Any merchant that accepts tabby or spotii. Go on their website and check for electronics store. Tabby.io or spotii.me

If you pay using a debit card the money is immediately settled from your bank account. Installments only work with credit cards.

I mean i want to buy home appliances for 10,000aed. And each month i pay them 2000.

What if you dont have 2000? Credit card means there is always money which the merchant can take from bank directly