Credit Cards

Personal Banking
Experience ahli islamic unique credit cards with cluster of distinguishing facilities

Credit Cards

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As per Shari’a principles, ahli islamic cannot charge customers with any interest on the amount withdrawn through the card.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.

Features

  • Tie-up with charity organizations in Oman: ahli islamic contributes 0.50% to charity organizations every time a cardholder uses his/her card on purchase transaction
  • ‘Social Responsibility’: Every time a card is used at a POS, the cardholder will experience joy at having contributed to charity
  • Shari’a compliant: The card is based on the Shari’a principle of Ujra whereby the customer pays certain fees for the services availed
  • Moderation: Usage of card is blocked in non-Shari’a compliant areas such as alcohol, pork related products, gambling, casinos, etc.
  • Security: Takaful insurance coverage on the card
  • Protection: SMS alert, purchase protection and ID theft protection on card

Variety of credit card products that fit your lifestyle

  • Visa Infinite Credit Card
  • Visa Signature Credit Card
  • Visa Platinum Credit Card
  • Visa Gold Credit Card

Gold Credit Card

Value added features and benefits

  • 1 pearl point for every OMR 1 spent
  • Worldwide Acceptance
  • Advanced EMV chip feature and Verified by Visa (VBV) for online transactions
  • Monthly Statement
  • Supplementary Cards for Family
  • Lost/Stolen Card Protection
  • Zero lost Card liability
  • 24/7 customer helpline

Minimum Salary

Salary Range OMR 320 – 999

Minimum Age

21

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

Card Limit

OMR 250 – 1,999

AlMajd Platinum Credit Card

Value added features and benefits

  • Access to 25 lounges worldwide 6 times a year
  • Worldwide acceptance
  • Advanced EMV chip feature and Verified by Visa (VBV) for online transactions
  • Monthly Statement
  • Supplementary cards for family
  • Lost/Stolen Card Protection
  • Zero lost card liability
  • 24/7 customer helpline
  • Airport Dining Discount Program with Dragon Pass

Minimum Salary

Salary Range OMR 1,000 – 3,499

Minimum Age

21

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

Card Limit

OMR 1,000 – 9,999

Al Shumookh Signature Credit Card

Value added features and benefits

  • 1% cash back on credit card spends
  • Access to 1,000 lounges worldwide, 12 times a year (*Spend a minimum of USD 1 internationally, 10 days before entering the lounge)

  • Chauffer service
  • Concierge service
  • 6 pearl points for every OMR 3 spent
  • Free travel insurance when you purchase airline tickets with your card
  • Worldwide acceptance
  • Advanced EMV chip feature and Verified by Visa (VBV) for online transactions
  • Monthly Statement
  • Supplementary cards for family
  • Lost/Stolen Card Protection
  • Zero lost Card liability
  • 24/7 customer helpline
  • Travel insurance coverage
  • Extended warrantee
  • Airport Dining Discount Program with Dragon Pass

Minimum Salary

Salary Range OMR 3,500 – 4,999

Minimum Age

21

Max Age (On maturity or retirement age)

Omani-60 Years

Expatriates – 59 Years

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

Card Limit

Min 3,500 – Max Subject to Debt Burden Ratio (DBR) or cash margin

Al Shumookh Infinite Credit Card

Value added features and benefits

  • 1% cash back on credit card spends
  • Unlimited access to 1,000 lounges worldwide with guest (*Spend a minimum of USD 1 internationally, 10 days before entering the lounge)
  • Chauffer service
  • Concierge service
  • 8 pearl points for every OMR 3 spent;
  • Free travel insurance when you purchase airline tickets with your card
  • Worldwide acceptance
  • Advanced EMV chip feature and Verified by Visa (VBV) for online transactions
  • Monthly Statement
  • Supplementary cards for family
  • Lost/Stolen Card Protection
  • Zero lost Card liability
  • 24/7 customer helpline
  • Travel insurance coverage
  • Purchase protection
  • Extended warrantee

Minimum Salary

Salary Range OMR 5,000 & above

Minimum Age

21

Max Age(On maturity or retirement age)

Omani- 60 Years

Expatriates – 59 Years

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

Card Limits

Min 5,000 – Max Subject to Debt Burden Ratio (DBR) or cash margin

Fees and Charges

To view the Schedule of Charges Click Here

Terms and Conditions

 

To view the Terms & Conditions Click Here

Credit Cards Offers

Enhance your privileges with our Credit Cards, and experience contentment with our value added services

Merchant

Segment

Offer Details

Jumeriah Muscat Bay

Al Shumookh Credit Cards

To view Terms and Conditions; please click here

Contact us

For any further information, please contact:

Email:
[email protected]
Reach us by post:
P.O Box 545, PC 116, Mina al Fahal

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Change in Credit Card Billing Date

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…

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