Gold Credit Card

What makes this card Islamic

Bank Nizwa builds this card on a Qard Hasan contract. The bank lends you the money and you pay back exactly what you borrowed, not a penny more.

Bank Nizwa's Key Fact Statement names the Shariah basis of ALL its credit cards as Qard Hassan (an interest-free loan). No profit rate; income is a fixed monthly membership fee waived when the full outstanding balance is settled on the due date, plus a fixed annual fee.

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

What it costs

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

Annual fee

OMR 30Fee will be charged in the first month. Note this is LOWER than the Standard card's OMR 35 — confirmed identically in the 2025 KFS, the 2025 fee schedule and the 2026 fee schedule.source

Supplementary card

OMR 5Annual supplementary card issuance feesource

Profit rate

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

Cash withdrawal

Flat OMR 3 cash withdrawal fee; cash withdrawal limit 80% of credit limit

Late payment

1% of the unpaid Minimum Amount Due, donated to charity per the Shari'a Supervisory Board's guidelines — not booked as bank income1% of the unpaid Minimum Amount Due, donated to charity per the Shari'a Supervisory Board's guidelines — not booked as bank income

Foreign currency spend

2.5% on top of the exchange rate

Replacement card

OMR 5

What you get back

Other benefits

• Worldwide acceptance at millions of merchants and ATMs
• Special discounts and offers
• MasterCard Global Service emergency assistance
• 24-hour call centre
• Instant SMS transaction alerts
• Supplementary cards for family
• Cash withdrawal from ATMs (up to 80% of limit)
• 3D Secure / MasterCard SecureCode OTP on online transactions

Before you apply

• The monthly fee jumps to OMR 14 (from OMR 6 on Standard) the moment the full balance is not settled on the due date.
• Credit limit is stated as OMR 3,000 on the product page but OMR 3,500 in the 2025 KFS and the credit-cards FAQ — unreconciled by the bank.
• No lounge access, no Takaful travel cover and no Priceless Arabia at this tier per the Credit Card Services & Fees matrix.

Can you get it?

Minimum income

OMR 300 a monthsource

Age

18 to 60

Other conditions

Card page: 'Against Salary Minimum OMR 300 - OMR 500 for Expat'; maximum credit limit OMR 3,000 per the product page, but OMR 3,500 per the 2025 KFS and per the product-range FAQ. Also issuable against cash collateral with a 110% lien. Ages: Omanis (salaried) 18-60; expatriates and GCC nationals 25-60; pensioners up to 70.

What to have ready

• Credit Card Application (filled, stamped, signed and verified)
• Fees and Services form
• Valid Passport or ID card for Omani nationals
• Valid Resident Card and valid passport for resident expatriates
• Utility bill or other proof of residence
• Salary slip for three months if applicable
• Latest salary certificate issued and stamped by employer
• Employment contract for Oil & Gas and Construction sector (if applicable)
• Lien on Investment Account form for cards issued against collateral

Where these figures come from

Last checked against Bank Nizwa’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.

• “"Annual Fees (Fee will be charged in the first month) ... GOLD: OMR 30" — Bank Nizwa Credit Card Services & Fees (Customer)”
• “"Monthly Fees (Not applicable if full outstanding amount settled on due date) ... GOLD: OMR 14 per month" — Bank Nizwa Credit Card Services & Fees (Customer)”
• “"Against Salary Minimum OMR 300 - OMR 500 for Expat" / "Maximum Credit Limit OMR 3,000" — banknizwa.om /gold-credit, Eligibility Criteria accordion”
• “"Annual Subscription Fee OMR 30" / "Monthly Subscription Fee OMR 14" — banknizwa.om /gold-credit, Membership Fees accordion”
• “"Maximum Credit Limit ... RO 3,500" (Gold column) — Bank Nizwa KFS - Credit Card, 2025, p.1”
• “"Shariah basis: Qard Hassan" — Bank Nizwa KFS - Credit Card, 2025, p.1”

• Product page
• Schedule of charges
• Terms and conditions