Monthly Ujrah fee
Annual fee
Minimum Salary
Loyalty Points
Extended warranty for purchases
Please call +97143611234 for more.
Premium insurance benefits
Purchase protection for stolen or damaged goods purchased.
Please call +97143611234 for more.
Global Emergency assistance
Incase of lost and stolen card, Visa may be able to send a replacement card and provide emergency cash.
Call this number from any country in case of emergency: +13039671090
Free Airport Lounge Access
Travel Assistance
Free access to a wide range of medical & legal advice.
Please call +971 (4) 2536024 for assistance
Global ATM Network
Accepted at over 1.9 million ATMs worldwide
Annual Fees | |
---|---|
Primary Card | Free |
First Supplementary Card | Free |
Second Supplementary Card | RO 15/- |
Card Replacement Fee | RO 10/- |
Card cancellation | Free |
Duplicate Statement Fee | RO 5/- |
Foreign Transaction Fee | 2.5% of Transaction Amount |
Pin Reissuance Fee | RO 5/- |
Cash Withdrawal Fee | RO 3/- |
Max Cash Withdrawal Limit | 90% of Card Limit |
Min Amount Due | 5% or RO 10/- whichever is higher |
Late Payment Fee | 1% on overdue amount |
Receipt copy request | RO 10/- |
Duplicate Statement Fee | RO 5/- |
Over limit Fee | RO 5/- |
“Agreement” means these Terms and Conditions and any amendments thereto.
“Annual Subscription Fee” means an annual fee to be charged by Bank in respect of each Card to be notified by Bank from time to time.
“Bank” means Sohar Islamic, Islamic banking window of Sohar International Bank S.A.O.G and its successors and assigns.
“Card” means the credit card issued to a Cardholder by the Bank.
“Card Account” means the account maintained by the Bank for debiting all Card Transactions entered into by the Cardholder together with fees, and other Card Charges.
“Cardholder” means the Principal Cardholder and the Supplementary Cardholder(s).
“Card Charges” means any fees and commission payable by a Cardholder to the Bank in respect of a Card as set out in the Schedule of Fees and Commission and notified by the Bank to the Cardholder from time to time, including, without limitations, the amount incurred by the Cardholder on each Card Transaction, service charges, late payment fees, Overlimit Fees, Cash advance Charges, subscription, renewal fees and replacement fees.
“Card Services” means the Division of the Bank’s Head Office having overall responsibility for the administration of the Card related services.
“Card Transaction” means the transaction(s) carried out or entered into by the Cardholder using the Card for payment(s) in respect of any goods and services bought or availed of and/ or for availing Cash Advance.
“Cash Advance” means the cash withdrawn by the Cardholder using the Card.
“Cash Advance Charge” means the charges which the Bank is entitled to charge on the cash withdrawn by Cardholder from time to time using the Card as set out in Schedule of Fees and Commissions.
“Chargeback” means the reversal of a Card Transaction which is successfully disputed by the Cardholder.
“Credit Limit” “Qardh Hasan Limit” means the aggregate amount determined and assigned by the Bank in its sole discretion, up to which the Cardholder will be permitted to enter into Card Transactions.
“Finance Charge” means the charges which the Bank is entitled to charge in the event of Cardholder’s failure to keep sufficient clear funds in other account for payment of Card Charges in accordance with the standing instruction or for honouring the cheque issued by Cardholder for payment of Card Charges.
“Internet transaction” means transaction performed on internet or on any other of the “Card-not-present” environment(s)
“Merchant” means any corporate entity, person or other establishment supplying Shari’a compliant goods and/or services who accepts the Card or the Card number as a mode of payment or reservation by the Cardholder.
“Minimum Payment” means the minimum amount that the Cardholder is required to pay to the Card Services or the Bank’s branch at which the Card Account is maintained on or before the Payment Due Date pursuant to clause 5 of this Agreement.
“Monthly Subscription Fee” or “Ujrah Fee” means a fixed amount, as determined and notified by the Bank from time to time, charged to the Cardholder every month for using the Card services as per the Cardholder’s respective card type.
“Overlimit Fee” means a fee charged by the Bank and debited to the Card Account for Card Transactions, which exceed the Card Limit. Such fee shall be as set out in the Schedule of Fees and Commissions.
“Payment Due Date” means the date by which the Principal Cardholder must make payment of Card Charges as stated in the Statement of Account or in any event pay the Minimum Payment.
“PIN” means the Personal Identification Number issued to the Cardholder for use in conjunction with the Card as and when required.
“Principal Cardholder” means the customer of the Bank in whose name the Card Account is maintained and who shall at all times remain liable for all amounts debited to the Card Account.
“Schedule of Fees and Commissions” means schedule containing fees, or commission as set out in Schedule 1 forming part of this Agreement as amended, modified or varied by the Bank and notified by the Bank to the Cardholder from time to time availing the Card facility.
“Shari’a Board” means the Shari’a Supervisory Board of the Bank.
“Supplementary Card” means card(s) issued by the Bank to any person(s) at the request of Principal Cardholder.
“Supplementary Cardholder” means a person nominated by the Principal Cardholder to whom a Supplementary Card has been issued pursuant to clause 3 of this Agreement.
“Statement of Account” means the monthly statement of account provided by the Bank in relation to the Card Account.
“Statement Date” means the date on which the Statement of Account is produced.
“Takaful” means the Islamic insurance services.
“Tariff Book” or “Schedule of Fees and Commissions” means the Bank’s schedule of charges against offered services which may change from time to time.
The Card shall, at all times, remain the property of the Bank. At the request of the Bank the Cardholder shall immediately return to the Bank or to any other person authorized by the Bank all or any Cards issued for use by a Cardholder.
The Takaful policy is underwritten by a licensed Takaful provider in Oman, and the Takaful coverage that the Takaful policy provides is at all times subject to the policy/terms and conditions of the Takaful contract issued by the insurer/Takaful provider. The Bank shall not be responsible for insurer’s actions or decisions nor shall the Bank be liable regarding payment of claims or services under the Policy.
The Customer irrevocably and unconditionally authorizes Sohar Islamic to access all his Credit Card Account/s for using the SMS Services and to share the Credit Card Account information with any third parties for the purpose of executing such SMS Services.
If, for any reason, the Cardholder fails to comply with these Terms and Conditions, the Bank is compelled to commence legal proceedings against the Cardholder. The Cardholder shall be responsible for the discharge of all legal cost, charges, fees and expenses incurred by the Bank in such legal proceedings.
The Cardholder authorizes the Bank to disclose information concerning the Cardholder or the Card Account to such persons as the Bank deems appropriate, necessary or desirable in connection with the services to be provided by the Bank and/or the enforcement of any of the Bank’s rights and/or the performance of any obligations of the Bank in respect of the Card Account or as may otherwise be required in accordance with the applicable laws.
You may apply for a Sohar Islamic Credit Card if you are an Omani national or a resident of Oman aged between 18 and 60 years, The minimum monthly salary of each credit card as per below:
When the customer pays the amount within grace period.
By:
To activate your new Credit Card:
Yes, you may withdraw cash up to 90% of your credit card limit.
The minimum monthly payment 5% or RO 10/- whichever is higher
The late payment charges on the card is levied when the cardholder fails to pay at least the minimum amount’ due by the due date, and also the late payment fees shall not exceed 1% of the overdue amount, and the amount of charged it should be to transfer to charity.
Yes, OMR 3/- for each transaction used by ATM
No, needs to visit the branch to request
You can request statement through the branch or via mobile banking App
Log in to mobile banking of Sohar Islamic, then go to cards and press on credit card, after that will show you credit card available balance
Your Sohar Islamic Credit Card can be used anywhere in Oman and worldwide, for purchase of goods and services, in all shops and establishments that display the Visa Card® logo. These include hotels, restaurants, travel agent and much more.
No, there is no charge for using your Sohar Islamic Credit Card at any merchant establishment in Oman as well as outside of Oman. Merchants shouldn’t ask you to pay additional fees for using your credit card.