Credit Cards

To cater to the need of customers, Al Hilal Islamic Services has developed first of its kind Shari’a based Credit card product. The Credit Card, which is based on the principle of Ujra, is the first ‘Socially Responsible’, credit card in the Sultanate of Oman, which gives flexibility to a cardholder to utilize card limit for any Shari’a compliant purposes and pay certain fee against the availed services. The product is designed in such a way that it is free of any ambiguity and interest. As per Shari’a rules, Al Hilal Islamic cannot charge customers with any interest amount on the amount withdrawn through the card and in cases cardholder delays in making timely payment, the cardholder undertakes to certain amount as charity, which is not considered as an income of Al Hilal Islamic Banking Services, rather that is spent for charity purposes. The product entails two variants:

  • Visa Signature Credit Card
  • Visa Platinum Credit Card

Fees and Charges

Visa Platinum Card and Visa Signature Card
Issuance Fee Nil
Annual Fee Nil
Monthly Fee As per Card Type and Limit
Minimum Payment 3%
Cash Advance Up to 20% of Total Limit
Cash Advance Fee Nil
Card Replacement Fee OMR 10
Late Payment Fee 0.05% from the outstanding
Over Limit Fee OMR 10

1. Platinum Credit Card:

Criteria Current Criteria
Minimum Salary Salary Range Gov. OMR 320 – 1499
Salary Range Private. OMR 500 – 1499
Minimum Age 21 Years
Max Age (On maturity or retirement age) Omanis – 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 Credit Limit 0-500 (Platinum)
Credit Limit 501-1000 (Platinum plus)
Credit Limit 1001-2000 (Platinum Exclusive)

2. Signature Credit Card:

Criteria Current Criteria
Minimum Salary Minimum Salary of OMR 1,500
Minimum Age 21 Years
Max Age (On maturity or retirement age) Omanis – 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 Credit Limit 2001-3000 (Signature)
Credit Limit 3001-4000 (Signature plus)
Credit Limit 4001-5000 ( Signature Exclusive)
  • Tie up with Charity Organizations in Oman. Al Hilal Islamic Banking Services contributes 0.50% to charity organization every time the cardholder uses his/her card on purchase transaction
  • Objective is to promote ‘Social Responsibility’. Every time the card is used at POS, the cardholder will have a feel of contributing to charity.
  • Providing flexibility to cardholder to select the Card Type, Credit limit and Monthly fee which he/she wishes to pay.
  • Sharia compliant - Concept of charging monthly fees
  • Usage blockage in non-Sharia compliant areas such as alcohol, pork related products, gambling, casinos etc.
  • Takaful insurance coverage on the Card.
  • SMS Alert, Purchase protection, ID theft protection on Card.
  • 12 complimentary access to Over 500 Airport Lounges Globally
  • Free 24 Hours Concierge Services
  • Up to 25% Discount on Fine Dining Restaurants
  • Multi Trip Insurance Up to USD 500,000 – Medical, Personal and Travel Insurance
  • Travel Insurance Coverage – Multi Trip Travel Insurance, Baggage Delay, Baggage Loss, Documents Loss
  • Purchase Protection – Theft / Damage
  • 1 Year Extended Warranty – Above Manufacturer's Warranty
  • Concierge Services

Precautions, to avoid misuse

  • Always ensure that merchants process transactions on your card in your presence, and they do not note down your card number, swipe the card twice or fill in two sale slips. Never sign an incomplete sale slip.
  • Keep track of your card statement, if you do not receive it on time, do not hesitate to call the bank to ensure that it has been dispatched to your appropriate mailing address.
  • If you find any irregularities on your card statement, please notify the Bank immediately.
  • Read the terms and conditions in detail, before you complete an internet transaction, record the name, address and contact details of the firm you are dealing and printout a copy of the order where possible.
  • When shopping online, always use a known or secure computer protected with up-to-date anti-virus software and a firewall installed, and shop at secure websites.
  • Do not hand over the card to anyone when not being used for payment.
  • Upon receipt of your new or renewed card, destroy the old card by cutting it into half. Dispose the old card in a secure manner and keep the new card safely.
  • Destroy your personal Identification Number (PIN) mailer after you have memorized your PIN, do not disclose it to anyone.
  • Do not write the PIN on your card or keep it with your card. Do remember your PIN as it is needed for all transactions.
  • Always keep the Al Hilal Islamic Banking Call Center number +968 24577177 and your card number in a safe and convenient place, separate from your card.