Pay over 3–24 months
Choose a plan that fits a bigger purchase. There is no separate down payment and no Amwal late fee; your bank card terms still apply.
Amwal vs BNPL in Saudi Arabia
Credit card installments or BNPL—which fits your purchase?
Amwal turns an eligible bank credit card into a flexible installment plan at checkout—without opening a separate financing account or giving up eligible card rewards.
See the Amwal difference
Built for customers who want longer plans, higher purchasing power and more value from a card they already own.
More from every purchase
Make your card work harder
Free up to 12 months
Most plans offer 0% interest with no additional fees for up to 12 months. Terms vary by bank, merchant and plan.
Use the card you already have
No separate BNPL application or new credit line at checkout. Your existing bank-issued credit card powers the plan.
Keep every eligible reward
Continue earning the points, miles and rewards offered by your selected credit card while you pay monthly.
The Amwal difference
Where Amwal goes further
BNPL can work well for smaller, short-term purchases. Amwal is designed to unlock the existing power of a bank-issued credit card—especially when the purchase is bigger or the plan is longer.
Compare
Local BNPL
Tabby, Tamara, MIS Pay
Credit Cards Installments
Bank-powered, at checkout
Payment source
Mada, debit or credit card support can vary by provider
An eligible bank-issued credit card
Purchase limit
A provider-assigned limit that can change by customer and purchase
Unlock the available limit on your existing card for higher-ticket purchases, subject to bank eligibility
Repayment period
Often 4 payments; longer financing products may also be offered
Go beyond four payments with flexible plans from 3 to 24 months
Application & SIMAH
Provider approval applies; credit-bureau checks or reporting may apply
Use existing bank-approved card eligibility—no separate BNPL application or new credit line at checkout
Payment at checkout
The first payment may be due immediately, depending on the plan
No separate down payment; your bank places a hold on the full amount, then converts it into installments
Cost
Pay in 4 is generally free. Twelve-month plans typically cost 14–18% at most participating merchants; terms vary by provider and purchase.
Most Amwal plans are free for up to 12 months at participating merchants. Selected items or merchants may apply a low 1–3% profit rate to a 12-month plan.
Card rewards
Depends on the card, provider and transaction treatment
Keep earning eligible bank points, miles and rewards as you repay
Where it works
At participating BNPL merchants, online and sometimes in-store
One Amwal experience across participating merchants, online and in-store
Payment source
Local BNPL
Mada, debit or credit card support can vary by provider
Credit Cards Installments
An eligible bank-issued credit card
Purchase limit
Local BNPL
A provider-assigned limit that can change by customer and purchase
Credit Cards Installments
Unlock the available limit on your existing card for higher-ticket purchases, subject to bank eligibility
Repayment period
Local BNPL
Often 4 payments; longer financing products may also be offered
Credit Cards Installments
Go beyond four payments with flexible plans from 3 to 24 months
Application & SIMAH
Local BNPL
Provider approval applies; credit-bureau checks or reporting may apply
Credit Cards Installments
Use existing bank-approved card eligibility—no separate BNPL application or new credit line at checkout
Payment at checkout
Local BNPL
The first payment may be due immediately, depending on the plan
Credit Cards Installments
No separate down payment; your bank places a hold on the full amount, then converts it into installments
Cost
Local BNPL
Pay in 4 is generally free. Twelve-month plans typically cost 14–18% at most participating merchants; terms vary by provider and purchase.
Credit Cards Installments
Most Amwal plans are free for up to 12 months at participating merchants. Selected items or merchants may apply a low 1–3% profit rate to a 12-month plan.
Card rewards
Local BNPL
Depends on the card, provider and transaction treatment
Credit Cards Installments
Keep earning eligible bank points, miles and rewards as you repay
Where it works
Local BNPL
At participating BNPL merchants, online and sometimes in-store
Credit Cards Installments
One Amwal experience across participating merchants, online and in-store
Bank-powered by design
Amwal keeps your bank at the center.
Instead of creating a separate BNPL relationship, Amwal connects the merchant checkout directly to the installment capability of your existing credit card.
Local BNPL
A BNPL provider approves the purchase and creates a separate repayment schedule. The customer repays the provider using a saved payment method.
TabbyTamaraMIS Pay
Bank-powered installments by Amwal
Use the eligible card your bank already issued. Choose a plan at checkout, receive a bank decision and keep the rewards attached to your card—without a separate financing journey.
No new credit line at checkout
Why choose Amwal
More value from the card in your wallet
01 · Everyday spending
Smaller everyday spend
BNPL can still be useful for a smaller purchase, a short schedule or when you prefer to pay using Mada or a debit card, where supported.
02 · More flexibility
Go beyond four payments
Amwal supports flexible bank installment plans from 3 to 24 months, making larger purchases easier to manage within your available card limit.
03 · More value
Make every purchase work harder
Keep earning eligible bank points, miles and rewards while spreading the purchase into manageable monthly payments.
Important to know
This page is a general comparison, not financial advice or a complete statement of any provider’s terms. Limits, fees, tenors, payment methods, approval and credit-bureau treatment can vary by provider, bank, merchant, customer and product. Review the terms shown before confirming a purchase.