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?

Al Rajhi customers: up to your credit limit. SNB customers: SAR 100,000. Alinma customers: up to 90% of the issued credit 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 your payments on your credit card

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

Find Where to Shop

Trusted by leading Saudi banks

How It Works

Learn how it works in detail

01
Select Amwal at Checkout
At checkout, choose 'Credit Card Installments' or 'Split with your credit card' through Amwal, or ask the cashier.
02
Pay With Your Credit Card
Select your bank and preferred installment plan. Complete the payment using Apple Pay or your bank credit card.
03
Pay Monthly & Earn Rewards.
Your bank will place a hold on the full amount, and when approved, it will be converted to an installment plan. Enjoy points, miles and rewards!

Pick how you pay

One Amwal plan, wherever you shop — pay the way that suits the moment.

AMWAL online bank-installment checkout on a phone

Online Checkout

Choose Amwal at checkout on your favorite stores and split the cost over 3–24 months.

Customer choosing an AMWAL installment plan on a phone in store

In-Store POS

Ask cashier for AMWAL, and pay using SMS payment link

Apple Pay

Select Apple Pay at the Amwal checkout, and split the purchase in two clicks

Learn how Apple Pay installments work

Shop with built-in security

Amwal protects checkout through encrypted connections to participating banks and patented authentication protocols—without requiring a new account or exposing unnecessary data.

Learn more about our security