• Customers can use their SAB Credit Cards at the participating merchant, and convert the transaction to 3 months’ installments at 0% rate with no processing fees. 

• Once the customer chooses to install a transaction, the payment of that transaction will switch from becoming fully due on the due date to being due at month 0% installments.

• The available credit limit on the card account will be decreased by the total value of the due installments, and will start to increase on a monthly basis after the payment of each monthly installment.

• The monthly installment will be added to the total due amount as well as the minimum due amount on the cardholder’s monthly statement (depending on the cardholder’s payment method), which should be paid on or before the due date.

• Late payment or non-payment of installments will lead to the cancellation of the "AQSAT" program and the, and the transaction will be dealt with according to the terms and conditions of the customer's card agreement.

• If the Cardholder wants to close the Card Account before the end of any “Installment” period, the installments due will be added to the unpaid value which will be payable as required by clause 7 of the Cardholder Agreement.

• Any credit balance arising from refunds of claims or amounts deposited in advance by the Cardholder will be used to pay part or all of the unpaid “installments” amounts, in the event that the credit balance is sufficient to cover the payment of all amounts due.

• Cardholder’s Agreement T&Cs apply.

• For more about the Muse Loyalty Programme, please visit www.experience-muse.com