Signature Credit Card

What makes this card Islamic

Sohar Islamic builds this card on a Ujrah contract. The bank charges you a fixed fee for the service of giving you a card, rather than a charge that grows with the money you owe.

Fixed monthly Ujrah (the T&C's 'Monthly Subscription Fee') in place of a profit rate. The T&C do not name the underlying credit contract.

Approved by Shari'a Supervisory Board of the Bank, under the supervision of Central Bank of Oman (CBO).

What it costs

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

Annual fee

No annual feePrimary card annual fee: Free. First supplementary card: Free. Second supplementary card: RO 25.source

Supplementary card

OMR 25First supplementary card is free; RO 25 applies from the second supplementary cardsource

Profit rate

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

Cash withdrawal

RO 3 per ATM transaction; cash advance limit 90% of card credit limit

Late payment

1% on the overdue amount, transferred to charity per the bank's FAQ1% on the overdue amount, transferred to charity per the bank's FAQ

Over limit

OMR 5

Foreign currency spend

2.5% on top of the exchange rate

Replacement card

OMR 10

What you get back

Other benefits

• Unlimited Priority Pass access to airport lounges
• Cash advance up to 90% of the credit limit
• Free primary card and free first supplementary card

Before you apply

• RO 75 per month is charged whenever the balance is not cleared within the grace period — the highest of the three mainstream Sohar Islamic tiers.
• Maximum credit limit is OMR 6,000 despite the OMR 1,300 minimum salary.
• The bank publishes no documents-required list or detailed benefit text for this card.

Can you get it?

Minimum income

OMR 1,300 a monthsource

Age

18 to 60

Other conditions

Omani national or resident of Oman aged 18-60. Minimum salary OMR 1,300. Credit limit range OMR 4,000 to OMR 6,000. Either salary transfer to Sohar Islamic, or issue against a deposit with a 120% hold on the card limit. Minimum monthly repayment 5% or RO 10, whichever is higher.

Where these figures come from

Last checked against Sohar 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.

• “"75 OMR Monthly Ujrah fee / Free Annual fee / 1,300 OMR Minimum salary" — soharislamic.om, Signature Credit Card hero panel”
• “"Monthly Ujrah fee RO 75/-" — soharislamic.om, Signature Fees and charges”
• “"Priority Pass Access to Airport Lounges: Unlimited Access" — soharislamic.om, Signature Fees and charges”
• “"Signature : Minimum Limit: 4,000 OMR - Maximum Limit 6,000 OMR" — soharislamic.om, Credit Card FAQ 5”
• “"Signature : Ujrah Fee ( Monthly) 75 OMR" — soharislamic.om, Credit Card FAQ 3”
• “"Annual Fees: Primary Card Free; First Supplementary Card Free; Second Supplementary Card RO 25/-" — soharislamic.om, Signature”

• Product page
• Schedule of charges