Most UAE banks allow early settlement of a credit card EMI plan, though whether it actually saves you money depends on the plan type. On a genuine 0% EMI plan, paying it off early generally doesn't reduce the total amount owed, since there was no interest to save in the first place, and some banks even apply a small early settlement fee. On an interest-bearing EMI plan, paying early can reduce the total interest paid, similar to early repayment on a loan, though this also depends on the specific bank's terms.
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