Card type, credit limits, and issuance criteria are set according to the Bank's Policy (40% of net salary divided by repayment Percentage).

Credit Limits per Card Type:

  • Gold Minimum limit is KD 100
  • Platinum Minimum limit is KD 750
  • Infinite Minimum limit is KD 1000

**Max limit for each credit card is subjected to bank terms & conditions

Fees & Commissions Available in 2 payment methods:

  • Credit Card: Payment a min. of 8.33% of the monthly outstanding balance plus interest.
  • Charge Card: full monthly payment of 100% of outstanding balance.


Credit Cards monthly interest rate is subject to: (Central Bank discount rate + 2.5% + 6%) ÷ 12

Cards are issued against subscription fees plus annual fees for each card types:

  • Gold (KD 30 + renewal KD 20/-)
  • Platinum (Free for 1st year + renewal KD 60/-)*
  • Infinite (Issue KD 100/- + Renewal KD 100/-)**  ( Free Issue for Premier Banking Accounts – issue charge of supplementary card is 50/-KD).
    • When the cards are used in currency transactions different from the currency of the card, 2.5% commission on foreign exchange variance will be added.
    • Over limit charge is 1% (min 2 KD) once outstanding amount exceeds the credit limit. (% on over limit amount)
    • Late charge is 1% (min 2 KD) if the due amount was not settled fully before end of month. (% on unsettled installment amount)
  • Worldwide acceptance at over 24 million outlets, Cash withdrawals in the local Currency of the country from more than 1 million ATM machines worldwide.
  • ATMs Cash advances are subject to a flat Fee of  5%  Minimum KD 2/-.
  • VISA Infinite customer have new feature to be partnership with Lounge Key which allows free access to more than 900 Airport Lounges + one guest free.
  • VISA Platinum customers can have access to 25 airport lounges across the world at GCC and  Key Destinations with LoungeKey (6 accesses per year for cardholder only; visits thereafter and all guest visits are charged at USD $27 per visit)
  • VISA Platinum cardholders do not have to buy their airplane ticket with their card to get insured.
  • VISA Infinite cardholders must buy their airplane ticket with their card to get insured