Planning a family stay in Dubai, a weekend in Ras Al Khaimah, or a longer trip that spans several emirates? We book hotels across the UAE and let you split the cost into monthly payments through Tabby, Tamara or your UAE credit card, so you can plan the trip you actually want rather than the one that just fits into next month’s budget.
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How Hotel Installments Work with White Sky Travel
The process is genuinely simple, and no different from how you would book with any travel agency, except that the payment is split over time rather than taken all at once.
- Tell us where you want to stay, when, and how many rooms you need. Message us on WhatsApp or through our website.
- We send you options across your budget, with the total cost clearly shown.
- Choose your payment method: Tabby, Tamara, or a UAE credit card monthly plan.
- Pay your first instalment. The remaining payments are scheduled automatically by your chosen provider.
- We confirm the booking and send you your hotel voucher, ready to check in.
You do not wait for the full amount to be paid before your booking is confirmed. Once your first instalment goes through and your payment plan is approved, your reservation is set.
Your Payment Options, in Plain Terms
Each of the three routes works a little differently, and the right choice depends on how long you want to spread the cost, whether you hold a UAE credit card, and your total booking amount.
Tabby
Tabby’s core option is to split your booking into four scheduled payments, and for eligible bookings you can spread the cost across longer periods too. All payment amounts and any applicable fees are shown to you inside the Tabby app before you agree to the plan, so you always see the full picture before confirming. Tabby is regulated by the Central Bank of the UAE.
To use Tabby, you need to be a UAE resident aged 18 or over, with a valid Emirates ID and a linked UAE debit or credit card. Approval is instant.
Tamara
Tamara lets you split your hotel booking into scheduled payments over the coming weeks, with your first instalment paid at the time of booking and the rest scheduled automatically. Tamara received a restricted finance license from the Central Bank of the UAE in October 2025, and you see every payment date and amount before you agree.
Eligibility works similarly to Tabby: UAE resident, Emirates ID, valid UAE card, aged 18 or over.
UAE Credit Card Monthly Plans
If you already hold a UAE credit card with Emirates NBD, ADCB, First Abu Dhabi Bank, RAKBANK, Mashreq or HSBC, your bank almost certainly offers a monthly instalment plan that lets you spread the cost across up to 12 months. This is the route to choose when your booking is larger or when you want the longest possible payment period.
Tenors, minimum booking amounts and any processing fees are set by your bank, not by us. We help you understand what your bank offers and complete the booking once your plan is approved.
Which Option Suits You
As a rule of thumb:
- Smaller booking, want it split quickly: Tabby’s four-payment plan often fits best.
- Medium booking, want a slightly longer spread: Tamara or Tabby’s longer eligible plans.
- Larger booking, want up to 12 months: UAE credit card monthly plan through your bank.
If you are not sure which one applies to your situation, message us and we will walk you through it.
Example Booking Calculations
The easiest way to see how installments work is with a real number. Below are three examples across common booking types. Actual instalment amounts depend on your provider and any fees that apply, and are always shown to you before you confirm.
Weekend family stay, AED 3,000 total. Through Tabby’s four-payment plan, that becomes four scheduled payments of AED 750, the first at booking and the rest spread across the following weeks.
One week Dubai holiday, AED 7,000 total. Through a UAE credit card three month plan, that becomes three payments of about AED 2,333 per month.
Two week family trip across emirates, AED 12,000 total. Through a UAE credit card 12 month plan, that becomes 12 payments of AED 1,000 per month, letting you book the full trip now and pay across the year.
Hotels We Book Across All Seven Emirates
We book hotels and hotel apartments across every part of the UAE, so you are not limited to just Dubai.
Dubai. Downtown, Marina, JBR, Palm Jumeirah, Deira, Bur Dubai, Business Bay, Barsha Heights, DIFC, and everywhere in between. Whether you want the view from a five star tower or a family friendly apartment near the metro, we have options.
Abu Dhabi. Corniche hotels, Yas Island resorts, Saadiyat Island beach stays, and city centre business hotels. Great for family stays, weekend breaks from Dubai, and longer visits.
Sharjah. Corniche hotels, Al Majaz Waterfront apartments, and Al Khan beach stays. A shorter drive from Dubai and often better value for longer stays.
Ras Al Khaimah. Al Marjan Island resorts, beach hotels, and mountain retreats near Jebel Jais. RAK is one of the fastest growing weekend destinations for UAE residents.
Ajman, Fujairah and Umm Al Quwain. Beach hotels, family resorts, and quieter stays away from the busier tourist areas of Dubai and Abu Dhabi. All bookable on the same installment plans as everywhere else.
Who Can Use Installment Payments
Installment payments through Tabby, Tamara, and UAE credit cards are available to UAE residents aged 18 or over, with a valid Emirates ID and a linked UAE debit or credit card. Visitors and tourists to the UAE without a UAE ID and card generally cannot use these payment methods directly, but we can still help you book your hotel through other payment options such as a secure online payment link. Message us and we will find the right route for your situation.
Approval by Tabby, Tamara, or your credit card provider is based on their own eligibility rules, and neither we nor the payment providers can guarantee approval in advance. If your plan is declined, we will let you know and help you find another way to book.
Why Book Your Hotel with White Sky Travel
We are a Dubai based travel agency licensed by Dubai’s Department of Economy and Tourism (license number 1143288), operating from Room 202, Royal Class Building, Dubai Investment Park 1. Our office is open daily 8 AM to 8 PM, and we are on WhatsApp 24 hours a day, seven days a week.
A team you can actually talk to. Our consultants Mai, Andrea, Dianne, John, Charieka and Dulanka handle real bookings for real customers every day, not a chatbot handoff.
Every payment clearly shown up front. Whether you pay with Tabby, Tamara or a credit card plan, every amount and date is visible to you before you confirm anything. We do not add hidden costs on top of the price we quote.
Regulated payment partners. Tabby and Tamara are both regulated by the Central Bank of the UAE, and any UAE credit card plan runs through your own bank under standard consumer banking rules.
One agency for the whole trip. Along with your hotel, we can also arrange your flights, UAE visa if needed, tours, transfers, and travel insurance, all on the same installment options.
Frequently Asked Questions for UAE Hotel Booking in Installments
Can tourists or visitors book a hotel in installments?
Installment payments through Tabby, Tamara and UAE credit card plans are designed for UAE residents with an Emirates ID and a linked UAE card. If you are visiting the UAE without one, we can still help you book your hotel through a secure online payment link, so contact us and we will guide you through the right route.
Does using an installment plan involve a credit check?
Tabby, Tamara and your bank each run their own approval process when your plan is created. What that involves depends on the provider and, for larger bookings paid through a credit card plan, the amount you are financing. All checks happen inside their systems, not through us.
What is the minimum hotel booking amount for installments?
Each provider sets its own minimum. Tabby and Tamara typically work from smaller amounts, while UAE credit card monthly plans usually apply from AED 500 to AED 1,000 upward, depending on your bank. If you have a specific booking in mind, message us and we will confirm what applies.
How many months can I split my hotel booking across?
Tabby’s core option is four scheduled payments, with longer eligible plans available in some cases. Tamara’s UAE product typically splits into up to four scheduled payments. UAE credit card monthly plans go up to 12 months through your bank, subject to their approval.
Which UAE banks offer 12 month hotel installment plans?
Emirates NBD, ADCB, First Abu Dhabi Bank, RAKBANK, Mashreq, and HSBC all offer monthly installment plans on eligible cards. Exact tenors, minimum amounts and any processing fees are set by your bank.
Is my hotel booking confirmed before I finish paying?
Yes. Once your first instalment is paid and your plan is approved by Tabby, Tamara, or your bank, your booking is confirmed and we send you your hotel voucher. You do not wait for every payment to clear before checking in.
What happens if I miss a scheduled payment?
Each provider handles missed payments under their own terms, which are shown to you when you set up the plan. Tabby, in particular, may charge collection fees and report late payments to UAE credit bureaus, which can affect your credit score, so it is important to stay on top of the schedule you agreed to.
Can I book hotels in Sharjah, Ras Al Khaimah, or Fujairah through installments?
Yes. Every emirate is covered on the same installment terms as Dubai and Abu Dhabi, whether you want a Corniche stay in Sharjah, a beach resort in Ras Al Khaimah, or a quieter escape in Fujairah, Ajman or Umm Al Quwain.
Do you charge extra to arrange an installment plan?
No. We do not add any agency fee on top of the payment plan you set up with Tabby, Tamara or your bank. Any fee that applies is charged by them directly and shown to you before you confirm.
Start Your Booking
Message us with your travel dates, where you want to stay, and how many rooms you need. We will send you options that fit your budget and walk you through your installment choices.
WhatsApp us at +971 4 220 2133 or +971 52 292 1011, available 24 hours a day. Our Dubai Investment Park office is open daily 8 AM to 8 PM if you would like to drop in.
