AQSAT -  Health and Fitness

AQSAT ‐ Health & Fitness

Nesto logo showing the word Nesto in both Arabic and English langugae in red colors above eachother. On the left side, there is green shopping bag with the capital letter N in red color. beneath the logo written in a small black font, "All that you need"

Nesto

The minimum spend required for 3 months installments is SR 500

Applicable Cards

All SAB Credit Cards excluding “Umlaty” and “My Card”

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Offer is valid from 1 May 2025 till 31 May 2026 May 31, 2026
SACO logo showing the a circle with a house insideit and the words SACO in both Arabic and English languges each in a line on its own next to the circle on the right side. all are in dark blue color

SACO

The minimum spend required for 3 months installments is SR 500, and SR 3,000 for 6 and SR 5,000 for 12 months

Applicable Cards

All SAB Credit Cards excluding “Umlaty” and “My Card”

 

Promotions icon showing a red circle with transparent percentage sign
Offer is valid from 1 May 2025 till 31 May 2026 May 31, 2027
PETROMIN EXPRESS logo showing the words PETROMIN EXPRESS written in white, orange, and brown colors

PETROMIN EXPRESS

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 16 April 2025 till 30 April 2026 April 30, 2026

SONY

The minimum spend required for 3 months installments is SR 500, and SR 2,000 for 6 and 12 months

Applicable Cards

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Offer is valid from 16 April 2025 till 30 April 2026 April 30, 2026

midas

The minimum spend required for 3,6 & 12 months installments is SR 500

Applicable Cards

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Offer is valid from 1 March 2025 till 31 March 2026 March 31, 2026
Offers

Almatar

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and SR 3,000 for 12 months

Applicable Cards

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Offer is valid from 5 March 2025 till 5 March 2026 March 5, 2026
Sharaf DG logo

Sharaf DG

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 9 February 2025 till 31 January 2026 January 31, 2026
Alomar logo

Alomar

The minimum spend required for 3 months installments is SR 500, and SR 5,000 for 6 months and SR 10,000 for 12 months

Applicable Cards

Promotions icon
Offer is valid from 1 February 2025 till 31 January 2026 January 31, 2026
51 Talk  logo

51 Talk

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 months and SR 2,000 for 12 months

Applicable Cards

Promotions icon
Offer is valid from 1 February 2025 till 31 January 2026 January 31, 2026
Smile Dental Clinic logo

Smile Dental Clinic

The minimum spend required for 3 months installments is SR 500, and SR 8,000 for 6 and 12 months

Applicable Cards

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Offer is valid from 1 February 2025 till 31 January 2026 January 31, 2026
Offers

KARL LAGERFELD

he minimum spend required for 3 months installments is SR 500

Applicable Cards

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From 1 June 2024 Until 31 May 2025 May 31, 2025
Offers

GUESS

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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From 1 June 2024 Until 31 May 2025 May 31, 2025
Offers

ETOILE LA BOUTIQUE

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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From 1 June 2024 Until 31 May 2025 May 31, 2025
Offers

ADOLFO DOMINGUEZ

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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From 1 June 2024 Until 31 May 2025 May 31, 2025
Offers

LACOSTE

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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From 1 June 2024 Until 31 May 2025 May 31, 2025
Offers

JIMMY CHOO

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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From 1 June 2024 Until 31 May 2025 May 31, 2025
Offers

ETRO

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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From 1 June 2024 Until 31 May 2025 May 31, 2025
RALPH LAUREN

RALPH LAUREN

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
OFF WHITE

OFF WHITE

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
MICHAEL KORS

MICHAEL KORS

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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From 1 June 2024 Until 31 May 2025 May 31, 2025
TORY BURCH

TORY BURCH

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
VERSACE

VERSACE

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
TODS

TODS

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
 FACES

FACES

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
RENE CAOVILLA

RENE CAOVILLA

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
FERRAGAMO

FERRAGAMO

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
L'OCCITANE

L'OCCITANE

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
GIVENCHY BEAUTY

GIVENCHY BEAUTY

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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ffer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
GHAWALI

GHAWALI

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
YSL BEAUTY

YSL BEAUTY

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
MOLTON BROWN

MOLTON BROWN

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
KILIAN

KILIAN PARIS

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
SWAROVSKI

SWAROVSKI

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
THE VISITOR

THE VISITOR

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
TANAGRA

TANAGRA

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
NARS

NARS

The minimum spend required for 3 months installments is SR 500

Applicable Cards

Promotions icon
Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
TOM FORD

TOM FORD

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
TUMI

TUMI

The minimum spend required for 3 months installments is SR 500

Applicable Cards

Promotions icon
Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
GIORGIO ARMANI BEAUTY

GIORGIO ARMANI BEAUTY

The minimum spend required for 3 months installments is SR 500

Applicable Cards

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Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
Offers

BOSS KIDS

The minimum spend required for 3 months installments is SR 500

Applicable Cards

Promotions icon
Offer is valid from 1 June 2024 till 31 May 2025 May 31, 2025
Noon logo

Noon

Minimum Transaction Value: SR 500 for 3, 6 month & SR 3,000 for 12 months

Applicable Cards

Promotions icon
Offer is valid from 1 January 2025 till 31 December 2025 December 31, 2025
Back comfort logo

Back comfort

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 1 January 2025 till 31 December 2025 December 31, 2025
Alshammasi Furniture

Alshammasi Furniture

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and SR 2,000 for 12 months. 

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
ALMUTLAQ Co. ltd.

ALMUTLAQ Co

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Alruqaib

Alruqaib

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

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Offer is valid from 15 June 2024 till 15 June 2025 June 15, 2025
Ashley

Ashley

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

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Offer is valid from 15 June 2024 till 15 June 2025 June 15, 2025
Offers

Four Seasons Hotel

The minimum spend required for 3 months installments is SR 500, and SR 3,000 for 6 and SR 5,000 for 12 months. 

Applicable Cards

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Offer is valid from 1 December 2024 till 1 November 2025 November 1, 2025
Kooheji Jewellery

Kooheji Jewellery

The minimum spend required for 3 months installments is SR 500, and SR 5,000 for 6 and SR 7,000 for 12 months

Applicable Cards

Promotions icon
Offer is valid from 1 July 2024 till 31 May 2025 May 31, 2025
Indian-Motorcycle

Indian Motorcycle

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

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Offer is valid from 1 August 2024 till 30 June 2025 June 30, 2025
Offers

Drive 7

The minimum spend required for 3 ,6 months installments is SR 500, and SR 2,000 for 12 months

Applicable Cards

Promotions icon
Offer is valid from 1 July 2024 till 31 July 2025 July 31, 2025
Italian-Co-Aqsat

Italian appliances Trading

The minimum spend required for 3 months installments is SR 500, and SR 2,000 for 6 and SR 3,500 for 12 months

Applicable Cards

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Offer is valid from 1 September 2024 till 31 July 2025 July 31, 2025
Oppolia

OPOLIA

The minimum spend required for 3 ,6 months installments is SR 500, and SR 2,000 for 12 months

Applicable Cards

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Offer is valid from 1 August 2024 till 31 July 2025 July 31, 2025
Offers

Professional Closets

The minimum spend required for 3 months installments is SR 500, and SR 5,000 for 6 and SR 10,000 for 12 months

Applicable Cards

Promotions icon
Offer is valid from 1 July 2024 till 31 July 2025 July 31, 2025
eXtra

eXtra

The minimum spend required for 3 months installments is SR 500

Applicable Cards

Promotions icon
Offer is valid from 1 January 2025 till 31 December 2025 December 31, 2025
Lulu Hypermarket

Lulu Hypermarket

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 October 2024 till 25 October 2025 October 25, 2025
Alriyad Travel & Tourism

Alriyad Travel & Tourism

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
MAGRABI

MAGRABI

The minimum spend required for 3 months installments is SR 500, and SR 2,000 for 6 and 12 months

Applicable Cards

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Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
STC channels

STC channels

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Al-Motaqadimah Schools Company

Al-Motaqadimah Schools Company

The minimum spend required for 3 months installments is SR 500, and SR 5,000 for 6 and SR 6,000 for 12 months

Applicable Cards

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Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Black box

Black box

The minimum spend required for 3 months installments is SR 500, and SR 5,000 for 6 and SR 10,001 for 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Sheta & Saif

Sheta & Saif

The minimum spend required for 3 months installments is SR 500, and SR 5,000 for 6 and SR 10,001 for 12 months

Applicable Cards

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Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Al-Manea

Al-Manea

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Abdullah Atallah Al-Farhoud Trading Est

Abdullah Atallah Al-Farhoud Trading Est

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Lilt Trading

Lilt Trading

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Virgin

Virgin

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Roomz

Roomz

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
CityW

CityW

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Miro Trading

Miro Trading

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Al-Jazirah Vehicles

Al-Jazirah Vehicles

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Amazon

Amazon

The minimum spend required for 3,6 & 12 months installments is SR 500

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Offers

Panda

The minimum spend required for 3 months installments is SR 500

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
The Gate hotel

The Gate hotel

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Arror Modern Future

Arror Modern Future

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Redsea

Redsea

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Ghazala Co

Ghazala Co

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Sawwah

Sawwah

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Fly Egypt

Fly Egypt

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Anigma

Anigma

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Diamond Horizon tourism

Diamond Horizon tourism

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Yalla Home Gym

Yalla Home Gym

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Dar Al-Hekma University

Dar Al-Hekma University

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Atlobha

Atlobha

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Offers

Ikea

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Offers

Saudia

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Offers

Almosafer

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
Offers

Jarir

The minimum spend required for 3 months installments is SR 500, and SR 1,000 for 6 and 12 months

Applicable Cards

Promotions icon
Offer is valid from 25 December 2024 till 30 November 2025 November 30, 2025
FAQ's

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:

AQSAT Installment Calculation - SAR 5,000 Transaction
Tenor 6 Months 12 Months 24 Months
Annual percentage rate (APR) 0% 0% 24% (12% annual rate)
Monthly Installment (SAR) 833.3 416.7 258.3
Administration Fee (Fixed amount)

113.85

228.85 57.5

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)