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Split your payments

Shop your favourite stores and check out with Tamara. Pay a fraction of your total, and the rest over time - no hidden fees, no interest.

Why Tamara?

 

How do I use Tamara?

 
 

Questions you might ask

What's required for me to pay with Tamara?

It's simple! You'll need to be over 18 years old with a valid, verifiable mobile number, a valid ID, and a valid payment card in Saudi Arabia, the United Arab Emirates or Kuwait.* 

*Tamara's availability may vary depending on the store you are shopping at.


When will I receive my order if I pay with Tamara?

You'll receive your order on time, and make your payments according to your chosen payment plan! When paying with Tamara, your first payment is due upon making the order.

Once your first payment is made, your order is confirmed and will be shipped to you as per the store's policies. If you have any questions or concerns regarding payments, please reach out to the Tamara Customer Care team for support. 


What happens if I want to make a return / cancellation?

With Tamara, it's hassle-free! Based on the store's policies, request the return or cancellation from the store. Once the store informs us of your return or cancellation, your payment plan will be updated and the relevant amount will be refunded to your account. 


What happens if I miss a payment?

As long as you make your payments on time, you'll never be charged a late fee! However, if you miss a payment due date, Tamara charges a late fee of SAR/AED 25 or KWD 2 one day after the due date.

An additional late fee of SAR/AED 25 or KWD 2 will be charged with every 15 days of delay. Fees are limited to SAR/AED 150 or KWD 12, or 25% of the order value (the minimum of which will apply). 

Download the Tamara app to get payment reminders and easily keep track of your payments.

Please note: Repeated delays in payment will be reported to the credit bureau in Saudi Arabia (SIMAH), AECB in the United Arab Emirates or Ci-Net in Kuwait. This will impact your credit score and lead to the suspension of your Tamara account until your entire overdue amount, including late fees, is paid in full.


Why was my order declined?

There are several potential reasons for rejection, including but not limited to the following:

1. Your card isn't activated or fit for e-commerce purchasing.

2. You have prior commitments to your bank/telecommunications company and/or are flagged by Simah/Al Etihad Credit Bureau (AECB)/Ci-Net.

3. You have overdue payments with Tamara.

4. Tamara's intricate risk system considers the value of your purchase too high.

5. The value of the items you're trying to buy exceeds the allowed purchase limit.

If none of the above reasons apply to you, please try again with a different card.

Reach out to the Tamara team

 
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