Tabby vs Tamara – Which BNPL is Best for Electronics in UAE? Buy Now Pay Later (BNPL) has transformed how people shop for electronics in the UAE. Instead of paying AED 4,000+ upfront for an iPhone or MacBook, you can split the cost into manageable monthly installments — often with zero interest. The two biggest players in the UAE are Tabby and Tamara. But which one is better for buying electronics in Dubai? What is Tabby? Tabby is a UAE-based BNPL platform that lets you split purchases into 4 interest-free payments over 6 weeks, or pay in monthly installments over 3–12 months. It's widely accepted across major UAE retailers and is available at iPoint. Split in 4: Pay 25% now, then 3 equal payments every 2 weeks Monthly installments: 3, 6, or 12 months (some plans may include fees) Spending limit: Up to AED 10,000+ Approval: Instant, soft credit check only App: Available on iOS and Android What is Tamara? Tamara is a Saudi-founded BNPL platform with strong UAE presence. It offers similar split payment options and is accepted at thousands of UAE merchants including electronics retailers. Split in 3 or 4: Interest-free installments over 6–8 weeks Monthly installments: Up to 12 months Spending limit: Up to AED 8,000+ Approval: Instant, no hard credit check App: Available on iOS and Android Tabby vs Tamara – Side by Side Feature Tabby Tamara Split payments 4 payments 3 or 4 payments Interest-free Yes (split in 4) Yes (split in 3/4) Monthly plans Up to 12 months Up to 12 months Max limit AED 10,000+ AED 8,000+ Late fees Yes Yes UAE acceptance Very wide Wide Which is Better for Buying Electronics in UAE? For iPhones and MacBooks: Tabby is generally the better choice due to its higher spending limits (important for premium devices) and wider merchant acceptance in the UAE electronics market. Browse our full range of iPhones and MacBooks at iPoint. For mid-range devices: Both Tabby and Tamara work equally well for purchases under AED 5,000. For Samsung devices: Both platforms are accepted, so choose whichever you already have an account with. See our Best Samsung Galaxy UAE 2026 guide. Tips for Using BNPL Wisely in UAE Always pay on time — late fees can add up quickly Don't use BNPL for more than you can comfortably repay Check if the merchant offers 0% installments directly — sometimes better than BNPL Use BNPL for planned purchases, not impulse buys Shop with Tabby & Tamara at iPoint At iPoint Dubai, we accept both Tabby and Tamara on all purchases. Split the cost of your new iPhone, MacBook, or Samsung device into easy installments with zero interest. Shop online at ipoint.ae or visit our Bur Dubai store today.