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Islamic Credit Cards
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Alizz Islamic Bank · Fully Islamic bank

Tharwa Infinite Visa Credit Card

Alizz Tharwa priority customers who travel often — unlimited lounge access plus a guest, with the annual fee and the first three supplementary cards waived at Tharwa tier.

VisaInfinite
Annual fee
OMR 105
Profit rate
0%

a month on the outstanding balance

Minimum income
Not published
Rewards
None

Read it from the source

What makes this card Islamic

The bank does not name the contract

We could not find Alizz Islamic Bank stating which Shariah contract this card is built on. That is not the same as saying the card is non-compliant, but it does mean you cannot check the reasoning for yourself. Ask the bank which structure it uses, and for its Shariah board’s approval, before you apply.

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

What it costs

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

Annual fee
OMR 105Waived for Tharwa customerssource
Supplementary card
OMR 31.50Annual supplementary fee 31.50; first 3 supplementary cards waived for Tharwa customerssource
Profit rate
0% a month on the outstanding balance0% a year as stated by the banksource
Cash withdrawal
3.15 using an Alizz Islamic Bank ATM; 3.675 using a non-Alizz ATM outside Oman
Late payment
OMR 10'Obligation to Donate Due to Late Payment: 10' — a flat OMR 10 charity donation obligation
Foreign currency spend
2.5% on top of the exchange rate
Replacement card
OMR 10.50
Takaful cover
Credit Shield (Takaful) on the total outstanding balance is included and the charge is Waived.

What you get back

Other benefits

  • VIP airport lounge access at 1,000+ airports, unlimited visits per calendar year, with a maximum of one additional guest
  • Physical and digital card available
  • Instant approval and issuance
  • No issuance fee
  • First 3 months with no monthly fee (new customers)
  • Credit Shield (Takaful) on the outstanding balance, charge waived
  • Easy cash access through ATM
  • Customisable PIN
  • Tokenisation-enabled secure digital payments

Before you apply

  • OMR 78.75 a month is the second-highest recurring card fee in Oman after Sohar Islamic's Infinite; the annual-fee waiver for Tharwa customers does not touch it.
  • Lounge access requires a cumulative international transaction value of USD 100 in the 90 days before the visit.
  • No minimum salary, age band or Shariah contract name is published.
  • No full-settlement waiver of the monthly fee is published — only the 3-month new-customer waiver.

Can you get it?

Other conditions
Alizz does not publish a minimum salary, minimum age or maximum age. Credit limit runs from a minimum of OMR 100 to a maximum of OMR 10,000, 'based on customer's salary income and eligibility'. The card is branded to the bank's Tharwa priority-banking proposition. A salary transfer letter addressed to Alizz Islamic Bank is required. Fees stated as effective 2 February 2026.

What to have ready

  • Signed application form
  • ID Card / Resident ID Card
  • Passport with valid visa page for expatriates
  • Salary certificate / salary slip
  • Salary transfer letter addressed to Alizz Islamic Bank

Where these figures come from

Last checked against Alizz Islamic 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.

  • “"Card Type | Infinite | Monthly Fee | 78.75 | Annual Fee | * 105 *Waived For Tharwa Customers | Annual Supplementary Fee | 31.50 Waived First 3 Cards For Tharwa Customers" — alizzislamic.om, Infinite Credit Card, Fees and Charges”
  • “"Limits | Infinite | Min | 100 | Max | 10,000" — alizzislamic.om, Infinite Credit Card Limits”
  • “"VIP Airport Lounge Access at 1,000+ Airports" — alizzislamic.om, Infinite Key Features”
  • “"Cumulative international transaction value of USD 100 within 90 days prior to lounge access / Maximum of one (1) additional guest / Unlimited lounge access per calendar year" — alizzislamic.om, Infinite Lounge Access Eligibility”
  • “"Obligation to Donate Due to Late Payment | 10" — alizzislamic.om, Infinite Other Fees & Charges”
  • “"Credit Shield (Takaful)- of the total outstanding balance | Waived" — alizzislamic.om, Infinite Other Fees & Charges”
  • “"Alizz Islamic Bank is proud to present you with a world of exclusive privileges, rewards and experiences with the Alizz Islamic Bank Tharwa Infinite Visa Credit Card." — alizzislamic.om, Infinite Credit Card”

What we could not verify

Alizz Islamic Bank does not publish shariah contract, minimum income, minimum age, maximum age, over limit, shariah certificate, terms and conditions, reward headline, apr for this card, so we have left those blank rather than guess. If you need one of them, ask the bank directly and hold them to the answer in writing.

Compare with other Omani Islamic cards

ahli islamic

Al Shumookh Infinite Credit Card

Up to 1% cashback on card spend, plus Pearl Points on every spend

Annual fee
OMR 100
Profit rate
0% /mo
Minimum income
Not published
Structure
Ujrah
Mixed rewards

Full breakdown

Sohar Islamic

Infinite Credit Card

Complimentary 5,000 reward points on joining, plus a loyalty programme on purchases

Annual fee
No annual fee
Profit rate
0% /mo
Minimum income
OMR 3,000 a month
Structure
Ujrah
Reward points

Full breakdown