What is Alinma installments and how does Amwal use it?

Alinma installments is a credit card installment program from Alinma Bank that lets you convert purchases into equal monthly payments over 3, 6, 9, or 12 months, with up to 100% profit margin waiver at partner merchants. Amwal integrates this at checkout — you pay with your Alinma card, Amwal initiates the request, and you activate the plan in the Alinma Mobile app after your transaction posts.

Why do I need to activate in the Alinma app after my purchase?

Alinma's installment program requires the customer to confirm and select the plan through Alinma's own banking channels (Alinma Mobile app). Amwal initiates the request at checkout, but the final plan activation happens on your side in the app — this is Alinma's standard security and confirmation process.

What is the 9-month plan? Is it available everywhere?

The 9-month installment option is unique to Alinma — most banks only offer 3, 6, or 12 months. It gives you a flexible middle-ground for mid-size purchases. Like all plans, it's available at Amwal partner merchants and is subject to the same 0% profit waiver at partner stores.

Is there a minimum purchase amount for Alinma installments?

For zero-profit installments at select partner merchants (like SACO and Alsaif Gallery), there is no minimum purchase requirement. For general installment conversions, standard Alinma Bank minimum amounts may apply — confirm with Alinma for your specific card tier.

Are Alinma installments Sharia-compliant?

Yes. All Alinma Bank installment plans are built on Sharia-compliant financing structures, regulated by the Saudi Central Bank (SAMA), and certified by Alinma's Sharia supervisory board.

Which merchants offer zero-profit Alinma installments through Amwal?

Zero-profit installments (0% profit margin waiver) are available at select Amwal partner merchants. Alinma also has ongoing zero-profit campaigns at merchants like SACO and Alsaif Gallery. Check the Amwal partner store list for a full, up-to-date list of eligible stores.

Flexible Installments, Zero Profit via Amwal

Use your Alinma or Alinma Alfursan credit card at any Amwal-powered merchant to convert purchases into 3, 6, 9, or 12 equal monthly installments — with up to 100% profit margin waiver at partner stores.

Start Shopping See How It Works

0% profit

Profit at Partners

Months Max

3–12

Month Options

Pay with Amwal

alinma Credit Card

3 months · 0% profit

1,000 SAR/mo

6 months · 0% profit

500 SAR/mo

9 months · 0% profitUnique

333.3 SAR/mo

12 months · 0% profit

250 SAR/mo

Activate your plan in the Alinma Mobile app after purchase

SAMA Certified

✓ Sharia-Compliant

Why Amwal + Alinma?

Amwal brings Alinma Bank's installment program to your favorite stores — split purchases into equal monthly payments with 0% profit at partner merchants.

0% Profit at Partner Merchants

Enjoy up to 100% profit margin waiver at Amwal partner stores. Pay your purchase price split equally over your chosen number of months with zero added cost.

Unique 9-Month Option

Alinma offers a 9-month installment plan that most banks don't provide — giving you an extra flexible option between 6 and 12 months for mid-size purchases.

No Minimum Purchase

Zero-profit installments at select partner merchants require no minimum purchase amount — split even small purchases into equal monthly payments.

Two Eligible Card Types

Available on both the alinma Credit Card and the alinma Alfursan Credit Card (primary and supplementary cards), covering a wide range of Alinma cardholders.

Manage in Alinma App

View, activate, and track all your installment plans directly from the Alinma Mobile app — clean, simple, and always up to date.

Sharia-Compliant

All Alinma installment plans are built on Sharia-compliant structures, regulated by the Saudi Central Bank (SAMA) and certified by Alinma's Sharia board.

Installment Plans

3, 6, 9, or 12 months — all at 0% profit at Amwal partner merchants.

3months

Profit (Partner)

Other Merchants

Bank rate applies

6months

Profit (Partner)

Other Merchants

Bank rate applies

Unique Plan

9months

Profit (Partner)

Other Merchants

Bank rate applies

12months

Profit (Partner)

Other Merchants

Bank rate applies

Example — 3,000 SAR Purchase at Partner Merchant

Plan

Monthly Payment

Total Profit

Profit (Partner)

3 months

1,000 SAR

0 SAR

6 months

500 SAR

0 SAR

9 months★

333.3 SAR

0 SAR

12 months

250 SAR

0 SAR

0% profit margin applies at participating Amwal partner merchants only

For non-partner merchants, standard Alinma Bank profit rates apply — confirm with Alinma

Available on primary and supplementary alinma Credit Cards and alinma Alfursan Credit Cards

* All figures shown are illustrative. Actual profit rates, eligibility, and monthly amounts may vary depending on your card tier, merchant, and purchase value. Confirm final terms with Alinma Bank before completing your purchase.

How Alinma Installments Work via Amwal

Two simple steps: Amwal processes your payment, you activate in the Alinma app.

Important: Alinma installments must be activated through the Alinma Mobile app after your purchase — activate within the eligible window shown in the app.

Pay at Checkout with Alinma

Shop at any Amwal partner merchant and select your alinma or alinma Alfursan credit card at checkout. Amwal processes your purchase and initiates the installment request with Alinma on your behalf.

Activate in Alinma Mobile App

Once your transaction posts, open the Alinma Mobile app, go to Credit Cards, select the transaction, choose your preferred plan (3, 6, 9, or 12 months), and confirm. Done in minutes.

Installments Begin

Your purchase is split into perfectly equal monthly installments for the full duration of your plan. Track everything in the Alinma app — no surprises, no hidden charges.

Need help activating? Alinma Phone Banking: 800 120 8000