Al Shumookh Signature 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 75Primary card OMR 75, plus a one-off OMR 12 issuance fee. Fees are subject to 5% VAT charged over and above.source

Supplementary card

OMR 35OMR 35 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 travel insurance coverage and extended warranty at this tier. 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

• Access to 1,200+ airport lounges worldwide, 12 times a year (subject to criteria)
• Complimentary airport chauffeur service 3 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
• Extended warranty
• Airport Dining Discount Programme with DragonPass
• 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
• Lost/stolen card protection with zero lost-card liability; 24/7 helpline

Before you apply

• The OMR 70 monthly administrative fee applies whenever any balance is outstanding — nearly the annual fee every month.
• 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 — re-check the Schedule of Charges before relying on any figure.

Can you get it?

Minimum income

OMR 3,500 a monthsource

Age

21 to 60

Other conditions

Salary range OMR 3,500-4,999. Minimum age 21. Maximum age on maturity or retirement: Omanis 60 years, expatriates 59 years. Card limit: minimum OMR 3,500, maximum subject to Debt Burden Ratio (DBR) or cash margin. 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.

• “"Up to 1% cash back on credit card spends * (Government, Transport, Rental, Taxi, Utilities, Petrol transaction categories will receive 0.25% cashback effective from 30 th September 2026)" — ahliislamic.om, Al Shumookh Signature Credit Card”
• “"Access to 1,200+ lounges worldwide, 12 times a year*" — ahliislamic.om, Al Shumookh Signature Credit Card”
• “"Enjoy complimentary Airport chauffer service 3 times per year from/to Muscat International Airport or Salalah International Airport." — ahliislamic.om, Al Shumookh Signature”
• “"Minimum Salary: Salary Range 3,500 - 4,999" / "Minimum Age 21" / "Max Age (On maturity or retirement age) Omani-60 Years, Expatriates - 59 Years" — ahliislamic.om, Al Shumookh Signature”
• “"Card Limit: Min 3,500 - Max Subject to Debt Burden Ratio (DBR) or cash margin" — ahliislamic.om, Al Shumookh Signature”
• “"Signature - 75; Supplementary card: 35 from 2nd card" (Annual Fee) and "Signature - 70" (*Administrative Fee) — ahli islamic Schedule of Charges (June 2026)”

• Product page
• Schedule of charges