Financial Products

National Bank of Oman

Personal Loan

National Bank of Oman's conventional personal loan for customers aged 18 to 60, open to Omani nationals with a minimum salary of RO 300, new expatriates with a minimum salary of RO 500 and existing expatriate customers with a minimum salary of RO 300; salary assignment letter required. Tenures up to 120 months for Omanis and 60 months for expatriates, with loan take-over from other banks, top-up loans, credit life insurance and instalment deferment twice a year. Fees (incl. VAT): processing RO 26.250; pre-payment 1.05% of the prepaid amount; top-up RO 5.250; overdue payment 1.05%; insurance processing 0.05% (min RO 5.250, max RO 78.750).

Ahli Bank

Credit Card

Q36089

Ahli Bank's conventional Platinum credit card, free in the first year (OMR 31.500 from the second year onwards for the primary card, OMR 15.750 for supplementary), with 18% p.a. interest for salary-assigned customers (20% p.a. otherwise), a cash advance fee of 3.15% (minimum OMR 5.250), and a 2.5% foreign transaction fee.

Annual fee

31.5 OMR

Purchase APR

18%

FX / foreign transaction fee

2.5%

Alizz Islamic Bank

Credit Card

Alizz Islamic Bank's Sharia-compliant Platinum credit card, with an annual fee of OMR 34.650 (monthly fee OMR 13.650, waived for Tharwa customers), a cash withdrawal fee of OMR 3.150 (own ATM) or OMR 3.675 (other banks), and a late-payment charge structured as a Sharia-compliant charitable donation of OMR 10.000 rather than an interest-based penalty.

Annual fee

34.65 OMR

Bank Nizwa

Credit Card

Bank Nizwa's Sharia-compliant Platinum Mastercard credit card, based on Qard Hassan (profit-free credit). Maximum credit limit OMR 10,000 (2x salary). Annual subscription fee OMR 50 and monthly subscription fee OMR 35 (monthly fee not applicable if the full outstanding amount is settled on the due date). Includes airport lounge access via DragonPass/Mastercard Travel Pass (6 visits per year, unlocked by at least USD 1 of international spend every 3 months), Takaful travel cover and Priceless Arabia offers. 2.5% fee on transactions processed outside Oman; OMR 3 cash withdrawal fee.

Annual fee

50 OMR

FX / foreign transaction fee

2.5%