Meethaq Hafawa Visa Signature Credit Card

What makes this card Islamic

Meethaq Islamic Banking 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.

Credit limit extended as Qardh al Hasan; the bank's income is a fixed monthly Ujrah rather than a profit rate. Meethaq's wording: 'With a Shariah-compliant concept of Ujrah and credit limit based on Qardh al Hasan, your card bears no profit-based fee.'

Approved by Meethaq Shariah Supervisory Board, under the supervision of Central Bank of Oman (CBO).

What it costs

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

Annual fee

OMR 100Waived entirely for existing Hafawa Private and Priority banking customerssource

Supplementary card

OMR 30OMR 31.500 incl VAT; no annual fee for existing Hafawa customers. Monthly Ujrah on supplementary cards is 0.000.source

Profit rate

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

Cash withdrawal

Per transaction; cash advance limit 50% of credit limit; maximum OMR 100 per transaction

Late payment

1% per annum on the overdue amount; 'Obligation to donate' — paid to charity as approved by the Meethaq Shariah Supervisory Board, not booked as bank income1% per annum on the overdue amount; 'Obligation to donate' — paid to charity as approved by the Meethaq Shariah Supervisory Board, not booked as bank income

Foreign currency spend

2.5% on top of the exchange rate

Replacement card

OMR 10

What you get back

• Premium dining programme covering over 75 premium restaurants, with discounts applied upfront and reward points equivalent to the discount
• Unlimited usage on the dining programme

Other benefits

• Complimentary access to 1,200+ premium airport lounges worldwide via the Visa Airport Companion App
• Complimentary chauffeur service to and from Muscat International Airport, three times a year
• Global concierge service, 24 hours a day, 365 days a year (retail, travel, entertainment and business requests)
• Visa Luxury Hotel Collection: 900+ hotels with guaranteed best available rate, room upgrade, free in-room internet or valet parking, continental breakfast, 3pm check-out and VIP guest status
• Visa purchase security / extended warranty — cover against accidental damage or loss for 90 days from purchase, including internet purchases
• Exclusive 2-for-1 dining and fitness offers via the Visa ENTERTAINER app
• Up to 52-day profit-free credit period
• Easy Installment Plans over 12 months at participating merchants

Before you apply

• Meethaq publishes two different lounge-access spend thresholds for this card on the same page: the Travel & Lounge Access panel says 'at least 1 international transaction of USD 1/year', while the Key terms & conditions section says 'a minimum international spend of USD 100 (or the equivalent in a currency other than OMR) within 90 days prior to accessing airport lounges'. Confirm with the bank before relying on either.
• OMR 35 monthly Ujrah is the highest in Meethaq's range, and the waiver is discretionary.
• Non-Hafawa applicants pay OMR 100 a year plus OMR 30 per supplementary card.
• Guest lounge visits are charged at US$32 each, debited to the card.

Can you get it?

Minimum income

OMR 1,000 a monthsource

Other conditions

For both Omanis and residents: minimum salary or savings of OMR 1,000 and a fixed deposit with Meethaq; minimum service period 3 months. Designed exclusively for Hafawa priority banking customers. Meethaq's legacy details.aspx page states a minimum salary of OMR 1,250 for a 2x-salary limit and a limit range of OMR 2,500-7,500 — legacy figures at the same OMR 100 / OMR 35 pricing, not confirmed on the current page.

What to have ready

• Application Form
• National ID for Omanis; Passport and Resident Card for residents
• Salary Certificate, or evidence of an existing Fixed Deposit with the Bank

Where these figures come from

Last checked against Meethaq Islamic Banking’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.

• “"With a Shariah-compliant concept of Ujrah and credit limit based on Qardh al Hasan, your card bears no profit-based fee." — meethaq.om, Hafawa Visa Signature”
• “"Minimum salary or savings of OMR 1000 and a minimum or a fixed deposit with Meethaq*" — meethaq.om, Hafawa Visa Signature Eligibility”
• “"Annual Fee: OMR 100 (No annual fee for existing Hafawa Customers) / Ujrah Fee*: OMR 35" — meethaq.om, Hafawa Signature Fees & Charges”
• “"Joining & Annual fee for VISA Signature card is not charged to Hafawa Private & Priority customers." — Meethaq Tariff Booklet v1.10/2026, p.11 note”
• “"9.1 Annual Fee — VISA Signature (Primary) 100.000 ... 105.000 / VISA Signature Supplementary 30.000 ... 31.500" — Meethaq Tariff Booklet v1.10/2026, p.10”
• “"Complimentary chauffeur service to and from Muscat International Airport, thrice a year." — meethaq.om, Hafawa Signature Travel & Lounge Access”
• “"The Largest Premium Dining Discount & Rewards Program with over 75 Premium Restaurants offering discounts every time you spend. Unlimited usage with discounts upfront and Reward Points equivalent to the discount." — meethaq.om, Hafawa Signature Rewards & Privileges”

• Product page
• Schedule of charges