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Eligibility

Minimum Salary (in OMR)

Maximum Card Limit (in OMR)

Validity

Annual Fees (in OMR)

Supplementary Cards Annual Fees (in OMR)

Interest Rate

Cash Advance Fee

Acceptance

Offers

Security

Credit Period

Supplementary Cards for Family

Lost/Stolen Card Protection

Zero Lost Card Liability

Card Replacement (Lost & Stolen) (in OMR)

Limit Enhancement / Change (in OMR)

Reward Points - Domestic Spend

Reward Points - International Spend

Credit Cards

Enjoy more freedom & greater rewards

Recognized and accepted worldwide
Up to 52 days interest-free credit period
Reward points on all purchase transactions (except E-Com & Corporate card)
Cash advance facility at millions of ATMs worldwide (except E-Com card)
Internet shopping via secure OTP authentication
Supplementary cards for family members
24/7 ATM Cash Advance up to 100% of credit limit (except E-Com card)

Whatever your lifestyle, BankDhofar has a Credit Card designed to fit your needs — from the ultra-premium Mastercard World Elite and MasterCard World, to the exclusivity of Master Card Platinum, the special benefits of MasterCard Gold, and the utility of MasterCard Standard — all earning you rewards every time you spend, or simply the convenience of the MasterCard E-Com for safe and easy online shopping.

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World MasterCard

Experience a World of Exceptional Privileges with World MasterCard

MasterCard Platinum

Elevate Your Lifestyle with MasterCard Platinum

MasterCard Gold

Experience the Finer Things in Life with MasterCard Gold

MasterCard E-com

Shop Online with Confidence using MasterCard E-com

Mastercard World Elite

Ideal companion for the world traveller

Frequently Asked Question

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You may apply for a BankDhofar Credit Card if you are an Omani national or a resident of Oman aged between 18 and 60 years, with a minimum monthly salary of OMR 250 (Omani) or OMR 500 (expatriate).

Minimum Salary per month:

Mastercard World- OMR 3,000
Mastercard World Elite - OMR 3,000
Mastercard Platinum- OMR 1,000

Minimum Card Limit:

Mastercard World - OMR 5,000
Mastercard World Elite - OMR 5,000
Mastercard Platinum - OMR 1,000

The applicant’s employer must be in the bank’s Approved List, or the applicant can place a fixed deposit of 90% of card limit.

For more information, please visit any BankDhofar Branch or call us anytime 24x7 on 24791111.

Application form
Salary certificate
Bank Statement
Copy of valid Resident ID and passport or visa (expatriate)
End-of-service benefit statement (expatriate)

Click here to open

The date of the card statement is the 3rd of every month. For instance, if you made a credit card purchase on 5/1/2025 for the amount of OMR 200, then calculation of the grace period is as follows:

Date of purchase: 5/1/2025
Date of receiving the second settlement: 4/2/2025 (30 days)
Date of payment: 24/2/2025 (20 days)

Total Grace Period: 30 + 20 days = 50 days

Annual Fee - Primary Card:

Visa Infinite: OMR 50
World Mastercard: OMR 50
Platinum Mastercard: OMR 30
Visa Gold & Mastercard Gold & Visa Ladies: OMR 20
E-Com Mastercard: OMR 12

Annual Fee - Supplementary Card

Visa Infinite Card: OMR 25
World Mastercard: OMR 25
Platinum Mastercard: OMR 15
Visa Gold & Mastercard Gold & Visa Ladies: OMR 10

Interest Rate: 1.5 % per month
Cash Advance Fee: 3% or OMR 5, whichever is higher
Card Replacement (Lost / Stolen): OMR 20 (OMR 5 for E-Com card)
Limit Enhancement / Change: OMR 10
Monthly Payment Due / Installment Percentage Change: OMR 2
Over Limit Fee: OMR 5
Late Payment Fee: OMR 10
PIN Re-Issue Fee: OMR 5
Temporary Limit Increase: OMR 5
Credit Card Funds Transfer: 3% or OMR 5, whichever is higher
Foreign Exchange Mark-Up Fee: Up to 2.5% (For International Transactions)
Minimum Amount Due: 3% or OMR 10, whichever is higher
Validity for all BankDhofar Card validity is 5 years

Your BankDhofar Credit Card is designed with several layers of protection, but there are good user guidelines that you can follow to ensure you stay secure while enjoying all of your card’s many benefits.

Do not keep your PIN number together with your card.
Do not write your PIN number on the card, or disclose it to anyone for any reason.
Do not leave your card, wallet or bag unattended.
Retain copies of all sales, ATM and withdrawal slips for statement verification.
Ensure your card is returned after every use, and check that the card returned is yours.
Update BankDhofar immediately of any change in mailing / delivery address or phone number. Please remember, failure to notify constitutes material breach of the terms of cards insurance.