TOOLS & CALCULATORS HELP ME CHOOSE A CARD

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
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 LLC

3 or 6 months

AED 1,000

All Harmanhouse stores in UAE

-

Electronics

VLCC

3 or 6 months

AED 2,500

All VLCC centers in UAE

-

Health

Joyalukkas

3 or 6 months

AED 1,000

All Joyalukkas stores in UAE

Gold coins and bars are not eligible for 0% EIP

Jewellery

Al Liali Jewellery

3 or 6 months

AED 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

Best Value General Trading (Sony Store in Dubai)

3 or 6 months

AED 1,000

Best Value General Trading (Sony Store in Dubai)

-

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 DG

3 or 6 months

AED 1,000

All Sharaf DG stores in UAE

-

Electronics

iSTYLE (Apple Premium Reseller)

3 or 6 months

AED 1,000

All iSTYLE stores in UAE

-

Electronics

Cleartrip

3 months

AED 1,000

cleartrip.ae

-

Travel

Apple

3, 6, 9 or 12 months

AED 1,000

Apple’s outlets in the UAE or at the Apple Online Store (click here)​

-

Electronics

Pure Gold

3 or 6 months

AED 1,000

All Pure Gold stores in UAE

Gold coins and bars are not eligible for 0% EIPJewellery
​Malabar Gold & Diamonds3 or 6 months​​AED 1,000​All Malabar Gold & Diamonds stores in UAEGold coins and bars are not eligible for 0% EIP​Jewellery
Kalyan Jewelers​3 or 6 months - Gold Purchases
3, 6 or 12 months - Diamond Purchases
​AED 1,000​All Kalyan Jewellers stores in UAE​Gold coins and bars are not eligible for 0% EIPJewellery​​​​​​
​Saudi German Hospital3 or 6 months​​AED, 5000​Saudi German Hospital, Al Barsha, Dubai, UAE​-​Health
​Damas Medical Clinic3, 6 or 12 months​AED 1,000​Buhairah Sharjah​​-​Health
Danube Home LLC3 or 6 months​AED 1,000​All Danube Home stores  ​in the UAE​-Home décor
Your Dental Medical Centre3, 6 or 12 months​AED 1,000​Khalifa City, Abu Dhabi​-Health

Emirates Motor Company

3, 6 or 12 months​​AED 5,000
AED 10,000​
EMC, Abu Dhabi​-Automotive
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
Al Bady TravelOnly 3 months EIPAED 1,000 All Branches- Travel
Treasures TravelOnly 3 months EIPAED 1,000 All Branches-Travel
​Auto Trust (Rostomani Group)​Only 3,6 and 12 monthsAED 1,000​All Branches​-​Automotive
Ajman Government3, 6, or 12 monthsAED 1000
All Ajman government departments- Government
​Al Masaood Auto​3, 6, or 12 months​AED 1000 for 3 or 6 moths and AED 5000 for 12 months​All Branches​-​Automotive
​Enagic Kangen Water Equipment Company​6, or 12 months​AED 1000 for 6 or 12 months​All Branches​--
​Ali & Sons​6 months​AED 1000 for 6 months​All Branches​-Automotive
​Al Tayer Motors LLC and Premier Motors3, or 6 months​AED 1000 for 3 or 6 monthsAll Branches​EIP applicable only on after sales purchases and service contracts.​Automotive
Fine Care Specialized Medical Center ​6, or 12 monthsAED 1000 for 6 or 12 moths​All Branches​-​-
Department of Economic Development​3, 6 or 12 monthsAED 1000 for 3, 6 or 12 moths​All Branches​-​Government
Lilac Medical Center ​6, or 12 monthsAED 1000 for 6 or 12 moths​All Branches​--
AD Build ​3, 6, or 12 monthsAED 1000​
​All Branches​--

Important Terms and Conditions for 0% EIP:

  • Customer has to call the ADIB Call Centre (600543216) to convert eligible transaction into EIP.
  • Easy Installment Plan (EIP) has to be availed within 30 days from the date of the transaction.
  • EIP offer is eligible on all ADIB Covered Cards, however, delinquent, blocked or self-funded card customers will not be eligible for EIP.
  • Tenure and minimum transaction amount (including any exception on purchases) to convert an eligible transaction into EIP are stated under respective merchant.
  • Customer outstanding balance + EIP amount should not exceed 95% of the card limit.
  • ADIB Covered Card Terms and Conditions shall apply which prohibit using ADIB Card to purchase any non-Shari’a compliant items as determined by ADIB’s Fatwa and Shari’a Supervisory Board.