Meethaq VISA Platinum 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 own wording: 'a Shariah-compliant Credit Card based on the 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 50OMR 52.500 including 5% VAT per the Tariff Bookletsource

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; 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

Other benefits

• Complimentary access to 1,200+ premium airport lounges worldwide via the Visa Airport Companion App
• Up to 52-day profit-free credit period
• Easy Installment Plans: purchases spread over 12 months at participating merchants with no extras
• Exclusive discounts across retail and dining merchants
• Worldwide acceptance at more than 30 million locations
• 24-hour customer service including card blocking
• Zero liability on charges after a reported loss (with written confirmation)
• One-Time-Password (OTP) on online transactions; SMS alerts

Before you apply

• Lounge access requires at least one international transaction of USD 100 per year; guests are charged US$32 per visit, debited to the card.
• The OMR 14 monthly Ujrah applies unless the full balance is settled, and the waiver is at the bank's full discretion and stated as non-negotiable.
• The annual fee is five times the Gold card's while the published minimum salary is identical — the differentiator is benefits, not eligibility.

Can you get it?

Minimum income

OMR 250 a monthsource

Other conditions

Same published eligibility as the Gold card: Omani employees minimum salary OMR 250, resident employees minimum salary OMR 500, both with 3 months minimum service; or a fixed deposit with Meethaq. Meethaq's legacy card page (details.aspx, same OMR 50 / OMR 14 pricing under the former MasterCard Titanium branding) states a minimum salary of OMR 500 for a 2x-salary limit and a limit range of OMR 1,000-2,499 — legacy figures, 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 Credit Card based on the concept of Ujrah and credit limit based on Qardh al Hasan, your card bears no profit-based fee." — meethaq.om, VISA Platinum Credit Card”
• “"Annual Fee: OMR 50 / Ujrah Fee*: OMR 14 ( Fee waiver on first month not applicable)" — meethaq.om, Platinum Fees & Charges”
• “"9.1 Annual Fee — VISA Platinum (Primary) 50.000 ... 52.500" — Meethaq Tariff Booklet v1.10/2026, p.10”
• “"9.2 Monthly Ujrah — VISA Platinum (Primary) 14.000" — Meethaq Tariff Booklet v1.10/2026, p.10”
• “"Complimentary* Lounge Access to 1,200 + Premium Lounges around the world" — meethaq.om, Platinum Travel & Lounge Access”
• “"The access to the lounges is free, however, you need to do at least 1 international transaction of USD 100/year to avail the lounge visits." — meethaq.om, Platinum Travel & Lounge Access”
• “"A charge of US$32 per guest per visit will be debited directly to your credit card." — meethaq.om, Platinum Travel & Lounge Access”
• “"* Waiver of Ujrah fee is at the full discretion of the bank and is on a nonnegotiable basis." — meethaq.om, Platinum Features & Benefits”

• Product page
• Schedule of charges