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Islamic Credit Cards

Oman · 3 cards

Dhofar Islamic credit cards

Every Shariah-compliant card Dhofar Islamic currently offers, with the contract behind each one and the fee schedule it came from.

Islamic windowQard Hasan + Ujrah

Who Dhofar Islamic are

An Islamic window: a Shariah-compliant division inside a conventional bank.

This is the entity the brief calls 'Maisarah Islamic Banking'. The old domain maisarahoman.com still resolves but now serves Dhofar Islamic content and carries the canonical link <link rel="canonical" href="https://www.dhofarislamic.com/">; the Maisarah-era card paths 404 on that host and resolve on dhofarislamic.com. The bank's Arabic KFS confirms it is a licensed Islamic window operating under CBO regulations. Dhofar Islamic gives the CLEAREST Shariah disclosure of any Omani issuer, naming both legs on the product page: 'based on the concept of Qard Hassan, utilizing the principle of Ujrah for providing certain services with a fixed monthly fee'. It is also the only Omani Islamic issuer with a published tiered earn table (0.5%/0.75% Gold, 0.75%/1.0% Titanium, 1.0%/1.5% World, local/international) and the only one with a foreign-exchange markup of 1.5% rather than 2.5%. Both the late payment fee (1% of overdue) and the over-limit fee (OMR 5) are donated to charity.

Legal name
Dhofar Islamic (Islamic window of BankDhofar SAOG)
Parent group
BankDhofar SAOG
Head office
Oman
Regulator
Central Bank of Oman (CBO)
Shariah board
Shari'a Supervisory Board
dhofarislamic.com

All 3 Dhofar Islamic Islamic credit cards

Mastercard Gold Credit Card

0.75% value back on international purchases, 0.5% on purchases in Oman

Annual fee
OMR 20
Profit rate
0% /mo
Minimum income
OMR 250 a month
Structure
Qard Hasan + Ujrah
Cashback

Full breakdown

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

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

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