A 0% Installment Plan is a payment solution provided by PAN Emirates and its partner banks where you can pay monthly installments on your purchase if the transaction is over 1,000 AED. You will not be subject to interest charges for the entire duration of the payment plan. You will be eligible for this plan if you have a credit card from any of these banks:;

• DUBAI ISLAMIC BANK.
• EMIRATES Islamic Bank.
• Mawarid Finance.
• EMIRATES NBD.
• RAK BANK.
• Samba FG.
• ADCB.
• NAJM.
• FAB.

To get started you have two options:

1. You can choose the 0% Installment Plan option directly from our checkout page if you have a credit card with our partner banks mentioned above
2. Contact your bank, or sign in to online banking to check if you are eligible for our 0% Installments plan. Please ensure you have a credit card with our mentioned partner banks.

Merchant name: Panemirates.com

Date of Order: The date you place your order on Panemirates.com

Order Amount: The total value of your order

Order ID: You can find this in My Account/My Orders

Tenure of the plan required: 3/6/9/12 months

Unfortunately, no as the 0% Installment plan can only be available on the listed credit cards.

0% Installments is a plan that provides you the freedom to pay for your purchase in easy monthly installments over a specific duration without any added interest charges. This means you will not pay any interest charges whatsoever. However, your bank might charge a nominal processing fee, please refer to the table below to know about the exact charges.

Definitely. You may request a return to our customer care team and once it's processed, you will get full refund in your Pan Emirates account. Further on, you have two options - either 1. you can use the amount for your next purchase or 2. you can request a transfer to your credit card that was used for purchase.

Please ensure that you stick to payment deadlines as your bank may charge you a penalty, interest fee or both when you fail to clear outstanding installments. Please confirm with your bank about the charges in advance..

It may take 3-5 business days to activate the plan.

Check the table below to know more about the tenures and fees related to your bank:

We will provide you with a confirmation email that confirms your order using 0% Installments Plan. It will also appear in your monthly bank statement. Please contact with your bank for more details.

Definitely, it is completely possible to have multiple numbers of transactions on 0% installments.

Yes, definitely.

Yes, you can, if your purchase amount is more than 1000 DHS after deducting the coupon amount.