What is the SNB Smart Payment Plan via Amwal?

The SNB Smart Payment Plan is a 0% APR installment program from Saudi National Bank (AlAhli). Through Amwal, this plan is activated automatically at partner merchant checkouts — so you can split any eligible purchase into 3, 6, or 12 monthly payments without ever leaving the checkout page.

Is it really 0% with no fees at all?

Yes — all Smart Payment Plan options (3, 6, and 12 months) are at 0% APR with no processing fees, no enrollment fees, and no hidden charges. You pay only the original purchase amount, divided over your chosen period.

Which card do I need to use?

You need an existing SNB AlAhli credit card. No new card or separate application is needed — Amwal works with the card you already have.

What is the minimum purchase amount?

The minimum eligible purchase amount is 1,000 SAR. The maximum is 100,000 SAR per merchant under the Smart Payment Plan.

How much do I pay each month?

Your minimum monthly payment is 5% of the converted transaction amount. For example, on a 3,000 SAR purchase, your minimum monthly payment is 150 SAR — at 0% interest.

How many plans can I have at once?

You can have a maximum of 4 active Smart Payment Plans on your SNB account at any one time.

Is this Sharia-compliant?

Yes. The SNB Smart Payment Plan is fully compliant with Islamic Sharia principles and is certified by the Saudi Central Bank (SAMA).

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Pay at 0% with Amwal

At any Amwal-powered checkout, split your purchase into 3, 6, or 12 monthly installments using your SNB AlAhli credit card — always at 0% APR, zero extra fees, and instant approval.

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Order Total3,000 SAR

Pay in full3,000 SAR

Pay with Amwal

SNB AlAhli · 6 months · 0%

500 SAR/mo

Accepted cards

SAMA Certified

✓ Zero Fees

True 0% — No Catches

Amwal connects your SNB AlAhli credit card to any partner store checkout, giving you genuinely interest-free installments every time.

Always 0% APR

Every plan — 3, 6, or 12 months — is 0% APR. No tiered pricing, no surprises based on which merchant you shop at.

Zero Extra Fees

No processing fees, no enrollment fees, no hidden charges. You pay only what you owe — nothing more.

One-Click at Checkout

Select Amwal at any partner store checkout to activate your SNB installment plan — no separate banking app needed.

Use Your Existing Card

No new card or application required. Just use the SNB AlAhli credit card you already have in your wallet.

Instant Approval

Get approved on the spot within seconds. Your order is confirmed and your installments start immediately.

Sharia-Compliant

All SNB Smart Payment Plan installments are SAMA-certified and fully compliant with Islamic Sharia principles.

Simple Plans, Always 0%

Pick your preferred duration. All plans are 0% APR with no fees — the full purchase price, divided equally.

3months

Annual Rate

Min. Amount

1,000 SAR

Monthly Payment

5% minimum monthly

1,000 SAR ÷ 3

No Fees ✓

How Amwal + SNB Works

Three steps from browsing to approved — without leaving the checkout page.

Shop at a Partner Store

Browse and add items to your cart at any Amwal-powered merchant — online or in-store — with a minimum purchase of 1,000 SAR.

Choose Amwal at Checkout

Select Amwal as your payment method, enter your SNB AlAhli credit card, and choose your plan: 3, 6, or 12 months.

Approved Instantly

Get instant approval within seconds. Your order confirms, and you pay 5% of the converted amount each month at 0% APR.

Shop at Your Favorite Stores

Use Amwal 0% installments powered by SNB AlAhli at top brands across Saudi Arabia.

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Frequently Asked Questions

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Amwal makes SNB's Smart Payment Plan available at checkout across hundreds of partner stores in Saudi Arabia.

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