An installment plan with stc in 0% Installment program (La Tajil program) from Bank AlJazira:

• Applies on all of Bank AlJazira credit cards except the low limit cards (Prepaid Card). 
• Call AlJazira Phone after 48 hours of completing the purchase process at stc to convert the transaction amount to 0% installment program (La Tajil program) – (AlJazira phone: 920006666).
• Applies to any credit card purchase transactions with amount over SAR 1000 and less the existing limit.
• Allowed installment periods up to 12 months (3 months, 6 months, 9 months and 12 months).
• This offer valid at stc branches.
• This offer valid till 24/01/2023.

Use your ANB credit card and convert your purchases to installments up to 12 months with no profit margin with stc

Terms and Condition:

• To benefit from this offer, your purchases should have a minimum spend of SAR 1,000 or more
• This offer is valid until the 21 of May 2023
• Benefit from the “Easy Payment Program” by calling 800 124 4040 at least 2 days prior to the payment due date.
• ANB terms and conditions apply.

EPP Terms and Conditions:

1. The bank’s (BSF) Easy Payment Plan Program (the "EPP") is available to banks’ credit card holders (each a “Cardholder”) for purchase transactions done at merchants specified by the bank. List of merchants are available on the bank’s website and may change from time to time.
2. The availability of the EPP to the Cardholder is subject to the available balance in the Cardholder’s account with the bank and acceptance by the bank of the Cardholder’s request to utilize the EPP. Cardholders who are delinquent (i.e. not current on payments) or over the limit on the their BSF credit card(s) may have their EPP request rejected by the bank until such time as the Cardholder regularizes their account or until such time as determined by the bank at its sole discretion.
3. Only single purchases of SAR 1,000 (One thousand Saudi Riyals) or more are eligible to be converted under the EPP and the maximum limit will be 90% of the Credit Card Limit.
4. The tenure for the Program can be a minimum of 3 months up to a maximum of 12 months and customer cannot change the tenure after the Transaction is transferred to the Program. The Bank reserves the right to increase or decrease the tenure periods where it deems suitable without prior notice to the customer. The EPP will be valid for periods determined by the bank’s sole discretion (the “EPP Period”).
5. To convert any transaction to EPP, the Cardholder must initiate a request (the “EPP Request”) by calling the toll free number (8001242121). The request will be processed within 3 Business Days. The Cardholder will be notified of the acceptance or rejection by SMS.
6. The Cardholder must submit the EPP Request by no later than 21 days from the date of the transaction, otherwise the EPP request will be rejected.
7. The bank reserves the right to reject any request for an EPP without giving any reason and the Bank will not be liable for any claim arising from said rejection.
8. The bank may set a cap to the number of EPPs per Cardholder account. A service charge fee of SAR 50 (Fifty Saudi Riyals) will be applicable per each EPP request.
9. In case of Cardholder disputes the purchased item/service using the Card by will due to damaged goods/services or any other unsatisfactory reasons, the customer will still be liable for the amount of the purchased item/service, and the Bank will not be responsible, at all events, of the purchased item/service. Such disputes relating should be resolved by the Cardholder directly with the Merchant and no claim by the Cardholder against the Bank. The authorized merchant (a “Merchant”) participating in the EPP with bank are solely responsible for all obligations and liabilities in connection with the supply of goods/services or any defect or damage.
10. In case of delay in payment of monthly installments, the Bank has the right to cancel the EPP Program and all applicable fees and charges will be payable according to schedule of charges and credit card terms and conditions.
11. If the Card is closed /cancelled while a Transaction is still under the EPP Program, the EPP Program will cease to exist and the unbilled amount will be immediately billed to the Credit Cardholder. The entire outstanding amount shall immediately become due and payable by the Cardholder and the Bank shall have the right to demand the immediate payment thereof at its discretion.
12. The Bank reserves the right to withdraw the EPP at any given time with (30) thirty days prior notice to the Cardholder at the Bank’s sole discretion. The Bank also reserves the right to extend the EPP to any or all other Cardholders.
13. Cardholders can only use 90% of their existing credit limit to obtain installments for retail purchase transactions only. Additional credit is not offered with the EPP and cash advances are not valid for use in any EPP unless Bank decided to offer so.
14. The Cardholder agrees that the bank at its sole discretion may specify a minimum/maximum purchase amount and number of transactions to qualify for the EPP.
15. The amount of each installment payment debited from the Cardholder’s account (the “Payment”) will be debited on a monthly basis and will be included as a transaction appearing on the Cardholder’s statement.
16. If a Cardholder is on a full payment plan (100% repayment) under his/her existing credit card, and elects to convert a purchase under the EPP, the Cardholder’s existing balance, if any will be automatically changed to a minimum payment method plan (5% repayment).
17. Any EPP must be paid in full before a Cardholder can change products or even close the Card Account.
18. The Cardholder is entitled to cancel the EPP at any time during the EPP period, however a cancellation fee will apply.
19. The bank does not offer or provide any warranties, or accept any responsibility or liability of any kind in respect of the EPP and hereby disclaims any and all express or implied warranties with respect to the same.
20. It is the Cardholder’s responsibility to ensure that he/she provides the correct and valid contact details to the bank in order to ensure that all communications related to the EPP are received.
21. In case of a credit card upgrade, all transactions on the old credit card will be transferred to the new credit card including the EPP.
22. No delay or omission of the bank in exercising or enforcing (whether wholly or in part only) any right or remedy hereunder shall impair such right of remedy of the bank and shall not be construed as a waiver of such right or remedy.
23. In no event shall BSF, any of its affiliates, or any of its officers, directors, employees or agents be liable for any loss, damage or expense arising out of or otherwise related to the EPP.
24. Transactions on a supplementary credit card can also be converted to EPP subject to the minimum eligible payment purchases threshold.
25. In the event of any inconsistency between the Arabic text and its English translation, the Arabic text shall prevail.
26. In the event of inconsistencies between these EPP terms and conditions and the previous EPP terms and conditions, these terms and conditions shall prevail.
27. The bank reserves the right, at its absolute discretion, to amend, modify, vary and/or supplement these terms and conditions at any time.
28. Any such amendments or supplements shall be provided on the bank’s website and the bank’s decision in all matters relating to the EPP shall be at the bank’s discretion and shall be final and binding on the Cardholder. The Cardholder will be informed of any change (30) thirty days prior to the effective date.
29. Maximum limit to convert the transactions is 4 times per user (including the previous installments )

Terms and Conditions:

1. To avail of the installment facility, the cardholder may utilize the existing credit limit on Al Rajhi Credit Card (by way of Murabaha) only.
2. To avail the purchase transaction installment feature, the customer should request for transaction conversion into installment (through the banking phone or any other mean to be determined by Al Rajhi Bank) before the same is due for reflection in next dues statement. Once the transaction is billed in statement, it cannot be converted into installment.
3. The credit amount available on the card balance shall be reduced by the total amount of installments payable by the card.
4. The monthly installment related to the installment plan will be added to the existing installments payable by the card. In case the customer does not pay the monthly installment on the specified date of payment, the transaction will be treated as normal Murabaha card transaction for that month by calculating the Murabaha profit 1% for that month.
5. The minimum amount for installments is SAR 1,000 per purchase from the bodies participating with Al Rajhi Bank in this program.
6. There is a maximum of 4 active installment plans per card.
7. Cash withdrawals are not valid for use in the installment plans.
8. The customer may request the early settlement of installment plan/s at any time during the installment period. If Al Rajhi Bank approves the customer request, the remaining balance will be a part of minimum payment in the next due statement.
9. Al Rajhi Bank reserves the right to reject any request for installment option without giving reasons and Al Rajhi Bank will not be liable for any claim arising from rejection.
10. The merchant is solely responsible for all obligations and liabilities in connection with the supply of goods/services or any defect or damage with no responsibility holds to Al Rajhi Bank.
11. In case of any dispute arises in connection with the purchase or the provision of any goods or services with the merchant: a) The cardholder must resolve such disputes directly with the merchant. B) Al Rajhi Bank is not responsible for the investigating into or resolving any such dispute.
12. The liability of the cardholder and his obligation to make payment to Al Rajhi Bank shall not be affected by any such disputes.
13. Al Rajhi Bank reserves the right without any liability to cancel or suspend the installment option program at any time.
14. In case of a credit card renewal, all transactions on the old credit card will be transferred to the new credit card including the installment plans.
15. Al Rajhi Bank reserves the right to amend or alter these terms and conditions at any time without prior notice.
16. The installment program is governed by these terms and conditions in addition to the terms and conditions of Al Rajhi credit card governing the issuance of the credit card, together with any other terms and conditions to be laid down by Al Rajhi Bank at any time.
17. In the event of inconsistencies between these terms and conditions and Al Rajhi Bank credit card terms and conditions, 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 laws of the Kingdom of Saudi Arabia.

Offer: 0% Installment Payment Plan at stc.

Validity: The offer is valid until December 31, 2023.

 Terms and Conditions:

1. The customer must pay the transaction using an Emirates NBD Visa Credit Card.
2. To avail the 0% Installment Payment Plan offer, the customer must have a minimum purchase of SAR 1,000 on a single invoice at stc and a maximum of SAR 50,000.
3. The customer must contact Emirates NBD Call Center 800 754 7777 two to five days after the purchase and request to convert the transaction to a 0% Installment Payment Plan for 3 or 6 or 12 months.
4. No profit margin, and processing fee are required to avail the promotion.