The referral program will end on 31st December 2025.

1. The referral program is open only to existing customers of Al Rifaa Privilege Banking.
2. The reward amount per valid referral is OMR 20 to the referrer. The referrer can earn upto OMR 500 for 25 valid referrals per quarter.
3. A valid referral is one where the person referred opens an account with BankDhofar & meets any one of the eligibility criteria of Al Rifaa Privilege Banking:
   • Salary credit of OMR 700
   • Savings deposit of OMR 10,000
   • Fixed deposit of OMR 50,000
4. The referred customer should continue to meet the eligibility criteria of Al Rifaa Privilege Banking at the end of 3 months from the date of first meeting the eligibility criteria.
5. The program will be valid till the collection of 2000 valid referrals.
6. Any account closed and reopened during the program period will not be eligible for the reward.
7. Any change to the terms & conditions or the program itself is at the sole discretion of the bank without notice to anyone involved.
8. BankDhofar staff is not eligible to participate in the program either as referrers of referees.
9. Upon their account opening and meeting the criteria, money will be credited within 90 days.