Daraz installment plan | How to buy product on installment (EMI) from daraz.pk

Daraz Installment Plan Full Details

Daraz.pk, Pakistan’s leading online marketplace has launched the Easy Monthly Installments (EMI) service for all HBL Bank, Bank Alfalah, MCB Bank and Silk Bank credit card customers. Daraz Installment Plan (EMI) is a service that allows customers to purchase items through a deferred payment plan using their credit card.

For a limited time, Daraz EMI does not have any mark-up, down payment or any other hidden cost attached to it. Daraz support only credit card of HBL Bank, Bank Alfalah, MCB Bank and Silk Bank and not support debit or ATM cards. you can also read about Daraz Student Account

Important Notice about Daraz Installment Plan:

Daraz.pk will be blocked full outstanding payment on your account until the installments have been completed. The blocked amount will also be visible on your statement.


Suppose your credit card limit is Rs.25,000 and you bought product Rs.23,000, Daraz.pk block Rs.23,000 from your card and your card remaining limit will be Rs.2,000 until you pay monthly installment. The complete structure is here.

Click to see Installment Structure Details
Card Limit Product Purchased Remaining Limit
                 25,000                               23,000                                       2,000


Month Amount (Payable) Installment Rem. Amount Card Limit Release
Jan                         23,000                1,924                  21,076                            3,924
Feb                         21,084                1,924                  19,160                            5,840
Mar                         19,168                1,924                  17,244                            7,756
Apr                         17,252                1,924                  15,328                            9,672
May                         15,336                1,924                  13,412                          11,588
Jun                         13,420                1,924                  11,496                          13,504
Jul                         11,504                1,924                    9,580                          15,420
Aug                            9,588                1,924                    7,664                          17,336
Sep                            7,672                1,924                    5,748                          19,252
Oct                            5,756                1,924                    3,832                          21,168
Nov                            3,840                1,924                    1,916                          23,084
Dec                            1,924                1,924 0                          25,000
After 12 month full credit card limit released

Click for more F.A.Q / Terms and Conditions / about daraz Installment Plan

In this article, I will show you how you can purchase any product from Daraz on installment plan (EMI).

  1. Search your desire product on daraz.pk and see it’s available on installment or not, on below the product price written down installment available. The product that is not available on installments will not be written down.

Daraz installment plan

2. When you open desire product you can see installment plan and how much monthly installment payable by you.

daraz.pk product available on installment or not

3. Finally Select your desire product and click Buy Now button.

buy now daraz.pk product on installment

4. New Login screen will appear, Login or Register new account to continue, without login or register you can’t buy products.

daraz.pk login screen

5.You are in product detail page that mention (Delivery Charges, Delivery date and total payable amount). Enter your complete shipping address, Phone No., E-mail ETC and click proceed to pay button.

daraz.pk proceed to pay page

6. This is a payment page, All supported payment options available here

Select Installment option, Daraz.pk support only credit card of HBL Bank, Bank Alfalah, MCB Bank and Silk Bank and some banks maybe charge 1.5% processing fee but Bank Alfalah no charge any processing or hidden fee.

Select your desire bank and enter your Credit Card details and proceed to next step.

daraz credit card payment form

7. Finally order place successfully after complete daraz.pk requirements and confirmations.

payment successfully daraz.pk

order confirmation page

8. Done! Now Draz.pk will send you timely alert SMS and inform you about your product status.

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