What exactly is Amwal and how does it use Al Rajhi?

Amwal is a payment platform that enables bank installments at the checkout of partner merchants. When you select Amwal at checkout, it processes your purchase through Al Rajhi's Tasaheal program using your existing Al Rajhi credit card — giving you flexible monthly installments without any extra signup.

Do I need to apply for anything new?

No. You simply use your existing Al Rajhi Murabaha credit card. There is no new card, no new account, and no separate application required. The installment option appears automatically at checkout when you choose Amwal.

Which stores can I use Amwal installments at?

You can use Amwal at any of our partner merchants across Saudi Arabia — including SACO, Abyat, IKEA, Almatar, Baytonia, Syarah, and many more. New merchants are added regularly.

Is there a minimum purchase amount?

Yes, the minimum eligible purchase amount is 500 SAR. There is no maximum — Amwal works for large purchases too.

When does my first installment payment start?

Your first installment is not due until 55 days after your purchase is confirmed, giving you a built-in grace period before repayments begin.

Will I still earn my Al Rajhi card rewards?

Yes! You continue to earn all your Al Rajhi credit card rewards — points, cashback, and miles — on every purchase, even when paying through Amwal in installments.

Is Amwal installments Sharia-compliant?

Yes. All installment plans processed through Amwal are fully Sharia-compliant and operate on Murabaha or Tawarruq principles, officially certified by the Saudi Central Bank (SAMA).

Shop Now,
Pay Later with Amwal

At any Amwal-powered checkout, split your purchase into easy monthly installments using your existing Al Rajhi credit card. Instant approval, zero paperwork, and 0% interest at partner stores.

Start Shopping See How It Works

Checkoutamwal.tech

Order Total3,600 SAR

Pay in full3,600 SAR

Pay with Amwal

Al Rajhi · 12 months

300 SAR/mo

Accepted cards

SAMA Certified

✓ Sharia-Compliant

Everything You Need at Checkout

Amwal connects your Al Rajhi credit card to any partner store checkout — giving you flexible installments without leaving the page.

One-Click at Checkout

Select Amwal at any partner store checkout and activate installments instantly — no redirects, no extra apps.

Use Your Existing Card

No new card or application needed. Just use your Al Rajhi Murabaha credit card you already have.

0% at Partner Stores

Shop at Amwal partner merchants and get 3-month installments with absolutely zero interest or fees.

Keep Earning Rewards

Every installment still earns your Al Rajhi points, miles, and cashback — no reward is ever lost.

Instant Approval

Get approved on the spot within seconds. No paperwork, no credit checks, no waiting in queues.

Sharia-Compliant

All installment plans are SAMA-certified and fully compliant with Islamic Sharia principles (Murabaha).

Flexible Plans, Transparent Fees

Choose the plan that fits your budget. No hidden fees, no surprises.

At Partner Stores

3months

At Partner Stores

Monthly Fee

One-time Processing Fee

49 SAR

6months

At Partner Stores

0.9%

Monthly Fee

0.9%

One-time Processing Fee

2% (min 100 SAR)

12months

At Partner Stores

0.9%

Monthly Fee

0.9%

One-time Processing Fee

2% (min 100 SAR)

Select Merchants

24months

At Partner Stores

0.9%

Monthly Fee

0.9%

One-time Processing Fee

2% (min 100 SAR)

Partner Store — 0% Plan

5,000 SAR purchase at partner store, 12-month plan

Processing Fee0 SAR

Monthly Interest0 SAR

Monthly Installment416.67 SAR

Non-Partner Store

1,000 SAR purchase at non-partner store, 6-month plan

Processing Fee100 SAR

Monthly Interest9 SAR/mo

Monthly Installment175.67 SAR

0% interest for 3-month plans at Amwal partner merchants

24-month plan available on select Amwal partner merchants only

One-time processing fee is charged at the moment of conversion only

All fees above exclude VAT

* All figures shown are illustrative. Actual fees, rates, and installment amounts may vary depending on your merchant, card tier, and purchase value. Confirm final terms with Al Rajhi Bank before completing your purchase.