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Introduction: Zain Credit Service
Zain Saudi Arabia has a helpful service called Zain Credit. It lets prepaid users get instant airtime, data bundles, or mixed packages (voice + data) when their balance is low. Users can pay for it later during their next recharge.
This is great for urgent calls, internet use, or texting when you’re low on credit. Let’s look at how to use this service step by step.
What is Zain Credit Service
- A loan-based credit service for Zain prepaid customers
- Available in three types:
- Airtime Balance : Up to SAR 75
- Data Bundle : Up to 1 GB
- Mix Bundle : Voice + Data combo
- Automatically deducted from your next recharge
- Includes a service fee (20% of the borrowed amount)
Example:
If you borrow SAR 10 , then on your next recharge, SAR 12 will be deducted (SAR 10 + SAR 2 fee).
How to Access Zain Credit
You can get Instantly Zain Advance Loan using these methods. This is the fastest and easiest method to get instant credit when your balance is low.
Borrow Airtime Balance (Up to SAR 75)
Method 1: Dial USSD Code
- Dial the Zain Loan Code : 1*900*1#
- You will receive an instant airtime credit of SR 5 to SR 75, depending on your eligibility and previous usage.
- Use the credit for calls, SMS, or data until your next recharge.
1*900*1#Method 2: Send SMS
If you prefer using SMS, you can also request a Zain advance credit by sending a message.
- Open your Messages app
- Write the digit: “1”
- Send it to: 700900
- You will receive a confirmation SMS
Get Data Bundle (Up to 1 GB)
- Open your Messages app
- Write the digit: “D”
- Send it to: 700900
- You will receive a data bundle up to 1 GB, depending on your eligibility.
Get Mix Bundle (Voice + Data)
- Open your Messages app
- Write the digit: “Mix”
- Send it to: 700900
- You’ll receive a combination of voice minutes and data, based on availability and your account status.
Explore All Options via Menu
Dial:
*900#From the menu, you can:
- Choose your preferred credit band
- Select between balance, data, or mix bundles
- View available options tailored to your usage history
Repayment Details
- The borrowed amount or bundle value is automatically deducted from your next recharge
- A service fee of 20% is also applied
- If you don’t recharge within 30 days, you may lose access to the service.
Terms & Conditions
| Feature | Details |
|---|---|
| Eligibility | Only for Zain prepaid users |
| Minimum Balance Requirement | Must have zero or very low balance |
| Credit Limit | Up to SAR 75 for airtime |
| Data Limit | Up to 1 GB |
| Service Fee | 20% of the borrowed amount |
| Repayment | Deducted automatically on next recharge |
| Usage | Local/International calls, SMS, data |
| Not Allowed For | VAS services, subscriptions, international transfers |
Important Notes
- This service is only available when your main balance is zero or insufficient
- You must recharge within 30 days to avoid service suspension
- Service fees are non-refundable
- Availability of bundles depends on your account’s history and usage pattern
Final Thoughts
The Zain Credit Service is a lifesaver for prepaid users who need to stay connected during emergencies. Whether you need a quick call, some data to browse, or a combination package, Zain makes it easy to borrow now and pay later.
If you found this guide helpful, please share it with others who might need help using Zain emergency load in Saudi Arabia.
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