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Amwal review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Amwal suits Saudi shoppers who want a credit card used for installments, not revolving balances. The card has an annual fee of SAR 0 and a listed APR of 0%, keeps your existing points, rewards and miles, and needs no registration or document uploads.

Key facts

Best for
Fee-free credit card installments that keep your existing points, rewards and miles.
Annual fee
SAR 0↗
APR
0%↗
Rewards type
Points↗
Perks
No Amwal fees or interest on credit card installments, Zero interest, most plans fee-free, Sharia compliant Tawarruq or Murabaha structure, Keeps credit card points, rewards and miles, No registration or document uploads, 3-24 month installment tenors, Online checkout, in-store POS and Apple Pay↗
Card kind
Credit↗
Legal entity
Amwal Tech Inc.↗
Headquarters
Saudi Arabia↗
Support channels
Email, Help-centre, Community↗
Features
Rewards
Official website
amwal.tech

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInX

Pros and cons

Pros

  • The credit card has an annual fee of SAR 0 and a listed APR of 0% on installments.
  • Most plans are fee-free, with no Amwal fees or interest charged on credit card installments.
  • No registration or document uploads are needed to set up and use the card.
  • Card points, rewards and miles stay on the account while you pay in installments.

Cons

  • Support runs on email, help centre and community only, so anyone wanting a phone line or live chat has to rely on email.
  • Rewards come as points rather than cashback, which suits people already collecting points and miles.
Amwal

Ready to try Amwal?

Scored 9.7 / 10 by SumCue.

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Who it suits

  • Shoppers in Saudi Arabia who want to split a purchase into installments without an annual fee.
  • Cardholders who want to keep earning the points, rewards and miles already on their card.
  • People who prefer a Sharia compliant Tawarruq or Murabaha structure and no document uploads.

Who should look elsewhere

  • bunq, whose plans carry an annual fee of €0, may suit readers who want a different card setup.
  • Varo Believe Secured Credit Card, with an annual fee of $0, may suit readers building credit on a secured card.

Deposit protection

Amwal Tech Inc. appears in Saudi Arabia under the Saudi Central Bank, also named SAMA, with PSP013, and in the United Arab Emirates under the Financial Services Regulatory Authority of Abu Dhabi Global Market with 00076. These entries identify the supervisors behind the provider rather than any deposit guarantee.

How Amwal compares

Where Amwal is available

Available
Saudi Arabia, United Arab Emirates
Licence in Saudi Arabia
Saudi Central Bank (Saudi Payments) / SAMA (PSP013), checked September 26, 2026
Licence in United Arab Emirates
Financial Services Regulatory Authority, Abu Dhabi Global Market (ADGM) (00076), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the Amwal credit card cost?+

The annual fee on the Amwal credit card is SAR 0 and the listed APR is 0%. Amwal charges no fees or interest of its own on credit card installments, and most plans are fee-free, so the cost of splitting a purchase is limited to what the issuer charges.

How long can an Amwal installment run for?+

Amwal lets you choose an installment tenor when you split a purchase, with the plans described in No Amwal fees or interest on credit card installments, Zero interest, most plans fee free and Sharia compliant Tawarruq or Murabaha structure. Most plans are fee-free with no Amwal fees or interest, so the tenor reflects the monthly repayments you want rather than the price of the plan.

What rewards does Amwal offer?+

The reward type on the Amwal card is points, so spending earns points rather than cashback. Amwal also says the arrangement keeps your credit card points, rewards and miles, which matters if the card you pay with already collects them. The card itself carries an annual fee of SAR 0.

Where can the Amwal card be used?+

Amwal supports online checkout, in-store point of sale and Apple Pay, as set out in No Amwal fees or interest on credit card installments, Zero interest, most plans fee free and Sharia compliant Tawarruq or Murabaha structure. The card runs as a credit card, so those payment methods are the ones listed for everyday spending. Signing up needs no registration and no document uploads.

Which regulator supervises Amwal?+

Amwal Tech Inc. is listed in Saudi Arabia under the Saudi Central Bank, also named SAMA, with PSP013. It also appears in the United Arab Emirates under the Financial Services Regulatory Authority of Abu Dhabi Global Market with 00076. Both records point to the supervisors behind the provider.

Do I need to register or upload documents?+

No. Amwal states there is no registration and no document upload, as set out in No Amwal fees or interest on credit card installments, Zero interest, most plans fee free and Sharia compliant Tawarruq or Murabaha structure. Setup stays short: you choose a plan and pay in installments, and the card keeps your existing points, rewards and miles. The card is a credit card with an annual fee of SAR 0.

Sources

  • amwal.tech checked September 26, 2026

    Backs: Features

    “Use your credit card to spread costs over 3-24 months. No new app, no extra charges - and earn every reward point your card offers.”

  • amwal.tech/en/consumer-faq checked September 26, 2026

    Backs: Support channels

    “Got Questions? Everything you need to know about the product and billing.”

  • amwal.tech/en/how-it-works checked September 26, 2026

    Backs: APR, Card kind, Perks, Rewards type

    “Most plans have no fees and every plan has zero interest.”

  • amwal.tech/en/privacy checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “Our information may be transferred to Saudi Arabia, UAE, and other locations.”

  • amwal.tech/en/terms checked September 26, 2026

    Backs: Annual fee

    “Credit card installments: Amwal does not charge customers any fees or interest for using credit card installment plans through Amwal.”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee.

Amwal

Amwal

Fee-free credit card installments that keep your existing points, rewards and miles.

9.7/10See alternatives