Mastercard World Elite Dual Chip

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 240Warba states this as the card's “Issuance & renewal fee”.source

Supplementary card

KD 240Warba 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

• Two EMV chips, each with its own card number, PIN and CVV (debit + credit in one card)
• Access to over 1,300 airport lounges in 135 countries via Mastercard Travel Pass
• Mastercard Concierge, including 15% off airport services at 470+ airports
• Up to 35% off Avis, with complimentary President's Club membership

Can you get it?

Other conditions

Charge limit KD 3,000–KD 50,000; revolve limit KD 3,000–KD 10,000. Designed for Private Banking customers. Applicant must meet the salary requirement or hold an amount equal to 110% of the card limit.

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 | 240 KD ... Foreign transaction fee | 2.5% ... ATM withdrawal fee | 6 KD ... Supplementary card fee | 240 KD" — Warba World Elite Dual Chip Mastercard product PDF, Card Details table”
• “"To be eligible for World Elite Dual Chip Mastercard, you must either meet the salary requirement or hold an amount equal to 110% of the card limit." — Warba World Elite Dual Chip Mastercard product PDF”
• “"Warba Bank, in partnership with Mastercard, introduces the first Dual Chip Card combining debit and credit in one contactless card." — Warba Mastercard World Elite Dual Chip product page”
• “"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”

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• Schedule of charges
• Terms and conditions