KFH World Elite Credit Card

KFH Bahrain's top-tier Sharia-compliant World Elite Mastercard credit card. Annual membership fee BHD 50 + 10% VAT (BD 55), with a waiver for qualified Premium/Private banking customers; minimum monthly income BHD 2,500. Pearl Rewards: 4 points per BHD on foreign currency, 3.5 on hotel and flight bookings, 2 on local spend. Free unlimited access to 1,500+ airport lounges for primary and supplementary cardholders plus one guest each, and 24/7 VIP lifestyle concierge. Profit rate 2.99% per month (35.88% annual profit rate). Cash withdrawal fee 4% or BD 4.4, whichever is higher; international POS/e-commerce surcharge 3.30%. Supplementary cards are lifetime free. Apple Pay and BenefitPay supported; balance transfer at 0% profit over 6 instalments (BD 5 + VAT fee).