Mastercard Gold Credit Card

What makes this card Islamic

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

Dhofar Islamic names the structure explicitly and is the clearest disclosure of any Omani issuer: the credit itself is Qard Hassan and the bank's income is an Ujrah charged as a fixed monthly fee for services. Bank's wording: 'Dhofar Islamic Mastercard Gold Credit Card is based on the concept of Qard Hassan, utilizing the principle of Ujrah for providing certain services with a fixed monthly fee.'

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

What it costs

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

Annual fee

OMR 20OMR 21.000 including 5% VAT per the June 2026 tariff listsource

Supplementary card

OMR 10OMR 10 issuance fee and OMR 10 annual fee (OMR 10.500 incl VAT). Supplementary card monthly fee: Nil.source

Profit rate

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

Cash withdrawal

Fixed fee, irrelevant of the cash withdrawal amount (OMR 3.150 incl VAT). Cash advance available up to 100% of the credit limit.

Late payment

1% over the overdue amount, donated to charity. The June 2026 tariff line reads 'Late Payment Fee - Donate to Charity'; the KFS row is headed 'Charity Payments (late payment charges)'.1% over the overdue amount, donated to charity. The June 2026 tariff line reads 'Late Payment Fee - Donate to Charity'; the KFS row is headed 'Charity Payments (late payment charges)'.

Over limit

OMR 5

Foreign currency spend

1.5% on top of the exchange rate

Replacement card

OMR 15

What you get back

• 0.50% reward value back on local (Oman) purchases
• 0.75% reward value back on international purchases
• Points collected through the Dhofar Islamic Loyalty Reward Program, covering over 900 airlines and 700,000 hospitality and retail outlets, redeemable in the Dhofar Islamic mobile app

Other benefits

• Up to 9 airport lounge visits per calendar year via the Mastercard Travel Pass app (6 regional visits across 22 participating lounges, plus 3 within Oman)
• Eligible Oman lounges: Primeclass at Muscat International, Primeclass at Duqm, Al Khareef Lounge at Salalah International
• Grace period (free monthly fee period) of up to 52 days
• Cash advance up to 100% of the credit limit at ATMs worldwide
• Purchase Protection: purchases protected against theft or accident for 180 days
• 10% discount on international roundtrip airfare from Cleartrip (code MCPLATINUM)
• 15% discount at IHG Hotels & Resorts across Europe, Maldives, India, Middle East and Africa
• Up to 20% off one Talabat order per month with code MASTERCARD
• Mastercard Priceless Cities experiences in 40+ cities
• Supplementary cards for family members; online OTP authentication

Before you apply

• The monthly fee of OMR 10 applies whenever the balance is not settled within the grace period.
• Government transactions under MCC 9399 earn no rewards.
• 5 of the 6 regional lounge visits require a minimum USD 1 transaction completed at least 15 days before travel; the 3 Oman visits require a non-OMR transaction of USD 1 or equivalent to unlock.
• Card replacement is OMR 15 — the highest replacement fee among Oman's Islamic issuers.

Can you get it?

Minimum income

OMR 250 a monthsource

Age

18 to 60

Other conditions

Omani nationals or residents, minimum age 18. Minimum salary OMR 250; minimum card limit OMR 250. The credit-cards FAQ adds an age band of 18-60 and a general minimum monthly salary of OMR 250 (Omani) or OMR 500 (expatriate). The applicant's employer must be on the bank's Approved List, or the applicant can place a fixed deposit of 120% of the card limit. Statement date is the 3rd of every month; the FAQ's worked example gives a 50-day grace period on a purchase made on the 5th.

What to have ready

• Application form
• Salary certificate
• Bank statement
• Copy of valid Resident ID and passport or visa (expatriates)
• End-of-service benefit statement (expatriates)

Where these figures come from

Last checked against Dhofar Islamic’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.

• “"Dhofar Islamic Mastercard Gold Credit Card is based on the concept of Qard Hassan, utilizing the principle of Ujrah for providing certain services with a fixed monthly fee." — dhofarislamic.com, Mastercard Gold Credit Card”
• “"Get rewarded 0.75% value back on every purchase made internationally and 0.5% on purchases made in Oman*" — dhofarislamic.com, Mastercard Gold Credit Card”
• “"Maximum Monthly Fee: OMR 10 / Annual Fee: OMR 20" (Dhofar Islamic Gold column) — Dhofar Islamic Key Facts Statement, Credit Card - Individuals, p.3”
• “"Fee for non-OMR transactions (Foreign Exchange markup %): 1.5% over Visa/MasterCard rate" — Dhofar Islamic KFS, Credit Card - Individuals”
• “"Charity Payments (late payment charges): 1% over the overdue amount (to be donated to charity)" — Dhofar Islamic KFS”
• “"Over limit charge: OMR 5 (to be donated to charity)" — Dhofar Islamic KFS”
• “"Cash Advance Fee (Fixed Fee; irrelevant of cash withdrawal amount): OMR 3" — Dhofar Islamic KFS”
• “"Enjoy grace period (free monthly fee period) Up to 52** Days" — dhofarislamic.com, Mastercard Gold Credit Card”
• “"Minimum salary of OMR 250" and "Minimum card limit of OMR 250" — dhofarislamic.com, Mastercard Gold Eligibility Criteria”
• “"The applicant's employer must be in the bank's Approved List, or the applicant can place a fixed deposit of 120% of card limit." — dhofarislamic.com, Credit Cards FAQ”
• “"Cash Advance up to 100% of credit limit at millions of ATMs worldwide" — dhofarislamic.com, Mastercard Gold Credit Card”

• Product page
• Schedule of charges
• Terms and conditions