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Islamic Credit Cards
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Oman · 12 cards

Islamic credit cards with the lowest minimum income in Oman

If your income is modest, start here. 19 of the 22 cards on sale in Oman publish a minimum income, and the 12 with the lowest figures are listed below, lowest first.

How this list is built

Which cards are included
The 12 cards with the lowest minimum monthly income the bank publishes, plus any card tied with the 12th. Cards that publish no minimum income are left out, because we will not guess one.
The order
Lowest minimum monthly income first, then lowest annual fee, then alphabetical by bank and card name.
What this is not
A filter, not a verdict. The order says nothing about which card suits you, and nothing about how sound a card is under Shariah.

3 cards are left out because the bank publishes no minimum income

Of the 22 cards on sale in Oman, 3 do not have a published minimum income, so they cannot be placed in this order. That does not mean they have a high one. Ask the bank. A further 7 cards publish a higher minimum income than the ones shown here.

The 12 cards at a glance

CardMinimum incomeAnnual feeProfit rateRewards
Meethaq Lulu Credit CardMeethaq Islamic BankingOMR 250 a monthOMR 100% a monthReward points
Meethaq VISA Gold Credit CardMeethaq Islamic BankingOMR 250 a monthOMR 100% a monthNone
Mastercard Gold Credit CardDhofar IslamicOMR 250 a monthOMR 200% a monthCashback
Meethaq VISA Platinum Credit CardMeethaq Islamic BankingOMR 250 a monthOMR 500% a monthNone
World Credit CardBank NizwaOMR 300 a monthNo annual fee0% a monthNone
Gold Credit CardBank NizwaOMR 300 a monthOMR 300% a monthNone
Standard Credit CardBank NizwaOMR 300 a monthOMR 350% a monthNone
Titanium Credit CardBank NizwaOMR 300 a monthOMR 350% a monthNone
Platinum Credit CardBank NizwaOMR 300 a monthOMR 500% a monthNone
Gold Credit Cardahli islamicOMR 320 a monthOMR 300% a monthReward points
Visa Gold Credit CardSohar IslamicOMR 400 a monthNo annual fee0% a monthNone
Visa Platinum Credit CardSohar IslamicOMR 650 a monthNo annual fee0% a monthNone

Profit rate is the rate the bank publishes on an unpaid balance, not the APR. Where a bank does not publish a figure we say so rather than estimate it.

Each card in more detail

Meethaq Islamic Banking

Meethaq Lulu Credit Card

2% reward points on Lulu Hypermarket spend in Oman, 0.5% on other local merchants

Annual fee
OMR 10
Profit rate
0% /mo
Minimum income
OMR 250 a month
Structure
Qard Hasan + Ujrah
Reward points

Full breakdown

Meethaq Islamic Banking

Meethaq VISA Gold Credit Card

Annual fee
OMR 10
Profit rate
0% /mo
Minimum income
OMR 250 a month
Structure
Qard Hasan + Ujrah

Full breakdown

Dhofar Islamic

Mastercard Gold Credit Card

0.75% value back on international purchases, 0.5% on purchases in Oman

Annual fee
OMR 20
Profit rate
0% /mo
Minimum income
OMR 250 a month
Structure
Qard Hasan + Ujrah
Cashback

Full breakdown

Meethaq Islamic Banking

Meethaq VISA Platinum Credit Card

Annual fee
OMR 50
Profit rate
0% /mo
Minimum income
OMR 250 a month
Structure
Qard Hasan + Ujrah

Full breakdown

Bank Nizwa

World Credit Card

Annual fee
No annual fee
Profit rate
0% /mo
Minimum income
OMR 300 a month
Structure
Qard Hasan

Full breakdown

Bank Nizwa

Gold Credit Card

Annual fee
OMR 30
Profit rate
0% /mo
Minimum income
OMR 300 a month
Structure
Qard Hasan

Full breakdown

Bank Nizwa

Standard Credit Card

Annual fee
OMR 35
Profit rate
0% /mo
Minimum income
OMR 300 a month
Structure
Qard Hasan

Full breakdown

Bank Nizwa

Titanium Credit Card

Annual fee
OMR 35
Profit rate
0% /mo
Minimum income
OMR 300 a month
Structure
Qard Hasan

Full breakdown

Bank Nizwa

Platinum Credit Card

Annual fee
OMR 50
Profit rate
0% /mo
Minimum income
OMR 300 a month
Structure
Qard Hasan

Full breakdown

ahli islamic

Gold Credit Card

Earn Pearl Points on every spend

Annual fee
OMR 30
Profit rate
0% /mo
Minimum income
OMR 320 a month
Structure
Ujrah
Reward points

Full breakdown

Sohar Islamic

Visa Gold Credit Card

Annual fee
No annual fee
Profit rate
0% /mo
Minimum income
OMR 400 a month
Structure
Ujrah

Full breakdown

Sohar Islamic

Visa Platinum Credit Card

Annual fee
No annual fee
Profit rate
0% /mo
Minimum income
OMR 650 a month
Structure
Ujrah

Full breakdown

Other ways to filter cards in Oman

No annual fee5 cards

This is a reference, not advice

Whether a particular card is acceptable to you is a question for a scholar you trust. We set out what each bank publishes and link the source on every card page so you can check.

Want every card, not a filtered list?

See every card we index in Oman, with the issuers and the contracts they use.