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Smart Payment Plan


Smart Payment Plan is a new payment plan from AlAhli Credit Card to ease your monthly payment at 0% percentage rate for 3/6 months.

Lower your monthly burdens when using your AlAhli Credit Card and Smart Payment Plan that allows you to convert your payments into a plan with 5% minimum monthly payment for 3/6 months at 0% percentage rate

Example on Smart Payment Plan for 3 months at 0% percentage rate for purchases of 3,000 SAR using AlAhli Credit Card:



Smart Payment Plan of 3,000 SAR1st month payment2nd month payment3rd month payment4th month payment
5% Minimum due at 0% percentage rate

150 SAR

 

150 SAR
150 SAR
 
Remaining amount2,850 SAR
2,700 SAR
2,550 SAR

Depends on Customer's Payment method:

·         Full amount 100% = (Remaining amount of 2,550 SAR and the outstanding amount in the customer's credit card account)

·         5% minimum due of the total Remaining amount of 2,550 SAR and the outstanding amount in the customer's credit card account)

Annual Percentage Rate - Monthly0%0%0%

Depends on Credit Card tier*


What is the permissible period for paying transactions with 0% annual percentage rate?

The permissible period is 3 or 6 months based on customer request.

What is the monthly limit you are obligated to pay with the Smart Payment Plan?

The percentage is fixed with 5% monthly deduction from the converted transaction to Smart Payment Plan.

Are there any additional fees?

There are no additional fees customer obligated to pay to join Smart Payment Plan

What’s the minimum amount for changing transactions to Smart Payment Plan?

Minimum transaction amount to be transferred is 1,000 SAR during the offer period

What are the rules and conditions required to convert your transactions to Smart Payment Plan?

You may convert transactions from March 23 , 2020 until Dec 30, 2020 with AlAhli Credit Card. 

Offer validity: from March 23 ,2020 until Sep 30, 2020


To benefit from Smart Payment Plan all you have to do is following the list below (after 48 hours from the transaction date, customer can start requesting the new Plan):


1) AlAhli Online:

• Log in to alahlionline.com 

• Select Credit Card.

• Select installment option

• Select the eligible transaction for installment  

• Confirm your request after reading the service terms and conditions and accept it.

2) AlAhli Mobile App:

• Log in to AlAhli Mobile Application.

• Select AlAhli credit cards.

• Select installment option 

• Select the eligible transaction for installment  

• Confirm your request after reading the service terms and conditions and accept it.

Terms and conditions:

  • Customers can only use their existing credit limit to obtain Smart Payment Plan. No extra credit is offered with this facility.
  • If the customer is on 5% payment method, he/she must submit the Smart Payment Plan request before the due date of the requested transaction. Else, customer must submit the Smart Payment Plan request 4 days before the statement. 
  • The minimum amount for Smart Payment Plan, depends on the bank and merchant agreement. 
  • The maximum amount for Smart Payment Plan is 100,000 SAR for total purchases with a certain merchant.
  • All Smart Payment Plans must be paid within the specified period with a minimum limit 3 months and maximum limit of 6 months.
  • There is a maximum of 4 Smart Payment Plans per account.
  • Customer shall commit to the plan period agreed between him/her and the bank. The customer can cancel the smart payment plan at any time during the Plan period or request for an early settlement. 
  • In the case of a merchant offers the Smart Payment Plan with an agreement with the NCB, the merchant is solely responsible for all obligations and liabilities in connection with the supply of goods/services or any defect or damage.
  • 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.
  • NCB reserves the right without any liability to cancel or suspend the installment option program at any time with sharing the reason with the customer.
  • 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.
  • When the smart payment plan period agreed is completed, customer may choose the payment method to settle the remaining due amount in his/her AlAhli Credit Card (5% or 100% or another amount). If the customer selected 100% as a payment method to settle all his/her outstanding balance, APR will not be charged. If the customer selected 5% as a payment method to settle his/her outstanding balance, APR will be charged based on the customer card tier.  
  • NCB reserves the right to amend or alter these terms and conditions and inform the customers 30 days before applying the changes.
  • 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 any time.
  • 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.
  • In the event of any inconsistency between Arabic text and its English translation, the Arabic text shall prevail.
  • These terms and conditions shall be governed by and constructed in accordance with the law of the Kingdom of Saudi Arabia. 

Annual Percentage Rate (Based on card tier):

• 38.75% for customers with monthly payroll income of 2,500 SAR up to 3,999 SAR

• 32.39% for customers with monthly payroll income of 4,000 SAR and above

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


Disclosure of APR on Financing

​Enjoy the new Smart Payment Installment Plan when you get your Car, maintenance and accessories with AlAhli Credit Cards!

You may now buy your car or pay the down payment or do your car maintenance with AlAhli Credit Card and install it with the new Smart Payment Plan at 0% annual percentage rate for 3 or 6 months.

The offer is valid with all car dealerships exclusively when you use AlAhli Credit Card.

What is the Smart Payment Plan?

It's a new service that allows you to change your payments into monthly installments, and as low as 5% of your transaction within 3 or 6 months with 0% annual percentage rate with AlAhli Credit Card.

Example on Smart Payment Plan:

Smart Payment Plan of 3,000 SAR1st month payment2nd month payment3rd month payment4th month payment
5% Minimum due at 0% percentage rate

150 SAR

 

150 SAR150 SAR 
Remaining amount2,850 SAR2,700 SAR2,550 SAR

Depends on Customer's Payment method:

·         Full amount 100% = (Remaining amount of 2,550 SAR and the outstanding amount in the customer's credit card account)

·         5% minimum due of the total Remaining amount of 2,550 SAR and the outstanding amount in the customer's credit card account)

Annual Percentage Rate 0%0%0%Depends on Credit Card tier*

 

What is the permissible period for paying transactions with 0% annual percentage rate?

The permissible period is 3 or 6 months based on customer request.

What is the monthly limit you are obligated to pay with the Smart Payment Plan?

The percentage is fixed with 5% monthly deduction from the converted transaction to Smart Payment Plan.

Are there any additional fees?

There are no additional fees customer obligated to pay to join Smart Payment Plan

What's the minimum amount for changing transactions to Smart Payment Plan?

Minimum transaction amount to be transferred is 1,000 SAR during the offer period

What are the rules and conditions required to convert your transactions to Smart Payment Plan?

  • You may convert only transactions that were executed at car dealerships from 3 June 2020 until June  3, 2021 with AlAhli Credit Card.

Offer validity: 3 June 2020 until June  3, 2021

To benefit from Smart Payment Plan all you have to do is following the list below (after 48 hours from the transaction date, customer can start requesting the new Plan):

1) AlAhli Online:

  • Log in to alahlionline.com 
  • Select Credit Card.
  • Select installment option
  • Select the eligible transaction for installment  
  • Confirm your request after reading the service terms and conditions and accept it.

2) AlAhli Mobile App:

  • Log in to AlAhli Mobile Application.
  • Select AlAhli credit cards.
  • Select Installment option 
  • Select the eligible transaction for installment  
  • Confirm your request after reading the service terms and conditions and accept it.

*Terms and conditions apply

Credit Card Fees and Charges

Enjoy the Smart Payment Installment Plan from AlAhli Credit Card when you buy form Saco

You may now install purchases from Saco with the Smart Payment Plan at 0% annual percentage rate using AlAhli Credit Card:

  • 3 or 6 months at 0% monthly rate with a minimum transaction amount of SAR 1,000.
  • 12 months at 0% monthly percentage rate with a minimum transaction amount of SAR 3,000.

The offer is valid with all SACO branches and SACO website using AlAhli Credit Card.

Offer validity: from 31st of July 2020 till 28th of February 2021.

What is the Smart Payment Plan?

It's a new service that allows you to change your payments into monthly installments, and as low as 5% of your transaction within 3 months with 0% annual percentage rate with AlAhli Credit Card.

Example on Smart Payment Plan:

 1st month payment2nd month payment3rd month payment4th month payment
Amount transferred to SPP for 3 months (3,000 SAR)

1- 5% of payment = 150 SAR

2- Remaining amount = 2,850 SAR

1- 5% of remaining amount = 150 SAR

2- Remaining amount = 2,700 SAR

1- 5% of payment = 150 SAR

2- Remaining amount = 2,550 SAR

Up to the customer's discretion, they may pay the full amount due or the lowest limit of AlAhli Credit Card's total  outstanding balance
Annual percentage rate – monthly 0%0%0%Depends on Credit Card tier


What is the permissible period for paying transactions with 0% annual percentage rate?

The permissible period is 3 or 6 or 12 months based on customer request.

What is the monthly limit you are obligated to pay with the Smart Payment Plan?

The percentage is fixed with 5% monthly deduction from the converted transaction to Smart Payment Plan.

Are there any additional fees?

There are no additional fees customer obligated to pay to join Smart Payment Plan

What's the minimum amount for changing transactions to Smart Payment Plan?

  • 3 or 6 months at 0% monthly rate with a minimum transaction amount of SAR 1,000.
  • 12 months at 0% monthly percentage rate with a minimum transaction amount of SAR 3,000.

What are the rules and conditions required to convert your transactions to Smart Payment Plan?

You may convert only transactions that were executed at Saco from 31st of July 2020 till 28th of February 2021.

To benefit from Smart Payment Plan all you have to do is following the list below (after 48 hours from the transaction date, customer can start requesting the new Plan):

1) AlAhliOnline

  1. Log in to AlAhli Online.
  2. Select Credit Card.
  3. Select installment option "Smart Payment Plan"
  4. Select the eligible transaction for installment 
  5. Confirm your request.

2) AlAhli Mobile App:

  1. Log in to AlAhli Mobile Application.
  2. Select AlAhli credit cards.
  3. Select installment option "Smart Payment Plan"
  4. Select the eligible transaction for installment 
  5. Confirm your request.
Apply for a Card Now

  • LuLu Hypermarkets stores

    ​ Enjoy the Smart Payment Installment Plan from AlAhli Credit Card when you buy form LuLu Hypermarkets

  • Makarem-Al-Nokhba

    Enjoy the smart Payment plan from AlAhli credit card with all your purchases at “Makarem Al-Nokhba” for your home supplies.

  • Mouawad

    Enjoy the smart Payment plan service from AlAhli credit card with all your purchases at " Mouawad" for luxuries Jewelry and watches with brilliant choices to celebrate your precious moments

  • Loft

    Enjoy the smart Payment plan from AlAhli credit card with all your purchases from “Loft” for stylish furnishing and home décor.

  • LG

    Enjoy the smart Payment plan from AlAhli credit card at "LG" Naghi website & stores across KSA

  • Mont Blanc

    Enjoy the smart Payment plan from AlAhli credit card at " Mont Blanc " across KSA

  • ROSA CLARA

    Enjoy the smart Payment plan from AlAhli credit card at " ROSA CLARA " for wedding dresses in KSA

  • Versace Fine Jewelry

    Enjoy the smart Payment plan from AlAhli credit card at “Versace Fine Jewelry " branches in Jeddah, Riyadh & Khobar

  • Oud Ounce SPP

    Enjoy the smart Payment plan from AlAhli credit card at " Oud Ounce " website www.oudounce.com

  • Fursan SPP

    Enjoy the smart payment plan from AlAhli credit card with your hotels’ reservations and travel packages from "Fursan" website and app.

  • Saudi Electricity Company Offer

    Enjoy the smart Payment plan from AlAhli credit card and AlAhli cashback credit card when you pay your Electricity bill at “Saudi Electricity Company"

Enjoy the Smart Payment Installment Plan from AlAhli Credit Card when you buy electronics form AlManea!

 

You may now install your electronics at Almanea with the Smart Payment Plan at 0% annual percentage rate using AlAhli Credit Card:


  • 3 or 6 months at 0% monthly rate with a minimum transaction amount of SAR 1,000.
  • 12 months at 0% monthly percentage rate with a minimum transaction amount of SAR 3,000.

The offer is valid with all Almanea branch or Almanea web site using AlAhli Credit Card.


Offer validity: from 1st of September 2020 until 28th of February 2021.

 

What is the Smart Payment Plan?

It's a new service that allows you to change your payments into monthly installments, and as low as 5% of your transaction within 3 months with 0% annual percentage rate with AlAhli Credit Card.

 

Example on Smart Payment Plan:

 

 1st month payment2nd month payment3rd month payment4th month payment
Amount transferred to SPP for 3 months (3,000 SAR)

1- 5% of payment = 150 SAR

2- Remaining amount = 2,850 SAR

1- 5% of remaining amount = 150 SAR

2- Remaining amount = 2,700 SAR

1- 5% of payment = 150 SAR

2- Remaining amount = 2,550 SAR

Up to the customer's discretion, they may pay the full amount due or the lowest limit of AlAhli Credit Card's total  outstanding balance
Annual percentage rate – monthly 0%0%0%Depends on Credit Card tier

 

 

What is the permissible period for paying transactions with 0% annual percentage rate?

The permissible period is 3 or 6 or 12 months based on customer request.

 

What is the monthly limit you are obligated to pay with the Smart Payment Plan?

The percentage is fixed with 5% monthly deduction from the converted transaction to Smart Payment Plan.

 

Are there any additional fees?

There are no additional fees customer obligated to pay to join Smart Payment Plan

 

What's the minimum amount for changing transactions to Smart Payment Plan?

  • 3 or 6 months at 0% monthly rate with a minimum transaction amount of SAR 1,000.
  • 12 months at 0% monthly percentage rate with a minimum transaction amount of SAR 3,000.

 

What are the rules and conditions required to convert your transactions to Smart Payment Plan?

You may convert only transactions that were executed at AlManea from 1st of September 2020 until 28th of February 2021.

 

To benefit from Smart Payment Plan all you have to do is following the list below (after 48 hours from the transaction date, customer can start requesting the new Plan):

 

1) AlAhli.com

  • Log in to AlAhli Online.
  • Select Credit Card.
  • Select installment option "Smart Payment Plan"
  • Select the eligible transaction for installment 
  • Confirm your request.

2) AlAhli Mobile App:

  • Log in to AlAhli Mobile Application.
  • Select AlAhli credit cards.
  • Select installment option "Smart Payment Plan"
  • Select the eligible transaction for installment 
  • Confirm your request.

 Apply for a Card Now


Own your dream home with AlAhli real estate financing and save on furnishing with AlAhli Credit Card, utilize our amazing discount offers. In addition, you may install your transactions with smart payment plan at 0% annual rate.

  • Enjoy the exclusive offers for AlAhli credit cards for your home:

     
Furniture offers
#Merchant Smart Payment PlanExclusive discountDurationHow to Obtain Offer
1Ihome Installment period is 3 or 6 months30%Valid from  12/7/2020 Until 12/7/2021Branches,Online
2AlmultlaqInstallment period is 3,6 or12 months30%Valid from 15/10/2020 Until 15/10/2021Branches,Online
3RoomzInstallment period is 3,6 or12 months30%Valid from 15/10/2020 Until 15/10/2021Branches,Online
4City WInstallment period is 3,6 or12 months30%Valid from 15/10/2020 Until 15/10/2021Branches,Online
5Alqithmi Installment period is 3 or 6 months25%Valid from  10/10/2020 Until 10/10/2021Branches
6Dream HomeInstallment period is 3 or 6 months25%Valid from 1/7/2020 Until 1/7/2021Online
7High Point Installment period is 3 or 6 months15%Valid from 10/9/2020  Until 10/9/2021 Branches
8Alkaffary CarpetInstallment period is 3 or 6 months15%Valid from 10/9/2020 Until 10/9/2021 Branches
9Alkaffary furnitureInstallment period is 3 or 6 months15%Valid from 10/9/2020 Until 10/9/2021 Branches
10Modern PalaceInstallment period is 3 or 6 months15%Valid from 10/9/2020 Until 10/9/2021 Branches
11AshleyInstallment period is 3 or 6 months10%Valid from 20/11/2020 Until 20/11/2021Branches
12Utter mostInstallment period is 3 or 6 months10%Valid from 20/11/2020 Until 20/11/2021Branches
13AlrugaibInstallment period is 3 or 6 months10%Valid from 20/11/2020 Until 20/11/2021Branches

 

Electronics offers
#Merchant Smart Payment PlanExclusive discountDurationHow to Obtain Offer
1TamkeenInstallment period is 3,6 or12 months10%Valid from 10/10/2020 until 10/10/2021Branches
2Albassam electronicsInstallment period is 3 or 6 months10%Valid from 1/11/2020 until 1/11/2021Branches,Online
3Arrow (Saham)Installment period is 3 or 6 months10%Valid from 20/10/2020 Until 20/10/2021 
4Saham one Installment period is 3 or 6 months10%Valid from 20/10/2020 Until 20/10/2021Online
5AlManneaInstallment period is 3,6 or12 months-Valid from 31/7/2020 Until 28/2/2021Branches,Online
6SacoInstallment period is 3,6 or12 months-Valid from  31/7/2020 Until 28/2/2021Branches,Online

 

 

 

Offers of construction materials and  kitchens
#Merchant Smart Payment PlanExclusive discountDurationHow to Obtain Offer
1Bayt alebaaInstallment period is 3 or 6 months25%Valid from 1/12/2020 Until 1/12/2021Branches
2Makarem alnkhbaInstallment period is 3 or 6 months25%Valid from 1/12/2020 Until 1/12/2021Branches
3ALTabaa KitchensInstallment period is 3 or 6 months25%Valid from 1/8/2020 Until 1/8/2021Branches
4El-Khayyat Installment period is 3,6 or12 months10%Valid from 10/9/2020 Until 10/9/2021 Branches

To know more details about the smart payment plan, Click here