Yes, you can buy Redmi Note 5 Pro on EMI without a credit card at OnlyMobiles.com.
Yes, Redmi Note 5 Pro does have an IR blaster aka IR remote controller.
Yes, Redmi Note 5 Pro does have the fast charging support.
Redmi Note 5 Pro is available in Black & Gold colors.
Yes, Redmi Note 5 Pro does have the dual rear camera set up.
Very Happy With The Phone
I was using Note 3 and now this is my second Mi phone. Excellent phones and very reasonably priced too.