0% Murabaha Margin for Three Months: Terms & Conditions

This offer is available only to eligible Cardmembers who had fewer than five (5) active Plan It plans, i.e. four (4) or fewer, as of 01 November 2026, the date on which the list of eligible Cardmembers was extracted.
Only Cardmembers who have received the offer SMS and/or can view the offer in the American Express Saudi Arabia app are eligible for this offer. Cardmembers who have not received the SMS and cannot view the offer in the app are not eligible.
You are receiving this communication because you are an American Express Saudi Arabia Cardmember.
This offer is communicated through approved promotional channels to Cardmembers who have provided the required consent to receive promotional communications, in accordance with applicable data protection regulations.
Your selected communication preference will be updated within 5 business days. Until then, you may continue to receive communications based on your previous preference.
This offer applies to individuals only.
Eligibility: The offer is available to eligible American Express Saudi Arabia Primary Cardmembers holding The Centurion Card, The Platinum Card®, The American Express® Platinum Card, The American Express® Platinum Credit Card, The Gold Card®, The American Express® Gold Card, The American Express® Gold Credit Card, The American Express® Blue Card, American Express® AlFursan Credit Card, Marriott Bonvoy® American Express® Credit Card, The American Express® Green Card or The American Express® Green Credit Card, whose Cards support Plan It and whose accounts meet the applicable Plan It eligibility requirements.. To qualify for this offer, the Cardmember must have fewer than five (5) active Plan It installment plans on their account at the time of submitting the request. The total number of active Plan It installment plans per account, including any new plan under this offer, must not exceed five (5) at any one time. This limit includes standard Plan It plans, plans under this offer, and plans under any other Plan It offer, including the Platinum Card 0% Murabaha margin benefit on international purchases. For example, a Cardmember with four (4) active plans may request only one (1) additional plan, subject to eligibility and approval. No new Plan It request may be submitted while the account has five (5) or more active plans.
Commercial Cards are not eligible for this offer.
An initiation fee of Ʀ 50 applies to this limited-time offer.
Offer period: The offer is valid from 01 November 2026 to 15 November 2026, inclusive (“Offer Period”), based on Saudi Arabia time.
Only the Primary Cardmember can request this offer. The Primary Cardmember may convert any eligible transaction on the account, including transactions made with Supplementary Cards. The installment plan will be processed under the Primary Card account.
How to benefit: Primary Cardmembers must request a three-month Plan It installment plan for eligible transactions during the Offer Period through the Amex KSA App or by calling American Express Saudi Arabia Customer Service on the number on the back of their Card. Requests are subject to the applicable eligibility criteria and approval.
Requests made through the Amex KSA App are accepted when the Cardmember confirms the request in the App. Requests made by phone are accepted through the Cardmember’s verbal confirmation on the recorded call. In both cases, this will be treated as acceptance of the installment plan and these Terms and Conditions.
Promotional margin: A 0% Murabaha margin applies to eligible single transactions of a minimum of Ʀ 1,000 and a maximum of Ʀ 20,000, converted into a three-month Plan It installment plan during the Offer Period.
Amounts outside the offer limits: The Ʀ 20,000 maximum applies per single transaction. Single transactions below Ʀ 1,000 or above Ʀ 20,000 are not eligible for this offer, and the standard Plan It Terms and Conditions and Murabaha margin will apply to the full transaction amount.
Each Plan It installment plan can be linked to one eligible transaction only. Multiple transactions cannot be combined into a single plan.
Eligible transactions must be successfully posted to the Card account before they can be converted, including transactions posted before the Offer Period. The installment request must be submitted, approved and processed during the Offer Period.
This offer applies to eligible local & international purchases, including point-of-sale and online transactions, made with the Card.
Cash withdrawals, fees, charges, balance transfers, refunds, disputed transactions, digital wallet funding transactions, and any other transactions determined by American Express Saudi Arabia from time to time are not eligible for this offer.
All transactions must be made using an eligible Card issued by American Express Saudi Arabia to qualify for this offer.
The amount converted cannot exceed the Cardmember’s credit limit at the time of the request, and remains subject to any future changes to the credit limit in accordance with the Card’s terms and conditions.
American Express Saudi Arabia reserves the right to decline or restrict installment requests based on internal credit, risk, fraud, or account status assessments.
Repayment term: The promotional margin applies throughout the agreed three-month repayment term of the qualifying plan, including installments falling due after the Offer Period ends. Other repayment terms do not qualify for this offer’s promotional margin.
The installment amount will be divided into three equal monthly installments.
Existing plans: This offer applies only to new installment plans requested during the Offer Period. Installment plans booked before the Offer Period will keep their original Murabaha margin.
Other charges: The offer covers the Murabaha margin on the qualifying amount only. Any other applicable fees, charges or taxes are governed by the relevant Cardmember Agreement, Plan It terms and the disclosures provided before the Cardmember accepts the plan.
Repayment obligations: Cardmembers remain responsible for paying their installments and all other amounts due by the payment dates shown on their statements.
Once processed, the installment plan cannot be converted again, amended, or replaced with another transaction.
Cardmembers may settle the installment plan early by paying the remaining balance in full, at no additional cost. Early settlement is subject to successful payment processing and confirmation of closure.
Cardmembers may cancel the installment plan without settling it, in which case the remaining balance will be moved back to the Card balance. A cancellation fee of Ʀ 200 may apply in line with applicable regulations.
Any cancellation, reversal, refund, or dispute related to the original transaction may result in the installment plan being cancelled or recalculated in line with American Express Saudi Arabia policies.
If any installment is missed or paid late, the 0% Murabaha margin will be cancelled and the standard Plan It Murabaha margin will apply to the remaining balance for the rest of the installment period. Any other breach of the applicable Terms and Conditions may lead to the same result.
The Card account must remain active, valid and in good standing throughout the installment period.
Eligibility for this offer depends on maintaining good credit behavior, including timely payments and compliance with the Card’s terms and conditions.
This offer is non-transferable and non-exchangeable, and may not be assigned to any other Cardmember or account.
Other terms: These terms supplement the applicable Plan It terms and Cardmember Agreement. The promotional margin and limits specified in these terms govern qualifying plans under this offer.
American Express Saudi Arabia is not responsible for the availability, quality or pricing of products or services offered by merchants.
This offer is subject to availability. American Express Saudi Arabia reserves the right to amend, suspend, withdraw or terminate it at any time in accordance with applicable regulatory requirements and internal policies.
American Express Saudi Arabia reserves the right to disqualify any Cardmember from this offer in the event of suspected misuse, abuse or fraudulent activity.
Terms and Conditions of American Express Saudi Arabia apply. To view all Card benefits, terms and conditions, and fees, please visit American Express Saudi Arabia’s website.
All rights reserved American Express Saudi Arabia, Copyright 2026.
If you have any feedback or concerns, please contact our Customer Care Team via email at complaints@americanexpress.com.sa, or call 800 124 2229 from inside Saudi Arabia or +966 11 292 6666 from outside Saudi Arabia. For more details, please visit the Complaint / Feedback Handling Procedures page on American Express Saudi Arabia’s website.
For general inquiries, please contact American Express Saudi Arabia Customer Service using the telephone number on the back of your Card.
Non-compliance with the Terms and Conditions of American Express Saudi Arabia’s credit and charge Cards may result in cancellation or suspension of your Card or Supplementary Cards and may negatively affect your credit bureau record. Paying only the minimum amount may result in additional charges due to the Murabaha margin applied to the outstanding balance.
The Annual Percentage Rate (APR) starts from 40.64%, depending on the type of Credit Card and the applicable standards.
Paying only the minimum amount owed can result in additional fees and charges and a longer time to repay the full amount. For example, if you have an outstanding balance of Ʀ 7,000 and pay only the minimum due, it will take 81 months (96 months for the American Express Green Credit Card) to settle the balance in full. The total amount paid will be Ʀ 13,296 (Ʀ 16,177 for the American Express Green Credit Card), including the outstanding balance and the Murabaha margin.
American Express Saudi Arabia is regulated and supervised by the Saudi Central Bank.

Plan It - EQUAL MONTHLY INSTALLMENT Program Terms and Conditions:

Plan IT Eligibility: Plan It equal monthly installments is available to all Cardmembers who hold valid American Express Cards and carry out purchase transactions above a minimum threshold identified by American Express Saudi Arabia from time to time. Both, local and international purchase transactions made on either Primary or Supplementary American Express Cards can be converted to equal monthly installments facility, if all other eligibility criteria are met. Cash advances shall not be eligible for transfer to an equal monthly installments facility.
The Cardmember’s eligibility to avail the equal monthly installments shall depend on account present status, the good standing of the Card account in accordance with the American Express Card conditions, the policies, procedures, guidelines and general terms and conditions of American Express Saudi Arabia applicable at the relevant time.
The total amount covered under the equal monthly installments along with the Murabaha Margin amount for the tenure and the initiation fee will be charged to the Card, as a result of which, the available Credit Limit under the Card shall be reduced. The available Credit Limit shall increase as the Cardmember pays the due monthly installments.
The Cardmember should ensure that the relevant Card is not blocked, there are no overdue payments, and the outstanding balance is not over the limit assigned to such Card. All payments should be made regularly by the Cardmember to settle any outstanding dues under the Card.
The Cardmember may request a Credit Limit increase if a transaction exceeds the Cardmember’s assigned Credit Limit. If the Credit Limit request is approved, then the Cardmember may avail the equal monthly installments facility for this transaction.
A transaction can be converted into equal monthly installments with effect from the date it is posted on the relevant Card. In case a transaction has been declared void, the request may not be processed.
Equal monthly installments will be applicable to the Cardmember only after the Cardmember has been informed of the related charges.
In order to avail equal monthly installments facility Cardmember shall either make a request to American Express Saudi Arabia either by submitting a request over recorded telephonic call or make a request through Authenticated Channels. American Express Saudi Arabia shall conduct a detailed review to confirm that the request meets the program’s eligibility conditions.
Customer Services team can also proactively promote and book the instalment plan feature through recorded line and sharing the terms and conditions and plan by email.
American Express Saudi Arabia may approve or reject the request of converting the transaction into instalment plan as per American Express Saudi Arabia policy of eligible transactions and customer’s eligibility and then the customer would be informed about the reason within a week from the date of the decision through a documented/authenticated communication means.
Once approved, American Express Saudi Arabia shall communicate to the Cardmember that the requested amount has been converted to equal monthly installments as per agreed tenure.
The request for equal monthly installments should be submitted before being billed in the statement and at least 3 working days before the statement date for timely processing before the Statement is generated.
Once the equal monthly installments scheme is set up for the Cardmember, the monthly Installment shall be billed as a transaction on the Card and shall appear on the Card statement as part of the Minimum Payment Due amount that the Cardmember will have to pay on or before the Payment Due Date (as specified in the Card Statement). Cardmember cannot change the tenure after the Transaction is transferred to the equal monthly installments facility.
If You choose to cancel or settle the outstanding amount under the equal monthly installments scheme before completion of the tenure, you will be required to pay the full principal outstanding. You will not be charged any Murabaha Margin for the remaining period of the tenure.
If the Cardmember decides to cancel or close a Card account while an equal monthly installments facility is still under way, the equal monthly installments facility will immediately cease to exist and the unpaid balance amount along with the unpaid Murabaha Margin will be immediately due from the Cardmember. The entire outstanding amount including the unpaid principal and the unpaid Murabaha Margin of the remaining period shall be payable by the Cardmember before account closure .However, American Express Saudi Arabia may reimburse Murabaha Margin to Cardmembers for the unutilized period, and such reimbursements shall be at the sole discretion of American Express Saudi Arabia.
American Express Saudi Arabia shall have the right to terminate the equal monthly installments facility at any time by giving 30-day notice to the Cardmember or as mentioned in the Cardmember agreement.
If the equal monthly installments facility, or the Card itself, is cancelled or terminated by American Express Saudi Arabia for any reason during the equal monthly installments Tenure, the outstanding unpaid amounts and any payable Murabaha Margin amount shall become payable by the Cardmember within the 30-day period.
American Express Saudi Arabia may, at its sole discretion, decide to cancel a Cardmember’s equal monthly installments facility if the Cardmember misses a payment on a due date for any single period. However, if the Cardmember misses due payments for three consecutive months for both credit and charge cards, the equal monthly installments facility shall be automatically cancelled and the remaining equal monthly installments outstanding balance shall be added to the existing outstanding balance of the Cardmember.
When the equal monthly installments facility is cancelled due to late payment, all remaining outstanding balance will be transferred to the Card’s outstanding balance and the minimum amount due will either be the full balance for charge cards or 5% of the balance due amount for credit Cards. This outstanding equal monthly installments balance includes the entire equal monthly installments Murabaha Margin that had been agreed upfront with the Cardmember for the full equal monthly installments tenure. However, American Express Saudi Arabia may reimburse Murabaha Margin to Cardmembers for the unutilized period, and such reimbursements shall be at the sole discretion of American Express Saudi Arabia.
Once the equal monthly installments facility is closed and the equal monthly installments outstanding balance is transferred to the Card’s outstanding balance, this amount shall attract the regular Murabaha Margin (for Credit Cards) and/ or Initiation Fee (for Charge Cards) as specified in the Cardmember Agreement until the balance is settled.
In case of over payment, the installment amount will not be rescheduled and it will show as a credit balance on the Cardmember outstanding and will not net off the equal monthly installments Plan amount
Installment period cannot be changed to another period after it has been processed.
In case of a card renewal or replaced, all transactions on the old card will be transferred to the new card including the installment plans.
American Express Saudi Arabia reserves the right to amend or alter these terms and conditions at any time by giving 30 days prior notice.
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 American Express Saudi Arabia. In case of any dispute arises in connection with the purchase or the provision of any goods or services with the merchant the Cardmember must resolve such disputes directly with the merchant. American Express Saudi Arabia is not responsible for the investigating into or resolving any such dispute. The liability of the Cardmember and his obligation to make payment to American Express Saudi Arabia shall not be affected by any such disputes.
The installment program is governed by these terms and conditions in addition to the terms and conditions mentioned in the Cardmember Agreement together with any other terms and conditions to be laid down by American Express Saudi Arabia at any time.
American Express Saudi Arabia may cancel the instalment plan for a material reason or with customer’s consent.
American Express Saudi Arabia must not increase the amount of fees and commissions to be paid by a customers after obtaining the service or product and signing the contract/agreement or the like. An exception is the fees and commissions related to a third party, provided that they are associated with the customer’s benefit of the financed asset, in addition, American Express Saudi Arabia must enable the customer to object in the event of their non-consent to the notification received through one of the documented/authenticated channels.

(Plan IT Loyalty rewards benefit)

Effective Date: This offer is effective from 16 April 2026 (“Effective Date”) until 30 June 2026. American Express Saudi Arabia (“American Express”) reserves the right to amend, suspend, or withdraw this offer at any time, to the extent permitted by applicable laws and regulations.
Eligibility
- This offer is available to eligible Primary Cardmembers whose American Express Card account is active and in good standing.
- Eligible Cards include:
  - Non-Commercial American Express Cards that earn Membership Rewards® (MR) (“MR Cards”)
  - The AlFursan American Express Credit Cards
  - Marriott Bonvoy American Express Credit Cards
Plan It™ Selection (Mandatory):
- Loyalty rewards may be awarded when the Cardmember selects Plan It™ (installments) for an eligible SADAD payment at the time of making the payment (i.e., prior to completing the transaction), subject to eligibility and these Terms & Conditions. If Plan It™ is not selected at the time of payment, the transaction will not qualify for loyalty rewards under this offer.
- Selecting Plan It™ does not automatically grant rewards unless the transaction meets the qualification rules set out in Clause 5.
Minimum Transaction Amount:
- Plan It™ is available only for SADAD bill payment transactions of Ʀ 1,000 or more.
- SADAD bill payment transactions below Ʀ 1,000 are not eligible for Plan It™ and are not eligible for loyalty rewards under this offer.
Qualification Rules:
- To be eligible for loyalty rewards under this offer, the SADAD payment must be (i) made using an Eligible Card, and (ii) completed using Plan It™ at the time of payment. Eligibility may vary by Cardmember, biller, transaction type, or other factors as determined by American Express systems and policies.
- Loyalty rewards availability may vary by biller and transaction type.
Reward Calculation (Multipliers):
- Rewards are calculated as a multiplier (“X”) applied to the Plan It amount (the transaction amount enrolled into Plan It™).
- Meaning of “1X”: “1X” means the Cardmember receives rewards equal to the Plan It amount in USD. Example: If the Plan It amount is Ʀ 37,500 equivalent to USD 10,000 and the multiplier is 1X, the Cardmember receives 10,000 points/miles (as applicable).
  The information below outlines the loyalty rewards earned based on the Plan It period selected:
- Membership Rewards® (MR Cards):
  - 3 months: 1.25X MR points
  - 6 months: 1.5X MR points
  - 9 months: 1.5X MR points
  - 12 months: 2X MR points
- AlFursan Cards:
  - 3 months: 0.25X AlFursan miles
  - 6 months: 0.4X AlFursan miles
  - 9 months: 0.4X AlFursan miles
  - 12 months: 0.5X AlFursan miles
- MBV Cards:
  - 3 months: 0.5X MBV points
  - 6 months: 0.75X MBV points
  - 9 months: 0.75X MBV points
  - 12 months: 1X MBV points
Rewards Crediting:
- Loyalty rewards will be credited to the Cardmember’s applicable loyalty account (MR / AlFursan / MBV), subject to successful Plan It™ plan creation and system processing.
- Rewards will typically reflect within 90 days after creating the plan, unless otherwise communicated by American Express.
Account Status:
To receive loyalty rewards, the Cardmember’s account and Card must be active and in good standing at the time of rewards crediting.
Cap / Limits:
- A maximum of five (5) SADAD bill payment transactions selected with Plan It™ per Client account are eligible for loyalty rewards under this offer(the “Cap”).
- Once the Cap is reached, additional SADAD Plan It™ selections will not be eligible for loyalty rewards under this offer.
Reversals, Cancellations, Disputes:
- If a qualifying SADAD transaction is cancelled, reversed, refunded, disputed, or if Plan It™ is cancelled or terminated for any reason, American Express reserves the right to withhold, reverse, or claw back any rewards credited under this offer.
- If the Cardmember’s account becomes delinquent, blocked, or not in good standing, American Express may withhold or reverse rewards.
Records and Eligibility Determination:
American Express will determine eligibility and reward calculation based on its records and systems. In case of any dispute, American Express records will be final, subject to applicable laws and regulations.
Misuse / Abuse:
If American Express determines, in its reasonable discretion, that a Cardmember has engaged in fraud, misuse, abuse, or gaming in connection with this offer, American Express may refuse to award rewards, reverse rewards, and/or take appropriate account action.
Changes and Termination:
American Express reserves the right to amend, suspend, or terminate this offer, including eligibility criteria, bill categorization rules, threshold requirements, reward multipliers, crediting timelines, and/or the Cap, to the extent permitted by applicable laws and regulations.
Other Terms:
- Plan It™ is subject to the Plan It™ terms, applicable fees, Tawarruq profit rate, and the Cardmember Agreement.
- Membership Rewards®, AlFursan, and Marriott Bonvoy loyalty program rules apply, as relevant.