debit card​​

bank muscat’s debit cards are designed to provide you with convenience and easy access to your account

features:
  • 24/7 direct access to the account for cash withdrawal or p​urchases through POS terminals
  • worldwide acceptance at more than 30 million locations
  • 24 hour customer service for all banking needs, including blocking of card if it is lost/stolen/misplaced
  • One-Time-Password (OTP) security service provided to you when you are transacting online. to find out more click here
  • zero liability for charges incurred on the debit card following a reported loss and a written confirmation of the same to the bank
  • money transfer
  • SMS alerts
eligibility:

bank muscat debit cards are available to all customers who have one of the following accounts:​

  • bank muscat savings account
  • current account including individual account
  • sole proprietorship or partnership accounts
  • najahi business accounts

FAQs:

what can i do if my debit card is lost/stolen?

report the loss through mbanking, online banking or by contacting the call centre.

schedule of charges:
description of charges amount - OMR remarks
issuance fee 1st for free -
cash withdrawal fee at bank muscat atm OMR 0.00 no charge
cash withdrawal fee at other local bank atms OMR 0.100 charged for every cash withdrawal transaction irrespective of amount
cash withdrawal fee at gulf switch member banks atms OMR 0.800
charged for every cash withdrawal transaction irrespective of amount
cash withdrawal fee at other atms outside oman/gulf switch OMR 1.500 charged for every cash withdrawal transaction irrespective of amount
balance enquiry fee at bank muscat atm OMR 0.00 no charge
balance enquiry fee at other local bank atms OMR 0.050 charged for every balance enquiry transaction at the atm
balance enquiry fee at gulf switch member bank atms OMR 0.300​
charged for every balance enquiry transaction at the atm
payment for purchases fee at pos terminals locally, gulf and internationally at bank muscat pos or other bank pos OMR 0.00 free of charge service
lost & stolen card replacement fee OMR 2.000 charged for issuing a replacement card
renewal fee OMR 0.00 no reissuing fee based on date of expiry
OmanNet mini statement OMR 0.050 mini statement through ATM- using local banks ATM's
OmanNet account to account transfer (sender) OMR 0.200 account to account transfer (local banks ATM's)
annual fee OMR 1.000 based on date of issuance
 
classic zeinah shababi al jawhar signature infinite platinum najahi private banking
withdrawal limit OMR 600 OMR 600 OMR 600 OMR 800 OMR 1000 OMR 1000 OMR 1000 OMR 1000 OMR 1500

Visit your nearest branch or call 2479 5555 for further details.​​​​​​

latest card offers    terms and conditions

VISA infinite credit card

open the door to a world of luxuries and special privileges with VISA infinite credit card.

features:
  • 52 days interest free credit period
  • complimentary chauffeur service to and from muscat international airport (click here)
  • supplementary cards for family members over 18 years of age
  • access to over 800 premium airport lounges worldwide
  • free full multi-trip travel insurance (click here for more details)
  • coverage against accidental damage or loss of purchase for 365 days from the purchase date on store receipt
  • global concierge service
  • exclusive travel benefits and protection at over 900 luxury hotels around the world (for bookings made through visa luxury hotels)
eligibility:
  • the visa infinite credit card is available to oman residents (nationals and expatriates) on invitation basis only
  • individuals who meet the bank’s criteria will receive the invitation

FAQs:

can i withdraw cash on my VISA infinite credit card?

you can withdraw cash up to 100% of your credit limit from any atm that displays the visa logo.

how do you determine the balance mentioned in the credit card statement?

your total outstanding balance is shown as ‘current balance’ on the credit card statement. it is determined by adding any purchases and cash advances you made, and subtracting payments or credits from the ‘previous balance’.

how is the interest charged?

  • interest will be charged at the prevailing rate
  • it will be subject to change in accordance with the applicable laws and pursuant to the regulations issued by the CBO
  • no interest will be charged if the outstanding balance in the card account is settled in full by the payment due date
schedule of charges:
description of charges amount - OMR
annual fee 120 OMR
supplementary subscription fee 35 OMR
supplementary annual fee 35 OMR
interest rate 1.5 % per month
cash advance fee 3%
card replacement (lost or stolen) 10 OMR
duplicate statement fee 5 OMR
overdue penalty or late payment fee 5 OMR
over limit penalty 5 OMR
re- payment terms:
re-payment terms amount – omr
minimum amount due 5% or 10 OMR (whichever is higher)
interest free period up to 52 days
cash advance limit 100%

*bank muscat reserves the right to change its card pricing at any time.

Visit your nearest branch or call 2479 5555 for further details.​​​​​​

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mastercard platinum credit card

mark your place in the elite group of banking individuals with mastercard platinum credit card, your gateway to special privileges

features:
  • worldwide acceptance
  • 52 days interest free credit period
  • cash advance facility from visa ATMs worldwide
  • supplementary cards for family members over 18 years of age
  • complimentary chauffeur service to and from Muscat international airport (click here)
  • access to global brands with mastercard moments (click here)  
  • free access to Prime Class lounge at Muscat International airport and Plaza Premium lounge at Salalah International airport
eligibility:
  • be an Omani national or resident with a valid resident card and visa
  • minimum age of 18 years
  • minimum monthly salary of OMR 2000 or equivalent deposit
  • meet bank muscat’s credit requirements
  • work for the government or in a listed bank muscat approved company

FAQs:

schedule of charges:

fees and charges for bank muscat platinum mastercard credit card

description of charges amount - omr
annual fee 100 OMR
supplementary subscription fee 0 OMR
supplementary annual fee 0 OMR
interest rate 1.5 % per month
cash advance fee 3%
card replacement (lost or stolen) 10 OMR
duplicate statement fee 5 OMR
overdue penalty or late payment fee 5 OMR
over limit penalty 5 OMR
re- payment terms:
re-payment terms amount – omr
minimum amount due 5% or 10 OMR (whichever is higher)
interest free period up to 52 days
cash advance limit 100%

*bank muscat reserves the right to change its card pricing at any time.

Visit your nearest branch or call 2479 5555 for further details.

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classic credit card

bank muscat’s vis​a classic credit card offering you convenience you deserve.

features:
  • worldwide acceptance
  • 52 days interest free credit period
  • cash advance facility from visa ATMs worldwide
  • supplementary cards for family members over 18 years of age
eligibility:
  • Omani nationals or residents with a valid resident card and visa
  • minimum age of 18 years
  • minimum monthly salary of OMR 250 or equivalent deposit
  • meet bank muscat’s credit requirements
  • work for the government or in a listed bank muscat approved company

FAQs:

what are the documents required to complete the application?

  • copy of id card (nationals)
  • copy of resident card, passport and valid visa (expatriates)
  • salary transfer letter or deposit in the bank
  • details of any existing debt burden if any (home loan, investment, property loans, personal loans)

how much do i need to repay every month?

you need to repay the ‘minimum payment due’, which is equivalent to 5% or OMR 10 (whichever is higher) of the ‘current balance’, as well as any past dues.

how can i increase my credit limit?

the bank can increase your credit limit if it is less than the amount you are eligible for or by increasing your deposit amount

how can i renew my card, which is due to expire?

all credit cards with regular payments up to 60 days in advance are renewed and can be collected at your bank muscat branch once the customer receives an sms notification.

schedule of charges:

fees and charges for bank muscat visa classic credit card

description of charges amount - OMR
annual fee 10 OMR
supplementary annual fee 5 OMR
interest rate 1.5 % per month
cash advance fee 3%
card replacement (lost or stolen) 10 OMR
duplicate statement fee 5 OMR
overdue penalty or late payment fee 5 OMR
over limit penalty 5 OMR
re- payment terms:
re-payment terms amount – OMR
minimum amount due 5% or 10 OMR (whichever is higher)
interest free period up to 52 days
cash advance limit 100%

*bank muscat reserves the right to change its card pricing at any time.

Visit your nearest branch or call 2479 5555 for further details.

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Oman Air credit card

a partnership with Oman’s national carrer to offer you bank muscat’s Oman Air credit card packed ​with a host of privileges and benefits

features:
  • miles on all purchases for every 1 OMR spent using your bank muscat oman air credit card, 2 sindbad miles will be rewarded.
  • fast track to silver tier upon completion of 2 return trips within 6 months of getting the card.
  • 1,000 welcome bonus sinbad miles within 30 days of the first usage of the card.
  • enhanced purchase protection and care up to 90 days of purchase
  • earn a renewal bonus of 1,000 miles when you renew your bank muscat Oman Air credit card.
eligibility:
  • be an omani national or resident with a valid resident card and visa
  • minimum age of 18 years
  • minimum monthly salary of OMR 500 or equivalent deposit
  • meet bank muscat’s credit requirements
  • work for the government or in a listed bank muscat approved company

FAQs:

schedule of charges:
description of charges amount - OMR
annual fee 15 OMR
supplementary subscription fee 5 OMR
supplementary annual fee 5 OMR
interest rate 1.5 % per month
cash advance fee 3%
card replacement (lost or stolen) 10 OMR
overdue penalty or late payment fee 5 OMR
over limit penalty 5 OMR
re- payment terms:
re-payment terms amount – OMR
minimum amount due 5% or 10 OMR (whichever is higher)
interest free period up to 52 days
cash advance limit 100%
forex fee please refer to terms & conditions

*bank muscat reserves the right to change its card pricing at any time.

Visit your nearest branch or call 2479 5555 for further details.

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LuLu bank muscat credit card

make shopping a rewarding experience with lulu bank muscat credit card

features:
  • worldwide acceptance
  • free travel protection insurance
  • reward points - 2% at lulu hypermarket and 0.5% at other local and international merchants – redeemable instantly for free merchandise at any lulu hypermarket in Oman
  • exclusive monthly offers at lulu hypermarkets
eligibility:
  • be an Omani national or resident with a valid resident card and visa
  • minimum age of 18 years
  • minimum monthly salary of OMR 250 or equivalent deposit
  • meet bank muscat’s credit requirements with good credit history
  • work for the government or in a listed bank muscat approved company

FAQs:

what are the documents required to complete the application?

  • copy of id card (nationals)
  • copy of resident card, passport and valid visa (expatriates)
  • salary transfer letter or deposit in the bank
  • details of any existing debt burden if any (home loan, investment, property loans, personal loans)

how do i know how many points i earned have with the lulu bank muscat credit card?

number of points can be identified on the monthly statement, or by calling our call center at 24795555 or customers can redeem them at lulu hypermarket

are the supplementary cards eligible to earn points?

yes, supplementary cardholders can also earn points on usage of their cards. the points will be credited to the primary account.

are the points transferable?

no, they cannot be transferred or refunded.

schedule of charges:
description of charges amount - OMR
annual fee 10 OMR
supplementary annual fee 5 OMR
interest rate 1.5 % per month
cash advance fee 3%
card replacement (lost or stolen) 10 OMR
duplicate statement fee 5 OMR
forex fee please refer to terms and conditions
re- payment terms:
re-payment terms amount – OMR
minimum amount due 5% or 10 OMR (whichever is higher)
interest free period up to 52 days
cash advance limit 100%

*bank muscat reserves the right to change its card pricing at any time.

Visit your nearest branch or call 2479 5555 for further details.

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gold credit card

as a leading established gold credit card, welcome to a world of benefits and privileges.

features:
  • worldwide acceptance
  • 52 days interest free credit period
  • cash advance facility from visa ATMs worldwide
  • gold credit card for family members over 18 years of age
eligibility:
  • Omani nationals or residents with a valid resident card and visa
  • minimum age of 18 years
  • minimum monthly salary of OMR 670 or equivalent deposit
  • meet bank muscat’s credit requirements
  • work for the government or in a listed bank muscat approved company

FAQs:

schedule of charges:
description of charges amount - OMR
annual fee 15 OMR
supplementary annual fee 5 OMR
interest rate 1.5 % per month
cash advance fee 3%
card replacement (lost or stolen) 10 OMR
duplicate statement fee 5 OMR
overdue penalty or late payment fee 5 OMR
over limit penalty 5 OMR
re- payment terms:
re-payment terms amount – omr
minimum amount due 5% or 10 OMR (whichever is higher)
interest free period up to 52 days
cash advance limit 100%
forex fee please refer to terms & conditions

*bank muscat reserves the right to change its card pricing at any time.

Visit your nearest branch or call 2479 5555 for further details.

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zeinah credit cards

exclusive zeinah credit card to give you the benefits you deserve

features:
  • worldwide acceptance
  • 52 days interest free credit period
  • cash advance facility from visa atms worldwide
  • supplementary cards for family members over 18 years of age
eligibility:
  • be an Omani national or resident with a valid resident card and visa
  • minimum age of 18 years
  • meet bank muscat’s credit requirements
  • work for the government or in a listed bank muscat approved company

FAQs:

fees and charges for zeinah card:
description charges amount - OMR
annual fee 10 OMR
interest rate 1.5 % per month
cash advance fee 3%
card replacement (lost or stolen) 10 OMR
duplicate statement fee 5 OMR
overdue penalty or late payment fee 5 OMR
over limit penalty 5 OMR
re- payment terms:
re-payment terms amount – OMR
minimum amount due 5% or 10 OMR (whichever is higher)
interest free period up to 52 days
cash advance limit 100%

*bank muscat reserves the right to change its card pricing at any time.

Visit your nearest branch or call 2479 5555 for further details.

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