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AlAhli Credit Card Financial Services

Learn about the advantages of having a credit card with us

AlAhli Credit Card Financial Services

Online Instant installments by Payfort Installments service 

Enjoy online shopping using AlAhli Credit Card and convert your retail transactions value into easy monthly equal installments up to 24 months through Payfort Installments from Payfort Online Payment Service Provider, via “Ala Dofaat” program without calling 920001000.

List of All participating Merchant sites​

How to use Payfort service 

  1. Choose Payfort when paying
  2. Select NCB
  3. Select installment period
  4. Enter your card details
  5. Approve terms and conditions
  6. Approve the monthly amount and then press to complete the process​​

Payfort Installments provides you with the flexibility to choose your preferred installments plan and the profit margin starts from 0% up to 1.19%​​


Ala Dofaat Program:

You can convert your purchases’ values into equal monthly installments plan with 0% profit margin via “ Ala Dofaat” program when you use AlAhli credit card at any of our participating merchants by calling 920001000 after 48 hours from processing the transaction and request the preferred installments plan up to 24 months.

Ala Dofaat Program for Participating Merchants:

  • 0% profit margin.
  • The minimum amount of purchase for installment varies and is subject to the agreement between NCB and merchants.
  • Installment plan periods are agreed upon between NCB and the merchant.
  • Maximum of 4 installment plans can be taken at one time.
  • Participating merchants are: electronics, home furnishing, travel agency, insurance, health and fitness, jewelry and many others. ​

Ala Dofaat Program for Non-Participating Merchants:

  • Reduced installment profit margin.
  • The minimum purchase amount to convert into an installment plan is SAR 1,000 (per transaction).
  • Installment plan periods: 3, 6, 12, 18 and 24 months.
  • Maximum of 4 installment plans can be taken at one time.​

Example: 

If you purchased from a non-participating merchant and want to convert the purchase amount into installments, reduced installment profit margin rate will be applied with various options of installment tenures. 

The below table is an example of how "Ala Dofaat " works for a transaction of SAR 5,000, when converted into an installments plan for 3,6, 12, 18 and 24 months​

Installment Plan Calculation – SR 5000 Transaction ​ ​ ​ ​ ​
Installment Plan (months)36121824
Monthly Profit Margin for Installed Transaction1.39%1.29%1.19%1.09%1.19%
Monthly Installment for Installed Transaction
SR
1736897.8476332267.8
Monthly Profit Margin for Regular Transaction2.4 % - 2.7%2.4 % - 2.7%2.4 % - 2.7%2.4 % - 2.7%2.4 % - 2.7%
Monthly Installment for Regular Transaction
SR
1751908487348280

 


To convert your purchases’ values into equal monthly installments plan, You just need to follow the below steps (after 48 hours from the transaction and request the preferred installments plan) :


  • Call AlAhli PHONE BANKING AT 920001000 .
  • Enter your personal number.
  • Enter your password.
  • Choose No. 2 for credit cards.
  • Choose No. 2  for credit cards financial transactions
  • Choose No. 3 for credit cards installment transactions.
  • Request the preferred installments plan from the agent and confirm your request.​​

TERMS & CONDITIONS​

  1. Customers can only use their existing credit limit to obtain installments. No extra credit is offered with this facility.
  2. If the customer is on 5% payment method, he/she must submit the installment request before the due date of the requested transaction. Else, customer must submit the installment request 4 days before the statement. 
  3. The minimum amount for installments is SR 1,000 per purchase.
  4. The maximum amount for installments is SR 100,0​00 per purchase. or 4 plans totaling SR100,000 based on individual credit limits.
  5. All installment plans must be paid in full before a customer can change products.
  6. There is a maximum of 4 installment plans per account.
  7. Cash advances are not valid for use in any installment plan.
  8. In the event that the payment method chosen is 100% deduction your installment plan will be changed to a minimum payment schedule.
  9. The customer is not entitled to cancel the installment plans at any time during the installment period.
  10. In case the bank  approves the early settlement request for installment plans, the customer must pay the remaining amount in addition to the profit margin.
  11. NCB reserves the right to reject any request for installment option without giving reasons and the Bank will not be liable for any claim arising from rejection.​
  12. In the case of a merchant installment plan, the merchant is solely responsible for all obligations and liabilities in connection with the supply of goods/services or any defect or damage.
  13. Any dispute pertaining to a purchase or the provision of any goods or services lay with the merchant: 

    • ​​The card holder must resolve such disputes directly with the merchant.
    • The liability of the cardholder and his obligation to make payment to NCB shall not be affected by any such disputes.
    • NCB is not responsible for the investigation of or the resolution of any such dispute.
  14. NCB reserves the right without any liability to cancel or suspend the installment option program at any time.
  15. In case of a credit card upgrade, all transactions on the old credit card will be transferred to the new credit card including the installment plan.
  16. NCB reserves the right to amend or alter these terms and conditions at anytime without prior notice.
  17. These terms and conditions are in addition to the terms and conditions as set out in the NCB cardholder agreement which regulates the provisions of credit card facilities by NCB and any other terms and conditions imposed by NCB at anytime.
  18. In the event of inconsistencies between these terms and conditions and the previous NCB credit card terms and conditions agreement, these terms and conditions shall prevail in so far as they apply to the installment plan.
  19. In the event of any inconsistency between Arabic text and its English translation, the Arabic text shall prevail.
  20. These terms and conditions shall be governed by and constructed in accordance with the law of the Kingdom of Saudi Arabia.​​​

​EMERGENCY CASH WITHDRAWAL

We understand that giving som​e flexibility without risking security can be very beneficial to our customers, that's why AlAhliMobile is the first in the Kingdom to allow you to withdraw cash at any of our ATMs without using your debit card.

For security purposes, you will be allowed to withdraw a maximum of SAR 1,000 per day, or to use the service a maximum of 3 times per month.​


Download AlAhliMobile Now !​

 ​

CASH ADVANCE

Now you can enjoy cash advance service in your AlAhli credit card by transfer up to 30% of your credit card limit money to your current account.

Exclusive for our customers and for a limited period earn 5,000 “LAK” points ("LAK" is the largest rewards platform exclusive for AlAhli Credit cards holders and the best reward program in the kingdom.) when you transfer up to 30% of your credit card limit money to your current account.

Offer Period: 

  • "LAK" reward offer starts from July – 31 December 2017​

Cash advance "LAK" Points campaign details through the following channels:​

Channels​​​​RewardCash Advance Fee
​AlAhliOnline site/ AlAhliMobile Application​**Get 5,000 LAK points​SAR 75​*
​AlAhli Phone Banking​No reward​SAR 75**
ATM​No reward​SAR 75***

* As of (August 8, 2017), a transfer fee will be charged for each cash advance transfer through our electronic channels. 

** The rewards will be credited by inserting the promo code that will be provided by NCB via SMS every middle of the month to use it at www.lakrewards.com 

(For example: If you transfer on July 15, 2017 and you were complied with the Terms and conditions, the promo code will be sent to you by August 15, 2017). 

** Customer must transfer up to 30% of the credit card limit to get the reward.

(For example: If limit of the card was 1,000 SAR , 30% from your limit card = 3,000 SAR , you can transfer 30% to your current account on multiple  Cash Advance transactions per month to join the campaign)

*** ATM Cash Withdrawal Fee is SAR 75 per Transaction.

*** Multiple Cash Advance transactions through ATM are allowed daily, with a maximum of SAR5,000 each time​.


Cash Advance service available through the following channels:​

1) AL-AHLI MOBILE APPLICATION​:

  • Download AlAhliMobile Application​
  • Log in to AlAhli Mobile Application.
  • Select AlAhli credit cards.
  • Click on Cash Advance.
  • Enter amount needed to be transferred to your current account.
  • Confirm your transaction​.

2) AHLI ONLINE SITE:

  • Visit AlAhl​iOnline​
  • Log in to AlAhli Online.
  • Select Credit Card.
  • Select Cash Advance.
  • Enter amount needed to be transferred to your current account.
  • Confirm your transaction.​

3) ALAHLI PHONE BANKING AT 920001000:

  • Enter your personal number.
  • Enter your password.
  • Choose No. 2 for credit cards.
  • Choose No. 2 for financial transaction.
  • Choose No. 2 for transfer from Credit Card to your own account.
  • Enter the last 8 digit number to identify your Credit Card.
  • Enter two digit number to identify your current account.
  • Enter amount needed to be transferred to your current account.
  • Confirm your transaction.​​​

4) ATM:

  • Chose the language.
  • Enter your pin number.
  • Select Cash Advance.
  • Enter amount.
  • Select Credit Card.​

 

* Terms and conditions apply

Annual Percentage Rate (based on card tier)

  • 38.75% for customers with monthly payroll income 2,500 SAR up to 3,999
  • 32.39% for customers with monthly payroll income 4,000 SAR and above​

** Annual Fees for Visa Basic & MasterCard Titanium are SAR 400 , and all Platinum cards are SAR 600

* The offer isn’t applicable on items that are already under promo or discount​

​Cash Advance

Now you can take advantage of Cash Advance with your Credit Card and transfer the money to your current account up to 30% of your Credit Card Limit through the following:​​​


1) AHLI ONLINE SITE:

  • Log in to AlAhli​ Online.
  • Select Credit Card.
  • Select Cash Advance.
  • Enter amount needed to be transferred to your current account.
  • Confirm your transaction.

 

2) AL-AHLI MOBILE APPLICATION​:

  • Log in to AlAhli Mobile Application.
  • Select AlAhli credit cards.
  • Click on Cash Advance.
  • Enter amount needed to be transferred to your current account.
  • Confirm your transaction​.

 

3) CONTACT PHONE BANKING AT 920001000:

  • Enter your personal number.
  • Enter your password.
  • Choose No. 2 for credit cards.
  • Choose No. 3 for financial transaction.
  • Choose No. 2 for Cash Advance.
  • Enter two digit number to identify your Credit Card.
  • Enter two digit number to identify your Credit Card.
  • Enter two digit number to identify your current account.
  • Enter amount needed to be transferred to your current account.
  • Confirm your transaction.

 

4) ATM:

  • Chose the language.
  • Enter your pin number.
  • Select Cash Advance.
  • Enter amount.
  • Select Credit Card.

* The maximum cash Advance limit per transaction that can be transferred through phone banking is SAR 5,000.

** All Cash Advance transactions are free except  ATM transactions, which are  SAR 100 per transaction.​


NCB All Rights Reserved 2017