To cater to the needs of our customers, ahli islamic has developed the first of its kind Shari’a based credit card product. The Credit Card, based on the principle of Ujra, is the first ‘Socially Responsible’ credit card in the Sultanate of Oman. It provides flexibility to the cardholder to utilize the card limit for any Shari’a compliant purposes and pay agreed fees against the availed services. The Card is designed in such a way that it is free from any ambiguity and interest charges.
As per Shari’a principles, ahli islamic cannot charge customers with any interest on the amount withdrawn through the card. In case the cardholder is delayed in making timely payment, the cardholder undertakes to pay certain amount as charity, which is not considered as income for ahli islamic; rather, it is credited to charity accounts on behalf of the customers.
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Minimum Salary |
Salary Range OMR 320 – 999 |
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Minimum Age |
21 |
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Minimum Service |
Omanis: Government and Quasi Government – 3 months Private Sector – 6 months Expatriates: Resident in Oman for a minimum of 2 years and with current employer for a minimum of 1 year |
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Card Limit |
OMR 250 – 1,999 |
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Minimum Salary |
Salary Range OMR 1,000 – 3,499 |
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Minimum Age |
21 |
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Minimum Service |
Omanis: Government and Quasi Government – 3 months Private Sector – 6 months Expatriates: Resident in Oman for a minimum of 2 years and with current employer for a minimum of 1 year |
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Card Limit |
OMR 1,000 – 9,999 |
Access to 1,000 lounges worldwide, 12 times a year (*Spend a minimum of USD 1 internationally, 10 days before entering the lounge)
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Minimum Salary |
Salary Range OMR 3,500 – 4,999 |
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Minimum Age |
21 |
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Max Age (On maturity or retirement age) |
Omani-60 Years Expatriates – 59 Years |
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Minimum Service |
Omanis: Government and Quasi Government – 3 months Private Sector – 6 months Expatriates: Resident in Oman for a minimum of 2 years and with current employer for a minimum of 1 year |
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Card Limit |
Min 3,500 – Max Subject to Debt Burden Ratio (DBR) or cash margin |
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Minimum Salary |
By Invitation only |
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Minimum Age |
21 |
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Max Age(On maturity or retirement age) |
Omani- 60 Years Expatriates – 59 Years |
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Minimum Service |
Omanis: Government and Quasi Government – 3 months Private Sector – 6 months Expatriates: Resident in Oman for a minimum of 2 years and with current employer for a minimum of 1 year |
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Card Limits |
By invitation only – Max Subject to Debt Burden Ratio (DBR) or cash margin |
To view the Schedule of Charges Click Here
To view the Terms & Conditions Click Here
Enhance your privileges with our Credit Cards, and experience contentment with our value added services
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Merchant |
Segment |
Offer Details |
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Jumeriah Muscat Bay |
Al Shumookh Credit Cards |
To view Terms and Conditions; please click here |
For any further information, please contact:
Email:
[email protected]
Reach us by post:
P.O Box 545, PC 116, Mina al Fahal
Effective from 8th of March 2024, ahli islamic credit card billing date will change from 15th of the month to the 8th of the month. The billing cycle will extend from 38 days to 45 days for added flexibility. Charity for Late payment fees will be collected post payment due date and payment date will continue to be 23rd of the month.
It is to inform that starting from January 2024, the existing loyalty scheme which awards “Pearl Points on use of credit card” has been discontinued. The Bank is introducing a new loyalty platform, which extends beyond credit card rewards, in a near future and its announcement will be made to you very soon.
You’ll enjoy a bank-wide loyalty program that opens up a world of redemption options. Say goodbye to just air miles and hello to cash back, utility bill payments, hotel and flight bookings, and so much more of the benefits!
We would make your banking experience much better. You may continue to redeem your existing Pearl Points into airline miles until the points expire.
Stay tuned for launch of our new loyalty program…
