Frequently Asked Questions

1. What is the CBK British Airways card?

It’s a new premium rewards card designed by CBK, British Airways and MasterCard especially for the Kuwait market. There are 3 cards to choose from:

  1.  World Credit Card
  2.  Platinum Credit Card
  3.  Prepaid Card

2. What are the main benefits of the card?

The cards offer rewards, travel, lifestyle and insurance benefits

  1.  Rewards – collect Avios for all your spending and turn them into flights with British Airways and the oneworld® alliance (15 airlines including Qatar and Royal Jordanian) or upgrades with British Airways1
  2.  Travel – lounge access from MasterCard, travel insurance and concierge services2
  3.  Lifestyle – VIP treatment, unique experiences and special deals in dining, accommodation, entertainment and shopping provided by MasterCard and CBK2
  4. Protection – travel insurance, fraud protection and ATM robbery provided by MasterCard and CBK2

3. What are the main benefits of the World card?

Up to 25,000 bonus Avios. Enough for a return flight to London from Kuwait at peak times (flight to London = 20,000 Avios at non peak times and 25,000 Avios at peak times). Receive 12,500 Avios when your application is approved. Plus, apply between 1st November and 31st December 2016 and you will collect an extra 25,000 Avios if you spend KD 3,000 during the first 3 months after card issuance date.1

  • Collect Avios when you use your card: 1 KD = 3 Avios for local spend, 5 Avios for international spend and 6 Avios for spend on ba.com
  • Collect and share Avios with family and friends through the Executive Club Household Account – you can pool Avios with up to six people who live in your household3
  • Global lounge access with MasterCard2
  • Comprehensive travel insurance for all the family2
  • Local concierge service2
  • Lifestyle VIP treatment and deals from MasterCard and CBK2
  • Fraud Protection, ATM Robbery2
  • Automatic enrolment into the British Airways Executive Club if you are not already a member

4. What are the main benefits of the Platinum card?

Up to 15,000 bonus Avios. More than enough for a one way flight to London from Kuwait at peak times (flight to London= 10,000 Avios at non peak times and  12,500 Avios at peak times). Receive 7,500 Avios when your application is approved. Plus, apply between 1st November and 31st December 2016 and you will collect an extra 7,500 Avios if you spend KD 1,500 during the first 3 months after card issuance date.1

  • Collect Avios when you use your card: 1 KD = 2 Avios for local spend, 3 Avios for international spend and 4 Avios for spend on ba.com
  • Collect and share Avios with family and friends through the Executive Club Household Account – you can pool Avios with up to six people who live in your household3
  • Regional Lounge Access from MasterCard2
  • Travel insurance for all the family including Schengen Visa document2
  • Local concierge service2
  • Unique experiences and special offers from MasterCard and CBK2
  • Fraud Protection, ATM Robbery, Purchase Protection2
  • Automatic enrolment into the British Airways Executive Club if you are not already a member

5. What are the main benefits of the Prepaid card?

Up to 2,000 bonus Avios. Receive 1,000 Avios when your card is issued. Plus, apply between 1st November and 31st December 2016 and you will collect an extra 1,000 Avios if you spend KD 250 during the first 3 months after card issuance date.1

  • Collect Avios when you use your card: 1 KD = 1 Avios for local spend, 3 Avios for international spend and 2 Avios for spend on ba.com
  • Collect and share Avios with family and friends through the Executive Club Household Account – you can pool Avios with up to six people who live in your household3
  • Low cost ATM cash withdrawal – only KD 0.5 at home or away (no charges on CBK ATMs)
  • Unique experiences and special offers from MasterCard and CBK2
  • Fraud protection, ATM robbery, Purchase Protection2
  • Automatic enrolment into the British Airways Executive Club if you are not already a member

6. What are Avios?

Avios is the reward currency of the British Airways Executive Club. Collect Avios whenever you make a purchase on your card, fly with British Airways or the oneworld alliance, stay at their partner hotels or rent a car with Avis. Spend your Avios on flights with British Airways and the oneworld alliance, or an upgrade on British Airways flights. All reward flights are subject to availability and the customer will have to pay taxes, fees and carrier charges. Terms and conditions apply and can be found on www.ba.com/executive-club/terms-and-conditions

7.What is the British Airways Executive Club?

The British Airways Executive Club is the name for the frequent flyer program of British Airways. When you sign up for a CBK British Airways card we automatically enrol you in the Executive Club if you are not already a member. It’s all part of the service. As an Executive Club member you can unlock exclusive privileges as you fly more with British Airways and their partners. Visit www.ba.com/executive-club/about-the-club for more information.

8. I am already a member of the British Airways Executive Club. Can I add my new CBK British Airways card to my existing account?

Your CBK British Airways card will automatically be enrolled provided that your Executive Club account is registered with a valid address in Kuwait.

9. How do I earn Avios?

  • Use your CBK British Airways card for all your spend in Kuwait and when travelling abroad
  • Fly with British Airways and the oneworld alliance
  • Rent a car with Avis via the British Airways website
  • Convert your hotel loyalty points to Avios with British Airways' hotel partners

10. What can I spend my Avios on?

Reward flights to global destinations with British Airways and oneworld alliance partners, or an upgrade on British Airways flights (subject to availability)

11. How do I book a reward flight or upgrade?

You can book a reward flight or upgrade via the British Airways website at www.ba.com or on the British Airways app. Also, with the new Reward Flight Finder tool you can search for British Airways reward seats by country, continent, or city. Visit www.britishairways.com/travel/flightfinder

12. What is oneworld?

The oneworld alliance is the airline partnership program of British Airways and 14 other airlines - Qatar Airways, Royal Jordanian, American Airlines, Iberia, Malaysia Airlines, Qantas, Cathay Pacific Airways, Airberlin, Finnair, TAM, Japan Airlines, Srilankan Airlines, LAN Airlines and S7 Airlines.

13. What is a Household Account?

You can pool your Avios with up to six people you live with. Set up a Household Account at www.ba.com/executive-club/household-accounts . Make sure you apply for all the additional cards you need and make the most of your family spending.

14. How can I check my Avios total balance?

Via the British Airways website at www.ba.com. Here you will get a detailed breakdown of all the Avios you have earnt or spent. In addition, your CBK monthly statement will confirm the amount of Avios to be transferred to your Executive Club account each month. You can also download the BA app where you can see Avios balance, Executive Club information, check-in online and make a booking or search for a reward flight.

15. How long does it take to add the Avios I have earnt on my card to my Executive Club account?

Your Avios will usually be updated within 7 business days from the date of your card purchase.

16. Can I use my Avios on other airlines?

Yes. You can book to any worldwide destination, where there’s availability, with British Airways as well as their oneworld® partners - for example Qatar Airways. Visit www.ba.com/travel/redeem to book a reward flight.

17. Do Avios expire?

Avios will remain active as long as you collect or spend at least one Avios every three years.

18. What are the blackout dates and how many reward seats are there on flights?

British Airways has reward seats allocated on every flight; these seats are subject to availability.

19. How many Avios do I need for flight?

British Airways flights are priced differently for non-peak and peak times. Download the British Airways app or visit the British Airways website at ba.com to see the peak dates and Avios required. As an example, the amount of Avios required for a one way, non-peak flight to London from Kuwait is 10,000 Economy and 31,250 Business; at peak times this is 12,500 Economy and 37,500 Business.

20. What if I don’t have enough Avios for my flight reward?

You can use your Avios to part-pay for British Airways flights or purchase up to 35,000 Avios in any one year.

21. When I redeem a flight with my Avios do I have to pay anything else?

Yes, there will be an additional amount to be paid for taxes, fees and surcharges. This varies widely depending on the destination and class of travel. The costs will be broken down in detail when you make a booking.

22. What is the BA Special Offer? How do I get it?

To support the launch of the new CBK British Airways cards we have a special offer on all flights booked with your new card until 31st December 2016. This one-time use offer applies to any flight on British Airways planes:

  • 5% off all British Airways flights departing from Kuwait
  • Applies to any class of flight
  • One-time use offer during the promotional period
  • Flights should be booked before 31 December 2016 however cardholders have till 31 March 2017 to travel
To access this offer, flights must be booked on a British Airways plane and payment must be made on a CBK British Airways card. All successful card applicants receive a unique promotional code when their card is issued to access this offer. Terms and conditions apply.

General

23. What are the eligibility criteria for the cards?

  • World Card – minimum KD 2,000 salary
  • Platinum Card – minimum KD 1,000 salary
  • Prepaid Card – minimum KD 250 load

24. How do I apply for a card or get more information?

Apply at any branch, or for more information call 1 888 225 or go to www.cbk.com/bacards.html

25. What are the annual fees for the cards?

  • World KD 100
  • Platinum KD 70; annual renewal KD 60
  • Prepaid KD 10
26. How do I contact the bank if I have any questions?

Our Call Center is on 1 888 225 or send an e-mail to cbkinq@cbk.com

Travel, Lifestyle and Insurance

27. What lounges can I use? Are there any charges?

World cardholders have complimentary access to over 550 lounges worldwide with Lounge Key from MasterCard. See the list at www.loungekey.com or download the Lounge Key app.

World and Platinum cardholders can access the following regional lounges:

  • Egypt: Cairo International Airport, First Class Lounge at Terminal 1 and 3.
  • Jordan: Queen Alia International Airport Amman, Petra Lounge. Located Airside. After clearing Immigration proceed past the Duty Free Shop then turn left towards Gate 210. The lounge is opposite Gate 208.
  • Kuwait: Kuwait International Airport, MasterCard Lounge. Located Airside near to Gate 27.
  • Saudi Arabia: Jeddah International Airport, First Class Lounge (Foreign Airline - North Terminal)
  • UAE: Abu Dhabi International Airport, VIP Terminal, MasterCard Diamond Lounge. Access to the VIP Terminal is only available on production and validation of a premium MasterCard. There is a separate entrance and cardholders are encouraged to plan and arrive at the VIP terminal directly.
  • UAE: Dubai International Airport, Marhaba Lounges at Terminal 2-Departure Area, Terminal 3 (Concourse A and B) and passenger Terminal 4 at the Dubai World Central.

No registration is necessary; just show your card to gain unlimited entry. A guest may be invited for a fee of $27 per visit.

28. What is the travel insurance?

Travel insurance covers you and your family including children under 18 or under 23 in full time education for the following (amounts are in US$.):

Cover

World Credit Card

Platinum Credit Card

Travel Accident

Up to 500,000

Up to 100,000

Emergency Medical Expense

Up to 500,000

Up to 75,000

Emergency Medical Evacuation

Up to 500,000

Up to 75,000

In-Hospital Cash Benefit

100 per day

-

Missed Connection

Up to 300

-

Flight Delay

Up to 300

Up to 100 per hour

Baggage Loss or Delay

Up to 3,000

Up to 100 per hour

Trip Cancellation

Up to 7,500

-

24/7 Emergency Assistance

Included

Included

Trip length

Up to 180 days

Up to 45 days

Number of trips allowed

Unlimited

Unlimited

Eligible ages are 18-69 years. Please see full terms and conditions at www.cbk.com/bacards.html

  29. What other insurance benefits are there?

All cardholders benefit from the following insurances and protection:

Fraud Protection – we use a suite of fraud protection tools to minimize the chance of fraud occurring on your credit card account. Pay with confidence knowing that any unauthorized charges on your card will be reimbursed. Please let us know before you travel to make sure you receive uninterrupted service when you make purchases abroad.

ATM Robbery – you are protected against direct physical theft when withdrawing cash from any ATM machine up to the full value of the amount you withdrew.

In addition, Platinum cardholders benefit from:

Purchase Protection – protection for the things you buy against accidental damage or theft up to 90 days from the purchase date including online purchases. Up to $3,000 per item and $20,000 in total.

For full terms and conditions go to www.cbk.com/bacards.html

30. What is the Concierge Service?

Local Concierge (World and Platinum Credit cards) - our concierge service in Kuwait helps you book a restaurant, find a last minute gift, make visa arrangements or book a transfer to the airport. One number does it all. Just call 2225 2230

Personal Services

Governmental Services

 Reservations (Airline Tickets- Hotels- Restaurants)

· Renewal/Transfer of hired help visas.

Transportation to and from the airport in high-end cars.

Transfer of details from 1 passport to another.

Delivery services (Gifts - Flowers - Chocolate )

Renewal/Obtaining a driver license/ car registration/license plates

Car rental services

Pay off Traffic Violations

On the road services (Emergency)

Pay off electricity/water bills

Organization of events and occasions

Taking care of transactions that don't require person involved to be present

 

Issuance of Tourist/Study Visas

  31. What are the special lifestyle deals and offers?

We combine MasterCard offers with our own locally sourced benefits to bring cardholders VIP treatment, special offers and one of a kind experiences around the world and around the corner at hotels, restaurants, stores and venues all over the world. Here are a few examples to get your imagination going.

Around the World

  • Use your card to book a visit to the Colosseum in Rome and jump the queues with complimentary fast-track, get an official tour guide plus a special 10% discount on the ticket price
  • 2 for 1 tickets are yours at worldwide attractions including Madame Tussauds in London and the Museo del Prado in Madrid or enjoy 15% off any Disney Paris hotel
  • Book a trip on the London Eye and jump the queues with complimentary fast-track access
  • Get an extra 6% discount all year long, free international shipping with luxury online retailer Reebonz.
  • 20% discounts twice a month on chauffeur rides with Careem across the Middle East
  • MyUS premium shipping service at over 100,000 online retailers including Apple and Amazon. Free account set up and 25% off shipping for 1 year.
  • Download the Buy 1 Get 1 free app for hundreds of offers in restaurants, stores and venues

Around the corner

  • 25% off your bill at the fabulous Al Boom, Al Bustan and Peacock restaurants at the Radisson Blu in Salwa-seaside.
  • 25% off your bill at these fantastic places in Symphony Style Hotel in Salmiya: Cucina Italian restaurant, Luna Restaurant, Choco Cafe, Symphony Gourmet.
  • Get 2 for 1 tickets and treatments at Beyond Health and Zayna Spa in Dubai, the Prestige Gate Salon spa in Bahrain or the Dilmun Water Park in Bahrain
In addition the World Card comes with the following exclusive offers:
  • Enjoy 3 nights for 2, 4 nights for 3, or 6 nights for 4 at selected luxury Starwood hotels in Europe, Middle East and Africa including St Regis, Le Meridien, Sheraton, Four points, Westin and W hotels
  • Extend your stay with up to 15% discount on luxury serviced apartments with onefinestay, Oakwood and Grosvenor House Dubai
  • Automatic eligibility for the Hertz Gold Plus Rewards Five Star membership giving you complimentary upgrades, free additional drivers, up to 15% discounts on rental rates.

Download the ‘MasterCard for You’ app or visit http://www.mastercard.com/kw/consumer/world.htm or http://www.mastercard.com/platinum.html to have all the offers, deals and benefits at your fingertips.

Visit www.cbk.com/promotions for all our local offers in Kuwait.

1 Reward flights are subject to availability. Taxes, fees, carrier charges and full terms and conditions apply. Visit www.ba.com/executive-club/terms-and-conditions for more information.

2 Services are provided by MasterCard and CBK. Terms and conditions apply. See www.cbk.com/bacards.html for full information.

3 All household members must be British Airways Executive Club members to pool Avios. Terms and conditions apply