Last updated: August 2, 2026 · Credit cards compared: 15 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a credit card in Oman in 2026? We hold verified data on 26 credit cards in Oman and show the top 15 here. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in Oman. It is the set Buzdy has verified data for, from 7 issuers, as of August 2, 2026.
Quick Comparison: 15 Credit Cards in Oman
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. MasterCard Platinum | Bank Dhofar | Not published | 18% per month | Airport lounge, Rewards points, Travel benefits, Dining offers | View → |
| 2. World Credit Card | Bank Nizwa | Not published | 18% per month | Airport lounge, Travel benefits, Dining offers, Shopping offers | View → |
| 3. VISA INFINITE CREDIT CARD | National Bank of Oman | Not published | 21% per month | Airport lounge, Cashback, Rewards points, Travel benefits | View → |
| 4. Classic Credit Card | Oman Arab Bank | Not published | 18% per month | Rewards points, Travel benefits, Dining offers, Shopping offers | View → |
| 5. Platinum Credit Card | Alizz Islamic Bank | Not published | 21% per month | Airport lounge, Travel benefits, Shopping offers, Hotel offers | View → |
| 6. Visa Corporate Credit Card | Sohar International Bank | Not published | 18% per month | Shopping offers, Supplementary cards, Sharia compliant | View → |
| 7. Visa Classic Credit Card | Bank Muscat | Not published | 21% per month | Rewards points, Supplementary cards | View → |
| 8. Visa Gold | Bank Dhofar | Not published | 18% per month | Airport lounge, Rewards points, Dining offers, Shopping offers | View → |
| 9. Platinum Credit Card | Bank Nizwa | Not published | 18% per month | Airport lounge, Travel benefits, Dining offers, Shopping offers | View → |
| 10. VISA PLATINUM CREDIT CARD | National Bank of Oman | Not published | 21% per month | Airport lounge, Rewards points, Travel benefits, Hotel offers | View → |
| 11. Elite/Infinite Credit Card | Oman Arab Bank | Not published | 21% per month | Airport lounge, Rewards points, Travel benefits, Supplementary cards | View → |
| 12. Titanium Credit Card. | Alizz Islamic Bank | Not published | 21% per month | Airport lounge, Shopping offers, Hotel offers, Supplementary cards | View → |
| 13. SME Credit Card | Sohar International Bank | Not published | 12% per year | Supplementary cards, Sharia compliant | View → |
| 14. Visa Infinite | Bank Dhofar | Not published | 18% per month | Airport lounge, Travel benefits, Dining offers, Shopping offers | View → |
| 15. Titanium Credit Card | Bank Nizwa | Not published | 18% per month | Travel benefits, Shopping offers, Entertainment, Hotel offers | View → |
The 15 Credit Cards in Detail
1. MasterCard Platinum
Bank: Bank Dhofar
- Annual fee: Not published
- Interest rate: 18% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Dining offers, Shopping offers, Entertainment, Hotel offers, Supplementary cards
The Bank Dhofar Mastercard Platinum earns 1% value back on international purchases and 0.75% on local Oman spends. Enjoy 6 complimentary visits to 20+ international airport lounges via Mastercard Travel Pass, premium lifestyle benefits, and flexible payment options. A premium card combining generous rewards with tra...
2. World Credit Card
Bank: Bank Nizwa
- Annual fee: Not published
- Interest rate: 18% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Shopping offers, Entertainment, Hotel offers, Supplementary cards, Sharia compliant
We at Bank Nizwa are proud to present the widest range of Sharia compliant credit cards in Oman: Basic, Standard, Gold and Platinum. Each packed with a vast range of privileges and offers that suit your needs and aspirations.
3. VISA INFINITE CREDIT CARD
Bank: National Bank of Oman
- Annual fee: Not published
- Interest rate: 21% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Rewards points, Travel benefits, Dining offers, Entertainment, Hotel offers, Supplementary cards
Enjoy the power and privilege of a Visa Infinite credit card from the National Bank of Oman. Benefit from unparalleled spending power and convenience every step of the way.
4. Classic Credit Card
Bank: Oman Arab Bank
- Annual fee: Not published
- Interest rate: 18% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Travel benefits, Dining offers, Shopping offers, Supplementary cards
Be it traveling, shopping or dining, Visa Classic cards are accepted at tens of millions of locations around the world, so you can use them for almost anything you want. Visa lets you access cash from 1.9 million ATMs in more than 200 countries and territories worldwide.
5. Platinum Credit Card
Bank: Alizz Islamic Bank
- Annual fee: Not published
- Interest rate: 21% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Shopping offers, Hotel offers, Supplementary cards
We at Alizz Islamic Bank are proud to present you with a world of exclusive privileges, rewards and experiences with the Alizz Islamic Bank Platinum Credit Card.
6. Visa Corporate Credit Card
Bank: Sohar International Bank
- Annual fee: Not published
- Interest rate: 18% per month
- Minimum income: Not published
- Verified benefits: Shopping offers, Supplementary cards, Sharia compliant
Sohar International Corporate Credit Card is a first-of-its-kind facility to be introduced in Oman and across the GCC.
7. Visa Classic Credit Card
Bank: Bank Muscat
- Annual fee: Not published
- Interest rate: 21% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Supplementary cards
The Bank Muscat Visa Classic offers worldwide acceptance at millions of locations in 200+ countries with up to 52 days interest-free credit. Enjoy free travel insurance on ticket purchases, 24-hour ATM cash advance up to 100% of credit limit, supplementary cards for family from age 13, and Visa deals on dining, shop...
8. Visa Gold
Bank: Bank Dhofar
- Annual fee: Not published
- Interest rate: 18% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Dining offers, Shopping offers, Entertainment, Hotel offers, Supplementary cards
The Bank Dhofar Visa Gold offers complimentary access to PrimeClass lounge at Muscat International Airport and Khareef Lounge at Salalah Airport. Enjoy a 12% discount on global hotel bookings, 15% off at 100+ IHG Hotels across Middle East and Africa, and rewards on every purchase. A reliable card for travelers seeki...
9. Platinum Credit Card
Bank: Bank Nizwa
- Annual fee: Not published
- Interest rate: 18% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Shopping offers, Hotel offers, Supplementary cards, Sharia compliant
We at Bank Nizwa are proud to present the widest range of Sharia compliant credit cards in Oman: Basic, Standard, Gold and Platinum. Each packed with a vast range of privileges and offers that suit your needs and aspirations.
10. VISA PLATINUM CREDIT CARD
Bank: National Bank of Oman
- Annual fee: Not published
- Interest rate: 21% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Hotel offers, Supplementary cards
Visa Platinum lets you enjoy a host of attractive lifestyle privileges and experiences including airport lounge access.
11. Elite/Infinite Credit Card
Bank: Oman Arab Bank
- Annual fee: Not published
- Interest rate: 21% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Supplementary cards
OAB Elite Visa Infinite card is quite simply in a class of its own. Offering incredible spending power and exceptionally high levels of service, it’s renowned and respected wherever it’s seen. The OAB infinite card introduces you to a world of exclusive privileges and to a Concierge Service at your disposal 24 hours...
12. Titanium Credit Card.
Bank: Alizz Islamic Bank
- Annual fee: Not published
- Interest rate: 21% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Shopping offers, Hotel offers, Supplementary cards
We at Alizz Islamic Bank are proud to present you with a world of exclusive privileges, rewards and experiences with the Alizz Islamic Bank Titanium Credit Card.
13. SME Credit Card
Bank: Sohar International Bank
- Annual fee: Not published
- Interest rate: 12% per year
- Minimum income: Not published
- Verified benefits: Supplementary cards, Sharia compliant
Experience ease of transactions and take control of your day-to-day business expenses with SME Credit Card.
14. Visa Infinite
Bank: Bank Dhofar
- Annual fee: Not published
- Interest rate: 18% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Shopping offers, Entertainment, Hotel offers, Supplementary cards
The Bank Dhofar Visa Infinite offers a USD 20,000 minimum credit limit with unlimited access to 1,300+ airport lounges for you and a guest worldwide. Enjoy a 24/7 concierge for travel, dining and gifts, buyer protection insurance, extended warranty up to 1 year, and up to 50% off attractions via BookingBash. The ult...
15. Titanium Credit Card
Bank: Bank Nizwa
- Annual fee: Not published
- Interest rate: 18% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Shopping offers, Entertainment, Hotel offers, Supplementary cards, Sharia compliant
We at Bank Nizwa are proud to present the widest range of Sharia compliant credit cards in Oman: Basic, Standard, Gold and Platinum. Each packed with a vast range of privileges and offers that suit your needs and aspirations.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in Oman
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — check the issuer's licence on the Central Bank of Oman (CBO) public register before you apply
Frequently Asked Questions: Credit cards in Oman
What is the best credit card in Oman for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 15 products in this guide above.
What credit score do I need for a credit card in Oman?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 15 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.
Can I apply online for a credit card in Oman?
Yes, most major banks in Oman now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Retail banking in Oman is supervised by Central Bank of Oman (CBO). Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
Can I get a credit card if I am self-employed in Oman?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Oman
- All banks in Oman
- Bank branches across Oman
- Credit Cards In Oman 2026
- Personal Loans In Oman 2026
- Savings Accounts In Oman 2026
- Oman EMI calculator
- Oman savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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