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Islamic Credit Cards
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Bank Nizwa · Fully Islamic bank

World Credit Card

Frequent travellers in Oman who clear the balance in full every month: the annual fee is zero, the lounge and Takaful travel package is the widest Bank Nizwa offers, and the OMR 75 monthly fee never triggers.

Qard HasanNo annual feeMastercardWorld
Annual fee
No annual fee
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. The World card carries no annual fee at all.

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
No annual feeStated as 'Free' in the Credit Card Services & Fees schedule and the KFS; 'Annual Subscription Fee: Free' on the product pagesource
Supplementary card
OMR 20Annual 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 10
Takaful cover
Complimentary Shariah-compliant Takaful travel cover, travel medical insurance, travel inconvenience cover and a travel insurance confirmation letter (for visa purposes) are all included at this tier. Cover limits and underwriter are not published on the product page.

What you get back

Other benefits

  • Free access to Lounge Key — over 1,000 airport lounges worldwide
  • Free access to MasterCard Premium Lounges via MasterCard Travel Pass
  • Complimentary Shariah-compliant Takaful travel cover
  • Travel medical insurance
  • Travel inconvenience cover (delays, baggage loss, trip cancellation)
  • Travel insurance confirmation letter for visa or travel purposes
  • MasterCard Priceless Arabia offers and premium experiences
  • No annual fee
  • Worldwide acceptance; MasterCard Global Service; 24-hour call centre
  • 3D Secure / MasterCard SecureCode OTP on online transactions

Before you apply

  • OMR 75 per month is the highest revolving charge in the Bank Nizwa range and applies in full the moment the balance is not settled on the due date — a 'free' annual fee is only free if you never revolve.
  • Card replacement costs OMR 10 here versus OMR 5 on every other tier.
  • Supplementary card fee is OMR 20 per year, four times the Standard/Gold rate.

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 20,000 (2x salary as stated on the page); 'Minimum Credit Limit N/A'; or against collateral with a 110% lien. The published minimum salary is identical across all five tiers; the binding constraint on a World card is the credit limit / DBR calculation, not a separate income floor. The credit-cards FAQ adds that self-employed and high-net-worth applicants need proven income of OMR 5,000+ and Risk/Management approval.

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) ... WORLD: Free" — Bank Nizwa Credit Card Services & Fees (Customer)”
  • “"Monthly Fees ... WORLD: OMR 75 per month" — Bank Nizwa Credit Card Services & Fees (Customer)”
  • “"Annual Subscription Fee: Free" / "Monthly Subscription Fee: OMR 75" — banknizwa.om /world-credit, Membership Fees accordion”
  • “"Against Salary Minimum OMR 300 - OMR 600 for Expat" / "Maximum Credit Limit OMR 20,000 (2x Salary)" — banknizwa.om /world-credit, Eligibility accordion”
  • “"Card replacement Fee: OMR 5, and OMR 10 for World Credit Card" — Bank Nizwa KFS - Credit Card, 2025, p.2”
  • “"Complimentary entry to 1,000+ airport lounges worldwide" — banknizwa.om /world-credit, Benefits”
  • “"Free Access to Lounge Key over 1,000 Airport Lounges" (World and Platinum columns) — Bank Nizwa Credit Card Services & Fees (Customer)”

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 World Credit Card

1.5% value back on international purchases, 1% on purchases in Oman

Annual fee
OMR 50
Profit rate
0% /mo
Minimum income
OMR 3,000 a month
Structure
Qard Hasan + Ujrah
Cashback

Full breakdown