Al Shumookh Infinite Credit Card

What makes this card Islamic

ahli islamic builds this card on a Ujrah contract. The bank charges you a fixed fee for the service of giving you a card, rather than a charge that grows with the money you owe.

Range-wide ahli islamic structure: Ujra (fee for services availed) with no interest, a charity undertaking on late payment, and blocking of non-Shariah-compliant merchant categories.

Approved by Shari'a Supervisory Board (SSB), under the supervision of Central Bank of Oman (CBO).

What it costs

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

Annual fee

OMR 100Primary card OMR 100, plus a one-off OMR 12 issuance fee. Fees are subject to 5% VAT charged over and above.source

Supplementary card

OMR 50OMR 50 from the 2nd supplementary cardsource

Profit rate

0% a month on the outstanding balance0% a year as stated by the banksource

Cash withdrawal

OMR 3

Late payment

'Charity for Late Payment: 1% p.a.' — credited to charity accounts, not treated as bank income'Charity for Late Payment: 1% p.a.' — credited to charity accounts, not treated as bank income

Foreign currency spend

2.5% on top of the exchange rate

Replacement card

OMR 10

Takaful cover

Takaful insurance coverage is included on the card (range-wide feature), plus free travel insurance on airline tickets purchased with the card, purchase protection and extended warranty. Cover limits and underwriter are not published.

What you get back

• Up to 1% cash back on credit card spends
• Government, Transport, Rental, Taxi, Utilities and Petrol transaction categories receive 0.25% cashback, effective from 30 September 2026
• Earn Pearl Points on every spend

Other benefits

• Unlimited access to 1,200+ airport lounges worldwide with 1 guest (subject to criteria)
• Complimentary airport chauffeur service 5 times per year to or from Muscat International or Salalah International Airport
• Global Visa concierge service
• Free travel insurance when airline tickets are purchased with the card
• Purchase protection and extended warranty
• Card usage blocked at non-Shariah-compliant merchant categories
• Takaful insurance coverage on the card
• Worldwide acceptance; EMV chip and Verified by Visa; monthly statement
• Supplementary cards for family; lost/stolen card protection with zero lost-card liability; 24/7 helpline

Before you apply

• Not openly available — the bank publishes 'By Invitation only' for both the salary requirement and the credit limit.
• OMR 75 monthly administrative fee whenever any balance is outstanding, on top of a OMR 100 annual fee.
• Cashback on Government, Transport, Rental, Taxi, Utilities and Petrol drops to 0.25% from 30 September 2026.
• Fees exclude 5% VAT, charged on top. Credit card fees and charges were being updated effective 12 July 2026.

Can you get it?

Age

21 to 60

Other conditions

By invitation only — the bank publishes 'By Invitation only' in place of a minimum salary, and 'By invitation only - Max Subject to Debt Burden Ratio (DBR) or cash margin' in place of a card limit range. Minimum age 21. Maximum age on maturity or retirement: Omanis 60 years, expatriates 59 years. Minimum service: Omanis in government and quasi-government 3 months, private sector 6 months; expatriates resident in Oman at least 2 years and with the current employer at least 1 year.

Where these figures come from

Last checked against ahli islamic’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.

• “"Unlimited access to 1,200+ lounges worldwide with 1 guest*" — ahliislamic.om, Al Shumookh Infinite Credit Card”
• “"Enjoy complimentary Airport chauffer service 5 times per year from/to Muscat International Airport or Salalah International Airport." — ahliislamic.om, Al Shumookh Infinite”
• “"Minimum Salary: By Invitation only" / "Card Limits: By invitation only - Max Subject to Debt Burden Ratio (DBR) or cash margin" — ahliislamic.om, Al Shumookh Infinite”
• “"Minimum Age 21" / "Max Age(On maturity or retirement age) Omani- 60 Years, Expatriates - 59 Years" — ahliislamic.om, Al Shumookh Infinite”
• “"Infinite - 100; Supplementary card: 50 from 2nd card" (Annual Fee) and "Infinite - 75" (*Administrative Fee) — ahli islamic Schedule of Charges (June 2026)”
• “"Up to 1% cash back on credit card spends *" — ahliislamic.om, Al Shumookh Infinite Credit Card”

• Product page
• Schedule of charges