Gold 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.

ahli islamic states the structure directly: 'The Credit Card, based on the principle of Ujra, is the first Socially Responsible credit card in the Sultanate of Oman... The card is based on the Shari'a principle of Ujra whereby the customer pays certain fees for the services availed.' The monthly charge is labelled an 'Administrative Fee' in the Schedule of Charges and is collected only when there is an outstanding amount on the card. The bank also blocks the card at non-Shariah-compliant merchant categories (alcohol, pork products, gambling, casinos), which no other Omani issuer publishes.

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 30Primary card OMR 30. A one-off issuance fee of OMR 12 also applies to all primary and supplementary cards. All fees are subject to 5% VAT charged over and above the listed amount (RD 2020/121).source

Supplementary card

OMR 15OMR 15 from the 2nd supplementary card (the schedule implies the 1st is not charged an annual fee); OMR 12 issuance fee applies to supplementary cards toosource

Profit rate

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

Cash withdrawal

Cash withdrawal fee OMR 3

Late payment

Schedule of Charges line is 'Charity for Late Payment: 1% p.a.'. The bank states the cardholder undertakes to pay the amount as charity, which is not treated as ahli islamic income but credited to charity accounts on behalf of customers.Schedule of Charges line is 'Charity for Late Payment: 1% p.a.'. The bank states the cardholder undertakes to pay the amount as charity, which is not treated as ahli islamic income but credited to charity accounts on behalf of customers.

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 (bank's wording: 'Security: Takaful insurance coverage on the card'). Cover limits and underwriter are not published on the card page.

What you get back

• Earn Pearl Points on every spend (ahli islamic's Pearl Points loyalty programme)

Other benefits

• Card usage blocked at non-Shariah-compliant merchant categories (alcohol, pork products, gambling, casinos)
• ahli islamic contributes to charity organisations in Oman every time the cardholder uses the card
• Takaful insurance coverage on the card
• SMS alerts, purchase protection and ID theft protection
• Worldwide acceptance
• EMV chip and Verified by Visa for online transactions
• Monthly statement; supplementary cards for family
• Lost/stolen card protection with zero lost-card liability
• 24/7 customer helpline

Before you apply

• ahli islamic notified an update to credit card fees and charges effective 12 July 2026; verify the current Schedule of Charges before relying on any figure.
• All listed fees are exclusive of 5% VAT, which is charged over and above (unlike Dhofar Islamic and Meethaq, which publish VAT-inclusive totals).
• There is a one-off OMR 12 issuance fee on every card, primary and supplementary — no other Omani Islamic issuer charges one.
• The monthly OMR 10 administrative fee applies whenever any balance is outstanding.

Can you get it?

Minimum income

OMR 320 a monthsource

Age

21 and over

Other conditions

Salary range OMR 320-999. Minimum age 21. Card limit OMR 250-1,999. Minimum service: Omanis in government and quasi-government 3 months, private sector 6 months; expatriates must be resident in Oman for at least 2 years and with the current employer for at least 1 year. The bank publishes no maximum age for this tier (it does for Signature and Infinite).

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.

• “"The Credit Card, based on the principle of Ujra, is the first 'Socially Responsible' credit card in the Sultanate of Oman." — ahliislamic.om, Credit Cards”
• “"As per Shari'a principles, ahli islamic cannot charge customers with any interest on the amount withdrawn through the card. In case the cardholder is delayed in making timely payment, the cardholder undertakes to pay certain amount as charity, which is not considered as income for ahli islamic; rather, it is credited to charity accounts on behalf of the customers." — ahliislamic.om, Credit Cards”
• “"Moderation: Usage of card is blocked in non-Shari'a compliant areas such as alcohol, pork related products, gambling, casinos, etc." — ahliislamic.om, Credit Cards Features”
• “"Annual Fee — Gold: Primary Card - 30; Supplementary card: 15 from 2nd card" — ahli islamic Schedule of Charges (June 2026), Credit Cards”
• “"*Administrative Fee — Gold - 10" and "* Fee to be collected on monthly basis if there is an outstanding amount on the credit card." — ahli islamic Schedule of Charges (June 2026)”
• “"Issuance fees (For all primary and supplementry cards): 12" — ahli islamic Schedule of Charges (June 2026)”
• “"Foreign currency transactions: Up to 2.5% of transaction value" — ahli islamic Schedule of Charges (June 2026)”
• “"Charity for Late Payment: 1% p.a" — ahli islamic Schedule of Charges (June 2026), Credit Cards”
• “"Minimum Salary: Salary Range 320 - 999" / "Minimum Age 21" / "Card Limit 250 - 1,999" — ahliislamic.om, Gold Credit Card”
• “"Effective 12 July 2026, our Credit Cards Fess & Charges will be updated." — ahliislamic.om, Credit Cards important notice”

• Product page
• Schedule of charges