iPhone 13 Installment Plans from Apple and iSTYLE in UAE (2025)

You are not alone if you plan to purchase an iPhone 13 in the UAE, but you don’t want to pay the full amount all at once. Both Apple and iSTYLE allow you to pay in monthly instalments, which usually 0% interest on the purchase. However, each store has a slightly different mechanism, and this process is also dependent on the bank that you use.

We will take you through the entire breakdown to ensure you know precisely what you will get before making a purchase.

Buying an iPhone 13 from Apple UAE with Installments

Upon purchase of products directly at the Apple Online Store or at an Apple Retail Store in the UAE, you may pay on monthly installments in the event you are using a bank credit card that is supported. Apple is not a firm that provides direct installment checkout. Instead, here’s how it works.

You choose your iPhone 13 model, add it to your cart, and pay for it with your credit card. Once the purchase has been made, you must contact your bank and request that it convert the purchase to a 0% installment plan. All banks have their own terminologies, including the minimum payment amount, the transaction fee (if applicable), and the number of months for dividing the costs.

Installment plans offered by Apple will only be available when the total amount spent exceeds AED 1,000. This is not an issue with the majority of iPhone 13 models, as the prices start at approximately AED 2,299.

The financial institutions that finance this approach are ADCB, ADIB, Citibank, Emirates NBD, First Abu Dhabi Bank (FAB), and Mashreq. As an illustration, in the case of the FAB credit card, one can apply for an installment directly through the FAB mobile application or send an SMS containing the word ‘EPP’ to 2121.

 Each bank has a slightly different application process, and some may require you to call them directly.

Buying an iPhone 13 from iSTYLE in the UAE on Installments

iSTYLE is one of the official Apple resellers in the UAE. It offers flexible installment options both online and in-store, using credit cards from several central UAE banks. Just like Apple, iSTYLE doesn’t split your payment at checkout. Instead, your credit card is charged for the full amount, and then you must contact your bank to arrange for the transaction to be converted into monthly payments.

Here’s how the process works:

First, choose your iPhone 13 model and ensure your order total is at least AED 1,000. After placing the order, the full amount is debited from your credit card. At this point, your credit limit will temporarily drop by the transaction amount.

Next, you contact your bank and ask to convert the transaction into an installment plan. Within 1 to 3 working days (depending on the bank), your bank will convert the transaction into an Equal Payment Plan (EPP). After that, you’ll pay your monthly installment as part of your regular credit card bill.

Let’s say your credit limit is AED 10,000 and you buy an iPhone 13 worth AED 2,500. Once your bank converts it to a 5-month installment plan, you’ll pay AED 500 per month, and your credit limit will slowly be restored as you pay.

Banks That Support Installments with iSTYLE and Apple UAE

Here are some of the banks that support installment plans with Apple and iSTYLE in the UAE, including details like processing fees, minimum purchase amounts, and durations:

RAKBANK

You can convert your purchase into 0% installments for up to 48 months. There’s no processing fee and 0% interest. You can also receive 10% cashback, up to AED 350, when you spend a minimum of AED 2,000. This offer is valid until 30 September 2025. To apply for a RAKBANK credit card, UAE residents must be at least 18 years old (or 21 for expats) with a salary of AED 5,000 or more. If you already have a card, you can call the iSTYLE helpline or RAKBANK directly.

ADCB

ADCB offers 0% installment plans for 3 or 6 months. A one-time processing fee of AED 50 applies per transaction. Your purchase must be a minimum of AED 1,000. After purchasing the iPhone, call 600 50 2030 to activate the installment plan.

ADIB

ADIB lets you convert purchases into installments with no processing fee. Minimum purchase is usually AED 1,000. Call 600 54 3216 to convert the transaction after purchase.

Citibank

Citibank supports 0% EPP for 3, 6, or 9 months. A 1% one-time processing fee applies to the transaction value. Minimum spend is AED 1,000. You can visit Citibank’s online portal or call 04 311 4000 for assistance.

Dubai Islamic Bank

You can use this bank for 6 or 12-month plans with no processing fee. The minimum purchase is AED 500. To activate the plan, simply SMS “ZERO” to 4224.

Emirates NBD

Emirates NBD offers 6-month installment plans with a processing fee of AED 49. Minimum spend is AED 1,000. Call 600 54 0000 to request the plan.

Emirates Islamic Bank

This bank also offers 0% EPP for 3, 6, or 12 months. There’s no processing fee, and the minimum transaction is just AED 500. Call 600 599995 after making the purchase.

First Abu Dhabi Bank (FAB)

FAB allows 0% installments for 3, 6, and 12 months, but charges a small processing fee:

You can apply directly using the FAB mobile app or send an SMS with “EPP” to 2121. You must spend a minimum of AED 500. For more help, call 600 52 5500.

HSBC

HSBC also supports 3 and 6-month plans. There’s no processing fee, and the process is very straightforward. Just contact HSBC after your purchase to request the installment.

How Long Can You Spread the Payments?

The duration of the plan depends on your bank. Here’s an overview of how many months you can choose:

Final Thoughts

If you’re planning to buy an iPhone 13 in the UAE, installment plans are available through Apple and iSTYLE using most major credit cards. The most flexible option is probably RAKBANK, offering plans of up to 48 months with no fees. However, other banks, such as ADIB, Citibank, FAB, and Emirates Islamic, also offer solid choices.

Before you choose your plan, make sure you:

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