Meethaq Lulu 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.

Same Meethaq structure as the rest of the range: credit limit extended as Qardh al Hasan with a fixed monthly Ujrah in place of a profit rate. The Lulu card page repeats the range-wide Key terms & conditions ('Ujrah Fees: If you pay less than your full outstanding balance on the payment due date, a fixed Ujrah fees is applied') but does not restate the Qardh al Hasan wording on its own card panel.

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 10OMR 10.500 including 5% VAT per the Tariff Booklet ('MasterCard Lulu (Primary)')source

Supplementary card

OMR 5OMR 5.250 incl VAT; monthly Ujrah on supplementary cards is 0.000source

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

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

• Earn 2% of your purchases as a reward at Lulu Hypermarket, plus exclusive offers from Lulu
• Earn 0.5% of your purchases as a reward when using your card at other local merchants

Other benefits

• Mastercard Flight Delay Benefit: free lounge access when a registered flight is delayed by 1 hour or more, via the Mastercard Travel Pass app
• Access to business facilities (email, internet, phones, fax, conference space) in some lounges
• 800+ complimentary dining and lifestyle offers across the Middle East and Africa, with unlimited redemptions
• Up to 52 days free credit period
• E-PIN and OTP-secured internet shopping
• 24-hour ATM cash advance facility
• Supplementary cards for family members over 18

Before you apply

• The monthly Ujrah of OMR 15 is the second-highest in the Meethaq range and higher than the Platinum card's OMR 14, so revolving on this card is expensive relative to its OMR 10 annual fee.
• Reward redemption terms, expiry and any earn cap are not published on the card page.
• Lounge access is conditional on a flight delay of 1 hour or more — it is not unconditional lounge entry.
• The card page describes the holder as 'a Titanium Mastercard cardholder' in the lounge section; the Tariff Booklet lists it simply as 'MasterCard Lulu'.

Can you get it?

Minimum income

OMR 250 a monthsource

Other conditions

Omani employees in government and approved private sector companies, minimum service period 3 months and minimum salary OMR 250. Resident employees, minimum service period 3 months and minimum salary OMR 500. Omanis and residents with a fixed deposit in Meethaq also qualify.

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.

• “"Earn 2% of your purchases as a reward at Lulu Hypermarket, plus exclusive offers from Lulu." — meethaq.om, Meethaq Lulu Credit Card”
• “"Earn 0.5% of your purchases as a reward when using your card at other local merchants." — meethaq.om, Meethaq Lulu Credit Card”
• “"Annual Fee: OMR 10 / Ujrah Fee*: OMR 15 ( Fee waiver on first month not applicable)" — meethaq.om, Lulu Fees & Charges”
• “"9.1 Annual Fee — MasterCard Lulu (Primary) 10.000 ... 10.500" and "9.2 Monthly Ujrah — MasterCard Lulu (Primary) 15.000" — Meethaq Tariff Booklet v1.10/2026, p.10”
• “"Free lounge access when your registered flight is delayed by 1 hour or more with the Mastercard Flight Delay Benefit through the Mastercard Travel Pass App" — meethaq.om, Lulu Airport lounge access”
• “"Up to 52 days free credit period." — meethaq.om, Meethaq Lulu Credit Card”

• Product page
• Schedule of charges