
  • 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.
  • The profit waiver amount and installment amount will be communicated and agreed with the customer before the EIP booking via ADIB Call Center or Mobile Banking App.
  • The first installment and waived Profit 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.
  • Existing minimum monthly payment schedule will apply.
    In the event, the payment due on card is not received on the account before the due date, the Murabaha Monthly Installment (Profit) would not be proportionally waived for such EIP transaction.
  • ADIB reserves the rights to decline a request by any customer to avail this facility based on the prevailing policies and procedures.
  • 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.
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