Credit cards have long been a tool for making impulse purchases without immediate financial worries, but they come with risks such as late fees and high-interest rates if balances aren’t paid off on time. A new global trend, Buy Now, Pay Later (BNPL), is changing how people shop, and in the UAE, Tabby UAE is leading the charge. This innovative platform allows consumers to make purchases without paying the full amount upfront—without high-interest rates or even a credit card. Thanks to credit risk checks, late fee policies, and blocks on defaulting users, merchants are also protected.

Unlike major purchases like homes or vehicles, Tabby focuses on everyday indulgences such as fashion, beauty, furniture, electronics, and travel.

What is Tabby Card?

Tabby isn’t just another shopping app—it’s your go-to companion for smarter shopping. Launched in 2019 across the UAE and Saudi Arabia, Tabby offers a “Buy Now, Pay Later” (BNPL) service, letting you split purchases into four interest-free installments. No interest, no hidden fees—just shop and pay in easy steps!

At checkout, choose Tabby as your payment option. Pay just 25% upfront, and spread the rest over three months. Prefer shopping in-store? Use the Tabby Card for partner retailers or activate Tabby+ to shop anywhere that accepts VISA payments.

Key Benefits of Tabby Card:

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Freedom & Flexibility

Tabby allows you to shop without sweating about payments immediately.

Interest-free

Credit cards or traditional loans charge interest. Tabby doesn’t.

Safe & Secure

Shop with confidence knowing that your transactions are protected by cutting-edge.

Choices Galore

Tabby has partnered with a wide range of retailers to ensure there’s something for everyone.

A Step-by-Step Guide To Using Tabby App

Using Tabby is even if you’re new to the world of BNPL apps. Here’s a quick guide to get you started:

1. Download the Tabby App

Obviously, the first step is downloading the Tabby app from the App Store or Google Play. It’s free and barely takes a minute.

2. Signing-Up

Create an account using your ID and a valid debit or credit card issued by a UAE bank. You may be asked to provide additional documents for verification, but the process is usually quick and hassle-free.

3. Shop Till You Drop

Browse through Tabby’s extensive list of partner stores and add your favorite items to your cart.

4. Choose Tabby at Checkout

Once you’re ready to check out, choose Tabby as your payment method. Simply confirm your mobile number and email, then enter the 4-digit verification code to complete your purchase.

5. Pay ONLY 25% Upfront

At the time of purchase, you’ll pay just 25% of the total amount, with the remaining balance divided into three equal monthly installments.

6. Enjoy!

With your payment plan set, you’re all set! Your order will be processed, and your items are on their way. Enjoy your purchase!

What If You Miss a Payment?

Payment Reminders

Tabby will send you regular reminders before your payment is due, helping you stay on top of your installments.

Service Suspension

Let’s say you missed a payment, Tabby’s service will be temporarily suspended until the outstanding amount is paid.

Collection Fee

This fee is designed to cover the cost of processing the missed payment and to encourage timely payments.

Contact Tabby

If you’re having trouble making a payment, it’s always a good idea to contact Tabby’s customer service team.

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FAQs About Tabby UAE

01 What is the Tabby Card?

A Tabby Card is a digital Visa card that gives you the freedom to split your purchases into 4 payments at any store in the UAE.With the Tabby Card, you can make payments
In-store at Tabby partner stores for free
Anywhere else VISA is accepted, providing you have activated Tabby+

To use your Tabby Card, add it to Apple Pay, Samsung Pay or Google Pay and use your phone at checkout like you would with any other digital debit or credit card.Learn more about how Tabby Card works.

02 How do I apply for a Tabby Card?

Download the Tabby app and sign up
Tap Get your card on the home screen
Complete the one-time setup and verify your identity to get your card in just a few minutes.

03 Am I eligible for the Tabby Card?

To be eligible for a Tabby Card, you must:
Be at least 18 years of age
Be a UAE resident with a valid Emirates ID
Have a valid debit or credit card to link for Tabby repayments
Have a good credit history

04 Who can use Tabby?

Tabby is available to UAE and KSA citizens aged 18 or older.

05 Is Tabby free?

Yes, as long as payments are made on time, there are no fees or interest charges.

06 What happens if I miss a payment?

A late fee of AED 14 (or SAR 14.35) is charged if payment isn’t made within 14 days of delivery. Overdue fees double every two weeks but are capped at the third late fee. If the overdue amount is not resolved within two additional weeks, a collection fee of SAR 30 applies.

Conclusion

Tabby UAE provides the ultimate shopping flexibility, allowing you to pay for the things you love without upfront costs or interest. With certifications such as PCI-DSS compliance, Shari’ah approval, and a permit from the Saudi Central Bank, Tabby ensures secure and reliable transactions.

For merchants looking to integrate Tabby or any other payment gateway into their ecommerce website development, a skilled web development team can ensure seamless integration. This enhances customer confidence and streamlines the shopping experience, boosting sales and fostering loyalty.

Tabby UAE – What is Tabby Card & How it works? | NetSoft