SAB Aqsat is a credit card feature that offers the convenience of paying large value transactions in small, equal and affordable installments.

It’s simple. Once you make a purchase of SAR 500 or more, you need to call SAB Phone  800 124 5557

5 days after you make the transaction and within 15 days from the transaction date and request to

convert the purchase amount into instalments for a nominal fee. You will have to specify the

repayment duration (6, 12, or 24 months) for which you would like to benefit from the Aqsat feature.

No, you do not need to apply or fill a separate application form to benefit from AQSAT. All you need to do is to call SAB Direct  800 124 5557   5 days after you make the transaction and request to convert your purchase amount into AQSAT (monthly installments).

There are no documents or a down-payment required to benefit from the Aqsat feature

A nominal processing fee depends on the AQSAT plan you choose. For more about fees please check the table above.

The table below is an example of how “SAB AQSAT” works for credit card transaction of SAR 5,000 converted into a SAB AQSAT plan for 6, 12, or 24-months term:

Yes, all SAB Credit Cardholders can benefit from the AQSAT feature, (Except for SAB Visa Credit Card * My Card and SAB Business Credit Card).

No, there is no limit on the number of transactions you can convert to AQSAT. You can convert your transaction to AQSAT up to the maximum available credit limit but no more than 95% of your credit card limit

The credit limit equal to the AQSAT transaction would be blocked initially. The remaining balance of the booked AQSAT transaction would be blocked and released gradually after each monthly installment. For Example: If your credit limit is SAR 10,000 and you have done an AQSAT transaction for SAR 6,000. Initially, your credit limit would be blocked for SAR 6,000 and as and when you are repaying your monthly installment of SAR 1,000, the blocked limit would be released. Once you repay 3 installments, you would have SAR 7,000 available limit and once you settle the entire AQSAT outstanding balance, you would have your entire credit limit of SAR 10,000.

The relevant A Monthly Installment will be added to Amount Outstanding and the Minimum Amount Due on each month’s statement, the total of which needs to be settled by the customer on or before the payment due date (until all Aqsat outstanding amount is fully paid)

In case you wish to cancel the AQSAT transaction prior to the end of any outstanding AQSAT term, you need to call SAB Phone at 800 124 5557 and request for the same. This will take a minimum of 3 working days for the cancellation to take effect. The AQSAT outstanding amount RESTRICTED will be added to the overall outstanding amount which would need to be settled by the payment due date. The Bank will charge a fee of SAR 115 as an early settlement fee.

Yes, you can benefit from exclusive 0% annual percentage rate at participating merchant outlets.

Yes, you earn ICSAB+ reward points for purchases converted to AQSAT.

For more information about AQSAT, please call SAB Phone 800 124 5557 (within the Kingdom) or +966 800 124 5557 (outside the Kingdom)