Mastercard World

What makes this card Islamic

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 100Warba states this as the card's “Issuance & renewal fee”.source

Supplementary card

KD 100Warba 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

• Earn up to 10% cashback or KD 1,000 monthly

Other benefits

• Unlimited access to 1,300+ airport lounges
• Travel medical insurance up to US$500,000 for cardholder and spouse, 25% for children and domestic helper
• Up to 10% cashback with Booking.com; 15% off IHG hotels

Can you get it?

Minimum income

KD 1,000 a monthsource

Other conditions

Card limit KD 1,000–KD 2,990.

What to have ready

• Civil ID
• Account statements for the last 3 months (6 months for private-sector employees and non-Kuwaitis)
• Salary and salary-continuation 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 | 100 KD ... Foreign transaction fee | 2.5% ... ATM withdrawal fee | 6 KD ... Supplementary card fee | 100 KD" — Warba World Mastercard product PDF, Card Details table”
• “"Who is it for? Customers with a salary of KD 1,000 or more, or issuance against a fixed balance." — Warba Mastercard World product page FAQ”
• “"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”

• Product page
• Schedule of charges
• Terms and conditions