Visa Gold 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.

Sohar Islamic's card Terms and Conditions define the charge as an Ujrah: "'Monthly Subscription Fee' or 'Ujrah Fee' means a fixed amount, as determined and notified by the Bank from time to time, charged to the Cardholder every month for using the Card services as per the Cardholder's respective card type." No profit rate is applied to the balance. The T&C do not name the underlying credit contract (Qard Hasan or otherwise).

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 10.source

Supplementary card

OMR 10First supplementary card is free; RO 10 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. Bank FAQ: 'the late payment fees shall not exceed 1% of the overdue amount, and the amount of charged it should be to transfer to charity.'1% on the overdue amount. Bank FAQ: 'the late payment fees shall not exceed 1% of the overdue amount, and the amount of charged it should be to transfer to charity.'

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

• High spending line with a revolving line of credit
• Emergency card replacement
• Cash disbursement services
• Cash advance up to 90% of the credit limit

Before you apply

• Priority Pass airport lounge access is explicitly 'N/A' on this tier.
• The monthly Ujrah of RO 20 is high relative to the OMR 800-2,000 limit band; a cardholder revolving OMR 800 pays RO 240 a year in Ujrah alone.
• The bank does not publish a documents-required list on the card page.

Can you get it?

Minimum income

OMR 400 a monthsource

Age

18 to 60

Other conditions

Omani national or resident of Oman aged 18-60. Minimum salary OMR 400. Credit limit range OMR 800 (minimum) to OMR 2,000 (maximum). Two application routes: transfer salary to Sohar Islamic, or issue against a deposit with a hold of 120% of the card limit. Minimum monthly repayment 5% or RO 10, whichever is higher. Applications must be made in branch — the FAQ states a card cannot be requested through the mobile app.

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.

• “"20 OMR Monthly Ujrah fee / Free Annual fee / 400 OMR Minimum salary" — soharislamic.om, Visa Gold Credit Card hero panel”
• “"Monthly Ujrah fee RO 20/-" and "Annual Fees: Primary Card Free; First Supplementary Card Free; Second Supplementary Card RO 10/-" — soharislamic.om, Visa Gold Fees and commission”
• “"'Monthly Subscription Fee' or 'Ujrah Fee' means a fixed amount, as determined and notified by the Bank from time to time, charged to the Cardholder every month for using the Card services as per the Cardholder's respective card type." — Sohar Islamic Credit Card Terms & Conditions, Definitions”
• “"You may apply for a Sohar Islamic Credit Card if you are an Omani national or a resident of Oman aged between 18 and 60 years" — soharislamic.om, Credit Card FAQ 2”
• “"Gold : Minimum Limit: 800 OMR - Maximum Limit 2,000 OMR" — soharislamic.om, Credit Card FAQ 5”
• “"the late payment fees shall not exceed 1% of the overdue amount, and the amount of charged it should be to transfer to charity." — soharislamic.om, Credit Card FAQ 10”
• “"When the customer pays the amount within grace period." — soharislamic.om, FAQ 'When to be waived the Ujrah fees?'”
• “"Priority Pass Access to Airport Lounges: N/A" — soharislamic.om, Visa Gold Fees and charges”
• “"Foreign Transactions Fees (apply for all transactions made in currencies other than OMR): 2.5% of transaction amount" — soharislamic.om, Visa Gold”
• “"Against deposit : Hold 120% of Card Limit" — soharislamic.om, Credit Card FAQ 6”

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