Meethaq VISA Gold 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.

Meethaq states the structure explicitly on the product page: the credit LIMIT is extended as Qardh al Hasan (interest-free loan), and the bank's income is a fixed Ujrah (service fee) charged monthly only when the full outstanding balance is not settled by the due date. No profit-based fee is charged on the balance.

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. Annual/joining fee and the first Ujrah fee are reflected in the card account after the card is issued.source

Supplementary card

OMR 5OMR 5.250 including VAT. Monthly Ujrah on the supplementary card is 0.000.source

Profit rate

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

Cash withdrawal

OMR 2.5 per transaction (OMR 2.625 incl VAT). Cash advance limit 50% of the credit limit; maximum OMR 100 per transaction.

Late payment

1% per annum on the overdue amount. Tariff Booklet labels this line 'Late Payment (Obligation to donate)'. All amounts paid are used for charitable purposes as approved by the Meethaq Shariah Supervisory Board and are not accounted as bank income.1% per annum on the overdue amount. Tariff Booklet labels this line 'Late Payment (Obligation to donate)'. All amounts paid are used for charitable purposes as approved by the Meethaq Shariah Supervisory Board and are not accounted as bank income.

Foreign currency spend

2.5% on top of the exchange rate

Replacement card

OMR 10

What you get back

Other benefits

• Up to 52-day profit-free credit period
• Easy Payment Plan (EPP): pay for purchases over 12 months at participating merchants with no extras
• Worldwide acceptance
• Secure internet shopping with personal password / secure code and One-Time-Password (OTP)
• Supplementary cards for family members over 18 (no monthly Ujrah on supplementary cards)
• SMS alerts and monthly statements

Before you apply

• The Ujrah waiver is discretionary — Meethaq's own wording is 'May be granted upon consistent settlement' and 'at the full discretion of the bank and is on a non-negotiable basis'. It is not a contractual right, unlike Bank Nizwa's monthly fee which is stated as simply not applicable when the balance is settled.
• Fee waiver in the first month is explicitly NOT applicable.
• Cash advances are capped at 50% of the credit limit and OMR 100 per transaction, plus OMR 2.5 per transaction.
• Charge-slip/voucher copy fee is stated as OMR 2 on the card page but OMR 3 in the 2026 Tariff Booklet.

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 in government and approved private sector companies, minimum service period 3 months and minimum salary OMR 500. Omanis and residents holding a fixed deposit with Meethaq also qualify. Supplementary cards are for family members over 18. Meethaq's legacy card page (meethaq.om/en/cards/pages/details.aspx, describing this product under its former MasterCard Standard branding at the same OMR 10 / OMR 7 pricing) adds that applicants earning OMR 200-500 get a limit equal to salary and those above OMR 500 get 2x salary — treat as legacy and unconfirmed against 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.

• “"The Shariah-compliant Credit Card is based on the concept of Ujrah with no profit-based fees." — meethaq.om, Meethaq VISA Gold Credit Card”
• “"Based on a fixed Ujrah Fee levied by Meethaq in exchange of the total services, features, benefits and privileges enjoyed by the cardholders. The credit limit granted by the bank to the cardholder is based on Qardh al Hasan." — meethaq.om, Gold card Features & Benefits”
• “"Annual Fee: OMR 10 / Ujrah Fee*: OMR 7 ( Fee waiver on first month not applicable)" — meethaq.om, Gold card Fees & Charges”
• “"9.2 Monthly Ujrah — VISA Gold (Primary) 7.000" — Meethaq TARIFF BOOK (Fees & Other Charges), Version 1.10/2026, p.10”
• “"9.6 Late Payment (Obligation to donate) — 1% p.a on the overdue amount" — Meethaq Tariff Booklet v1.10/2026, p.11”
• “"All amounts paid for Penalty / Late Payment fee will be used for charitable purposes as approved by Meethaq Shariah Supervisory Board and shall not be accounted as bank's income." — meethaq.om, Gold card Fees & Charges”
• “"9.9 Foreign Exchange Markup Fees — 2.5%" — Meethaq Tariff Booklet v1.10/2026, p.11”
• “"Omani employees in government and approved private sector companies with a minimum service period of 3 months and a minimum salary of OMR 250" — meethaq.om, Gold card Eligibility”
• “"The grace period (Up to 52 days): The period that the bank gives the customer to re-pay the outstanding balance on the Credit Card without charging any fees." — meethaq.om, Key terms & conditions”

• Product page
• Schedule of charges