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Easy installments with “Ala Dofaat" Program exclusive with AlAhli Credit Cards!

Ease your payments and convert it to “Ala Dofaat" Program exclusively when you using AlAhli Credit Card in your daily purchases every day.

What is “Ala Dofaat" Program?
It’s a program that allows you to convert your purchases’ values into equal monthly installments plan with low annual percentage rate when you using AlAhli credit card anywhere. 

What is the permissible period for paying transactions with low interest?
The permissible period:
3 months with annual percentage rate 1.39%
6 months with annual percentage rate 1.29%
12 months with annual percentage rate 1.19%

Example: Installment Plan Calculation
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 and 6 months


Installment Plan 3months6months
Monthly annual percentage rate for Installed Transaction1.39%1.29%
Monthly Installment for Installed Transaction 1736 SR897.8 SR
Monthly annual percentage rate for Regular Transaction2.4 % - 2.7%2.4 % - 2.7%
Monthly Installment for Regular Transaction1751 SR908 SR

What is the monthly installments due with “Ala Dofaat" Program?

Equal monthly installments from the value of the purchases transferred to “Ala Dofaat" Program.

Are there any additional fees?

There are no additional costs or fees to benefit from “Ala Dofaat" Program.

What’s the minimum amount for converting transactions to “Ala Dofaat" Program?

Minimum amount for installments is 750 SAR per purchase during the offer period.

What are the terms of conversion the purchases to“Ala Dofaat" Program?

• You may convert any transaction that were executed using AlAhli Credit Card. 

• Minimum amount eligible for installments is 750 SAR for every transaction. 

Offer validity: until Sept 18, 2020

To benefit from “Ala Dofaat" Program all you have to do is following the list below (after 48 hours from the transaction date, customer can start requesting the installment request):

1) AlAhli Online

• Log in to 

• Select Credit Card.

• Select installment option “Dofaat”

• 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 “Dofaat”

• Select the eligible transaction for installment  

• Confirm your request.

3)AlAhli phone banking :

• Call AlAhli phone banking at 920001000

• Enter your phone number

• Enter your password

• Choose number 2, Credit Cards 

• Choose number 2 , financial process on your Credit Cards

• Choose number 3 , installments of purchases  

• Request a program “Ala Dofaat” from customer’s service and confirm your order.

TERMS & CONDITIONS of “Alaa Dofaat” program:

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 750 per purchase.

4. The maximum amount for installments is SR 100,000 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 can cancel the installment plan at any time during the Plan period or request for an early settlement. To cancel, customer must contact the Bank and submit an early cancellation or settlement request. The bank will review the request and calculate the remaining balance will be credited to the existing credit card outstanding balance and shall be treated as any debit on the credit card as per the current terms and conditions of the bank.

10. NCB reserves the right to reject any request for installment option if the customer case didn’t fulfill the program requirements and the Bank will not be liable for any claim arising from rejection.

11. 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.

12. 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.

13. The installment Plan service will be cancelled or suspended by the bank in the event that the customer is unable to pay the monthly installment amount due which will be transferred to the collection department if the customer does not pay the outstanding amount and the bank's credit policy is lost. Existing transactions include the remaining amount and outstanding/existing balance.

14. 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.

15. NCB reserves the right to amend or alter these terms and conditions at any time without prior notice.

16. 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.

17. 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.

18. In the event of any inconsistency between Arabic text and its English translation, the Arabic text shall prevail.

19. These terms and conditions shall be governed by and constructed in accordance with the law of the Kingdom of Saudi Arabia.

*T&C apply 

Credit Card Fees and Charges

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