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Islamic Credit Cards
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Dhofar Islamic · Islamic window

Mastercard Titanium Credit Card

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

Qard Hasan + UjrahMastercardother
Annual fee
OMR 30
Profit rate
0%

a month on the outstanding balance

Minimum income
OMR 700 a month
Rewards
Cashback

Read it from the source

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.

Bank's own wording: 'Dhofar Islamic Mastercard Titanium credit card is based on the concept of Qard Hassan, utilizing the principle of Ujrah for providing certain services with a fixed monthly 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 Dhofar Islamic’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee
OMR 30OMR 31.500 including 5% VAT per the June 2026 tariff listsource
Supplementary card
OMR 15OMR 15 issuance fee and OMR 15 annual fee (OMR 15.750 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 irrespective of amount; cash advance available up to 100% of credit limit
Late payment
1% over the overdue amount, donated to charity1% over the overdue amount, donated to charity
Over limit
OMR 5
Foreign currency spend
1.5% on top of the exchange rate
Replacement card
OMR 15

What you get back

  • 0.75% reward value back on local (Oman) purchases
  • 1.00% reward value back on international purchases
  • Points redeemable through the Dhofar Islamic Loyalty Reward Program in the mobile app

The cap is the part that matters

No cap published. Transactions at government entities under MCC 9399 are excluded.

Other benefits

  • Up to 9 airport lounge visits per calendar year via Mastercard Travel Pass (6 regional across 22 lounges, plus 3 within Oman)
  • Global emergency assistance
  • Grace period (free monthly fee period) of up to 52 days
  • Cash advance up to 100% of the credit limit
  • 10% discount on international roundtrip airfare from Cleartrip (code MCPLATINUM)
  • 15% discount at IHG Hotels & Resorts
  • Up to 30% off at 16,000+ premium hotel chains via the IOL Escapes platform
  • Mastercard Priceless Cities experiences in 40+ cities
  • Supplementary cards for family members; online OTP authentication

Before you apply

  • The OMR 30 monthly fee is triple the Gold card's while the earn-rate uplift is only 0.25 percentage points — the maths only favours Titanium for high spenders who never revolve.
  • Lounge access conditions are identical to Gold, including the USD 1 activation transactions and the 15-day lead time.
  • MCC 9399 government transactions earn no rewards.

Can you get it?

Minimum income
OMR 700 a monthsource
Age
18 to 60
Other conditions
Omani nationals or residents, minimum age 18 (FAQ band 18-60). Minimum salary OMR 700; minimum card limit OMR 700. Employer must be on the bank's Approved List, or place a fixed deposit of 120% of the card limit.

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 Titanium 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 Titanium Credit Card”
  • “"Get rewarded 1% value back on every purchase made internationally and 0.75% on purchases made in Oman*" — dhofarislamic.com, Mastercard Titanium Credit Card”
  • “"Maximum Monthly Fee: OMR 30 / Annual Fee: OMR 30" (Dhofar Islamic Titanium column) — Dhofar Islamic KFS, Credit Card - Individuals”
  • “"Mastercard Titanium Card Annual Fee — Principal card 30.000 / 1.500 / 31.500 ... Card Monthly Fee 30.000 / 1.500 / 31.500" — Dhofar Islamic Tariff List, June 2026”
  • “"Minimum salary of OMR 700" — dhofarislamic.com, Mastercard Titanium Eligibility Criteria”
  • “"Titanium 0.75% 1.00%" (Local / International earn table) — dhofarislamic.com, Rewards Program”
  • “"Up to 30% discounts at more than 16,000 premium hotel chains globally through IOL Escapes platform" — dhofarislamic.com, Mastercard Titanium”

What we could not verify

Dhofar Islamic does not publish takaful cover, shariah certificate, 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

Bank Nizwa

Titanium Credit Card

Annual fee
OMR 35
Profit rate
0% /mo
Minimum income
OMR 300 a month
Structure
Qard Hasan

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