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Get your smartphone device now from stc using your credit cards in easy installments with no interest.

The Terms and Conditions listed below for each bank shall apply:

 Terms and conditions:

  • To avail 0% installment, customer must have a minimum purchase from of SAR1000 and convert the transaction to 3, 6, or 12 monthly installments with 0% Qasset program.
  • Onetime fee of SAR 50 will be charged to avail the offer
  • Customer must pay the transaction using any of Riyad Bank credit cards.
  • Customer must call their bank 2 days after the purchase in showroom and request to convert their transaction into 0% installment.
  • Prepaid credit cards are not included in the promotion.
  • Should be 18 years old and above.
  • Promotion is valid from 25/02/2022 to 25/05/2023.

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 SNB, 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 SNB shall not be affected by any such disputes.
  • SNB is not responsible for the investigation of or the resolution of any such dispute.
  • SNB 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.  
  • SNB 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 SNB cardholder agreement which regulates the provisions of credit card facilities by SNB and any other terms and conditions imposed by SNB at any time.
  • In the event of inconsistencies between these terms and conditions and the previous SNB 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

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:

  • To benefit from this offer, your purchases should have a minimum spend of SAR 1,000 or more
  • This offer is valid until the 25th of July
  • Benefit from the “Easy Payment Program” by calling 800 124 4040 at least 2 days prior to the payment due date. 

Terms and Conditions apply:

  • To benefit from the EPP offer, customer must purchase any of the following products (Apple, Samsung, Huawei … etc.) through stc sales channels.
  • Call 800 1242121 after 48 hours for making a purchase and request your purchase/s to be converted into Easy Payment Plan.
  • Offer is valid from 07 Nov 2021 until 31 Dec 2022
  • Request will be processed within 3 working days through our customer service.
  • Flexible repayment term of 3, 6, 9, until 24 months.
  • All payment plans have 0% interest rate.
  • To convert to EPP there will be a processing fee of SAR 50.
  • Offer valid on Purchases made via Saudi Fransi credit cards
  • Maximum limit to convert the transactions is 4 times per user (including the previous installments)

Terms and Conditions

  • To avail of the installment facility, the cardholder may utilize the existing credit limit on Al Rajhi Credit Card (by way of Murabaha) only.
  • 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.
  • The credit amount available on the card balance shall be reduced by the total amount of installments payable by the card.
  • 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.
  • The minimum amount for installments is SAR 1,000 per purchase from the bodies participating with Al Rajhi Bank in this program.
  • There is a maximum of 4 active installment plans per card.
  • Cash withdrawals are not valid for use in the installment plans.
  • 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.
  • 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.
  • 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.
  • In case of any dispute arises in connection with the purchase or the provision of any goods or services with the merchant:
  • The cardholder must resolve such disputes directly with the merchant.
  • Al Rajhi Bank is not responsible for the investigating into or resolving any such dispute.
  • The liability of the cardholder and his obligation to make payment to Al Rajhi Bank shall not be affected by any such disputes.
  • Al Rajhi Bank reserves the right without any liability to cancel or suspend the installment option program at any time.
  • 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.
  • Al Rajhi Bank reserves the right to amend or alter these terms and conditions at any time without prior notice.
  • 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.
  • 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.
  • 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 laws of the Kingdom of Saudi Arabia.