Are bank installment sharia compliant?

Yes, all bank installments are compatible with the provisions of Islamic Sharia, where a commodity is bought and sold in the form of tawarruq or Murabha.

How can I benefit from easy monthly installments using my credit card?

When making a purchase from one of Amwal Tech's partner merchants, you can select 'Installment via Amwal Tech' on the payment page. Then, choose your credit card from the participating banks. Approval for the installment plan is instant—no waiting required!

Which banks are partners?

You can now pay in installments using your Al Rajhi Bank credit card. Soon, installment plans will also be available with the following partner banks: AlAhli Bank, Alinma Bank, Alawwal Bank

What is the limit for the installment amount?

The limit is defined according to every bank and is typically up to approved credit card limit.

The easy monthly installment plan comes with no fees or interest, meaning you won't pay any additional charges or interest.

What are the conditions for using the credit card installment service?

You must have a credit card issued by one of the approved banks and sufficient credit limit to cover the purchase amount before completing the transaction.

Does the full product amount need to be available on the credit card?

Yes, the full amount must be available on your credit card, as the bank will initially hold the full amount and then convert it into installments. You will repay the amount in installments without any fees or interest.

What are the benefits of the credit card installment service with Amwal?

Installments offer financial flexibility, allowing you to shop now and pay later with easy monthly payments, a longer repayment period of up to 12 months, and a higher purchasing limit.

Can I use prepaid cards or cash on delivery to benefit from the installment program?

No, unfortunately! The easy monthly installment plan is only available for credit cards issued by partner banks.

Sharia Compliant

Split any purchase with your
existing credit card

Use credit card to spread costs over 3–24 months. No new app, no extra charges — and earn every reward point your card earns.

Find Where to Shop

Trusted by leading Saudi banks

Mokafaa Points

+5,000 Earned

Worth SAR 50

Checkout

Apple AirPods Pro

2nd Gen - MagSafe

1,200SAR

Payment Schedule

12 Months

Save Full Amount Now

Reserved from credit card

1,200 SAR

Payment 1

in 45 days

100 SAR

Payment 2

in 75 days

100 SAR

Payment 3

in 105 days

100 SAR

Payment 4

in 135 days

100 SAR

Remaining

Monthly payments

800 SAR

Installment plans from 3 and 6 months, and up to 24 months

Flexible, easy payment solutions — fully supported by the banks

0% fees or interest

With fully clear and transparent payments, with no additional fees, processing charges, or interest.

Sharia-compliant

Fully aligned with Islamic finance principles — transparent, and with no additional interest or charges.

Certified

Earn Rewards

Get Mokafaa points with every purchase. More purchases, more rewards.

Learn More

No paperwork. No new account.

Two simple requirements

A partner bank credit card

Use any credit card issued by one of our partner banks

Available Now

Coming Soon

Available balance ≥ purchase amount

The full amount must be within your current credit limit — your bank holds it upfront, then bills monthly.

How It Works

Select Amwal at Checkout
Choose 'Bank Installments via Amwal' at checkout and pick a plan from 3 to 24 months — online or in store.
Pay With Your Credit Card
Select your bank (Al Rajhi or SNB) and pay using your credit card. Your bank converts the amount to installments instantly — 0% interest.
Earn Rewards & Pay Monthly
Receive instant approval and enjoy your card’s rewards, points, and miles!