Warba Bank · Fully Islamic bank

Mastercard Platinum

The lowest salary threshold of any Warba card (KD 250) with lounge access included.

MastercardPlatinum

Annual fee: KD 150
Profit rate: 0%
Minimum income: KD 250 a month
Rewards: None

Warba Bank

Mastercard Platinum

Platinum

Mastercard

Read it from the source

What makes this card Islamic

The bank does not name the contract

We could not find Warba Bank stating which Shariah contract this card is built on. That is not the same as saying the card is non-compliant, but it does mean you cannot check the reasoning for yourself. Ask the bank which structure it uses, and for its Shariah board’s approval, before you apply.

Approved by Sharia Board, under the supervision of Central Bank of Kuwait (CBK).

What it costs

Every figure below comes from Warba Bank’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee: KD 150Warba states this as the card's “Issuance & renewal fee”.source
Supplementary card: KD 150Warba states this as the card's “Supplementary card fee”.source
Profit rate: 0% a month on the outstanding balance0% a year as stated by the banksource
Cash withdrawal: KD 6 per ATM withdrawal locally or internationally, plus a 2.5% currency conversion fee on international withdrawals.
Late payment: Not published
Foreign currency spend: 2.5% on top of the exchange rate

What you get back

Other benefits

Airport lounge access via Mastercard Travel Pass, 6 complimentary visits per year
Purchase protection against theft or accidental damage up to US$5,000
Up to 10% cashback with Booking.com; up to 20% off Avis
Up to 20% off Talabat grocery or food orders twice a month

Before you apply

From 1 June 2026 the USD 1 international spend requirement was removed for Mastercard credit cardholders' lounge access.

Can you get it?

Minimum income: KD 250 a monthsource
Other conditions: Card limit KD 250–KD 990. Available in both charge and revolving options.

What to have ready

Civil ID
3 months statement (6 months for private sector and non-Kuwaiti)
Salary certificate with salary continuity certificate
Authorised signatory and PIFSS certificates (private-sector employees)

Where these figures come from

Last checked against Warba Bank’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

“"Issuance & renewal fee | 150 KD ... Foreign transaction fee | 2.5% ... ATM withdrawal fee | 6 KD ... Supplementary card fee | 150 KD" — Warba Platinum Mastercard product PDF, Card Details table”
“"Who is it for? Customers with a salary of KD 250 or more, or issuance against a fixed balance." — Warba Mastercard Platinum product page FAQ”
“"It is a Sharia-compliant credit card, without any additional fees, available in both charge and revolving options." — Warba Mastercard Platinum product page”
“"How does this card align with Islamic financial principles? Yes, this product is a Sharia compliant credit card with no profit added." — Warba Bank card FAQ”
“"You can withdraw cash from other banks’ ATMs, both locally and internationally, with a fee of KWD 6 per transaction. For international withdrawals, an additional 2.5% currency conversion fee applies." — Warba Bank card FAQ”

What we could not verify

Warba Bank does not publish shariah contract, shariah board, minimum age, maximum age, late payment fee, over-limit fee, replacement card fee, takaful cover, reward caps, apr for this card, so we have left those blank rather than guess. If you need one of them, ask the bank directly and hold them to the answer in writing.

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