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Islamic Credit Cards
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Bank Nizwa · Fully Islamic bank

Titanium Credit Card

Omani travellers who want lounge access and Takaful travel cover without an annual fee premium — Titanium's annual fee (OMR 35) matches Standard's while adding travel benefits.

Qard HasanMastercardother
Annual fee
OMR 35
Profit rate
0%

a month on the outstanding balance

Minimum income
OMR 300 a month
Rewards
None

Read it from the source

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.

How Qard Hasan worksIs a credit card halal?

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 35Fee will be charged in the first monthsource
Supplementary card
OMR 10Annual 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
Takaful cover
Complimentary Shariah-compliant Takaful travel cover is included at this tier (bank's wording: 'Travel with peace of mind through complimentary Sharia-compliant travel insurance coverage'). Cover limits and underwriter are not published on the product page.

What you get back

Other benefits

  • Free access to MasterCard Premium Lounges (MasterCard Travel Pass app)
  • Complimentary Shariah-compliant Takaful travel cover
  • MasterCard Priceless Arabia offers
  • Worldwide acceptance at millions of merchants and ATMs
  • MasterCard Global Service emergency assistance
  • 24-hour call centre
  • Instant SMS transaction alerts
  • Supplementary cards for family
  • 3D Secure / MasterCard SecureCode OTP on online transactions

Before you apply

  • The monthly fee is OMR 25 whenever the full balance is not settled on the due date — over four times Standard's.
  • Lounge access is via MasterCard Travel Pass; the number of free visits per year is not published on the product page.
  • The bank does not publish the Takaful travel cover's sum insured, exclusions or underwriter.

Can you get it?

Minimum income
OMR 300 a monthsource
Age
18 to 60
Other conditions
Card page: 'Against Salary Minimum OMR 300 - OMR 600 for Expat'; maximum credit limit OMR 6,000 (2x salary as stated on the page; the credit-cards FAQ states up to 5x net salary for non-pensioners); 'Minimum Credit Limit N/A'; or against 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
  • 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) ... TITANIUM: OMR 35" — Bank Nizwa Credit Card Services & Fees (Customer)”
  • “"Monthly Fees ... TITANIUM: OMR 25 per month" — Bank Nizwa Credit Card Services & Fees (Customer)”
  • “"Annual Subscription Fee OMR 35" / "Monthly Subscription Fee OMR 25" — banknizwa.om /titanium-credit, Membership Fees accordion”
  • “"Against Salary Minimum OMR 300 - OMR 600 for Expat" / "Maximum Credit Limit OMR 6,000 (2x Salary)" / "Against Collateral 110% Lien" — banknizwa.om /titanium-credit, Eligibility accordion”
  • “"Travel with peace of mind through complimentary Sharia-compliant travel insurance coverage." — banknizwa.om /titanium-credit, Takaful Travel Cover”
  • “"Complimentary lounge access at airports worldwide through the MasterCard Travel Pass app." — banknizwa.om /titanium-credit”

What we could not verify

Bank Nizwa does not publish over limit, shariah certificate, reward headline, reward caps, 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

Dhofar Islamic

Mastercard Titanium Credit Card

1% value back on international purchases, 0.75% on purchases in Oman

Annual fee
OMR 30
Profit rate
0% /mo
Minimum income
OMR 700 a month
Structure
Qard Hasan + Ujrah
Cashback

Full breakdown

Meethaq Islamic Banking

Meethaq Lulu Credit Card

2% reward points on Lulu Hypermarket spend in Oman, 0.5% on other local merchants

Annual fee
OMR 10
Profit rate
0% /mo
Minimum income
OMR 250 a month
Structure
Qard Hasan + Ujrah
Reward points

Full breakdown