World Mastercard Credit Card

What makes this card Islamic

Dukhan Bank 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.

Fixed-fee (Ujrah) model: Dukhan charges a fixed monthly fee scaled to the card limit only when the minimum-payment option is used, and nothing at all when the balance is settled in full - the structural opposite of a percentage profit rate. Dukhan's own credit card terms state the card limit is approved on the Islamic concepts of Qard Al Hasan and Ujrah, and that a portion of late fees is channelled to the Bank's charity fund; that terms page returned 403/500 to direct fetch in this session and the wording was recovered from a search engine's index of the bank's own page, so it needs re-verification.

Approved by Shari'ah Supervisory Board, under the supervision of Qatar Central Bank (QCB).

What it costs

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

Annual fee

QAR 700Annual card spend over QAR 96,000source

Supplementary card

QAR 100First two supplementary cards are free; each card above the first two costs QAR 100.source

Profit rate

Not publishedDukhan does not charge a percentage profit rate. It charges a FIXED monthly fee of QAR 700 on this card when the minimum-payment option is used, and nothing when the balance is paid in full. The bank's April 2025 Tariff Guide states QAR 770 for the corresponding card-limit band - see watch_outs.

Cash withdrawal

4.5% or a minimum of QAR 100

Late payment

QAR 50Dukhan's own credit card terms state a portion of late fees is channelled to the Bank's charity fund (wording recovered from a search index of the bank's terms page, which would not load directly - re-verify).

Over limit

QAR 150

Foreign currency spend

2.99% on top of the exchange rate

Replacement card

QAR 100

Takaful cover

Optional Credit Shield Takaful at 0.55%

What you get back

• Dukhan Bank Loyalty Points on every spend, automatically convertible to Qatar Airways Privilege Club, Nojoom and other participating programmes

Other benefits

• Access to over 900 lounges through LoungeKey
• Hotel, transportation and airline discounts, car rental offers and upgrades
• Over 150 lifestyle benefits
• 3% minimum payment option
• 10,000 welcome Dukhan Bank Rewards points

Before you apply

• The World Mastercard page says the card is for 'Qatari citizens and residents with a credit limit of QAR 65,001 and above', while the comparison table places World Mastercard at QAR 45,001-55,000. Dukhan's own two pages disagree.
• Dukhan publishes two different sets of monthly-fee figures. The Credit Cards product page lists QAR 300/500/600/700/900/1,000/1,500/2,000/2,500 by card tier; the Tariff Guide dated 16 April 2025 lists QAR 330/550/660/770/990/1,100/1,650/2,200/2,750 against card-limit bands - exactly 10% higher throughout. The product-page figure is recorded here because it is stated per named card; treat the tariff figure as the possible current one and confirm with the bank before relying on either.
• The fixed monthly fee is charged in full whenever you use the minimum-payment option, regardless of how small the outstanding balance is - so carrying a small balance is proportionally very expensive.
• Cash advances cost 4.5% or a minimum of QAR 100, the highest cash-advance charge among Qatar's Islamic banks.

Can you get it?

Other conditions

Qatari citizens and residents with a credit limit of QAR 65,001 and above per the card page (the comparison table places World Mastercard at QAR 45,001-55,000; the two statements differ - confirm with the bank).

Where these figures come from

Last checked against Dukhan Bank’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.

• “10,000 welcome Dukhan Bank Rewards points - Dukhan Bank World Mastercard”
• “MC World | QAR 45,001 - QAR 55,000 | 700 - Dukhan Bank Credit Cards comparison table”
• “over 900 lounges - Dukhan Bank World Mastercard, LoungeKey”
• “A fixed monthly fee will be charged if minimum payment option is selected. No fee is charged if monthly balance is paid in full. - Dukhan Bank Credit Cards page”
• “Flexible payment option* - minimum payment of 3% - Dukhan Bank Credit Cards page”
• “Up to 2 free supplementary cards - Dukhan Bank Credit Cards page”
• “Supplementary cards (First 2 cards) | Free; Supplementary cards above first 2 | QAR 100 - Dukhan Bank Tariff Guide (April 2025)”
• “Cash advance fees | 4.5% or minimum of QAR 100 - Dukhan Bank Tariff Guide (April 2025)”
• “Late payment fees | QAR 50 - Dukhan Bank Tariff Guide (April 2025)”
• “Over limit fee | QAR 150 - Dukhan Bank Tariff Guide (April 2025)”
• “Card replacement (lost / stolen card) | QAR 100 - Dukhan Bank Tariff Guide (April 2025)”
• “Credit Shield Takaful | 0.55% - Dukhan Bank Tariff Guide (April 2025)”
• “Fx Fees | 2.99% (Infinite 2.75%) - Dukhan Bank Tariff Guide (April 2025)”
• “* Monthly fees are applied to only fee based credit cards where the total outstanding balance is not paid in full by due dates - Dukhan Bank Tariff Guide (April 2025)”

• Product page
• Schedule of charges
• Terms and conditions