Simple & Clear
How It Works
Everything you need to know about splitting a purchase into clear, Sharia-compliant monthly payments on your credit card.
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Shop & Enjoy
Choose Amwal Installments at checkout and pick a plan of up to 24 months.
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Pay With Your Credit Card
Your bank will place a hold on the full amount, and when approved, it will be converted to an installment plan.
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Your Installments & Rewards
Your installment plan will show up in your mobile banking app. Enjoy your rewards, points, and miles!
Built Around You
What Happens After You Pay?
Once accepted, your bank reserves the full purchase amount against your available credit limit and converts the transaction into monthly installments.
Your purchase is confirmed at checkout. Allow 36–48 hours for the installment plan to appear in your bank's app or credit-card account. After activation, the monthly installments appear on your card statement automatically.
How to Track Your Installments
Al Rajhi Bank
Find your AMWAL installment plan in the Al Rajhi Bank app under Tasaheal.
SNB (Alahli)
View your EPP installments in the SNB AlAhli app under Credit Cards.
Check if Your Card is Eligible
Only credit cards from Al Rajhi Bank or SNB are currently eligible.
Zero Interest, Clear Fees
Most plans have no fees and every plan has zero interest. For particular merchants or items, a fixed Murabaha fee may apply and will be shown before you confirm. Your bank adds no additional fees.
Allow 36–48 Hours
Your purchase is confirmed at checkout, but the installment plan may take 36–48 hours to appear in your bank's app or credit-card account.
Sharia-Compliant Financing
Every plan follows an Islamic Tawarruq or Murabaha structure. Neither Amwal nor the bank charges interest on any plan.
Keep Your Rewards
Continue earning the points, rewards, and miles offered by your credit card on eligible installment purchases.
Available Banks
Important Note
The full invoice amount will be reserved and allocated from your credit card limit and split into installments — make sure the invoice amount is available on your credit card and within your credit limit.
Clear Payment Plans That Work for You
Every step of the installment process is clear, controlled by your bank, and compliant with Sharia.
- Zero interest on every plan; most plans have no fees, while a disclosed fixed Murabaha fee may apply to specific merchants or items
- No registration on any platform or document uploads required
- Keep all your credit card rewards, points, and miles
Sample Installment Breakdown
Values are illustrative. Actual terms depend on your bank, available credit limit, merchant, and item. Any fixed Murabaha fee is shown before confirmation.
Start Shopping Today
Browse participating stores and split your purchase into zero-interest monthly installments using your credit card.
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