Last updated: June 23, 2026 · Credit cards compared: 15 · Data source: Official bank product pages
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
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Looking for the best credit card in Oman in 2026? We compared 15 credit cards from top banks in Oman to help you find the right one for your needs, income, and lifestyle.
This guide covers fees, interest rates, eligibility, rewards, and key benefits for every option. All data is sourced from official bank product pages and updated as of June 23, 2026. Every option is from a bank regulated by Central Bank of Oman (CBO).
Quick Comparison: All 15 Credit cards in Oman
Side-by-side comparison of every credit card option in Oman as of June 23, 2026. Tap any name for full details.
| Credit card | Bank | Rate / Eligibility | Top Features | Apply |
|---|---|---|---|---|
| 1. Platinum Credit Card | Alizz Islamic Bank | 1.75% per month | Travel Benefits, Hotel Discounts & Offers, Chip/Pin,… | View → |
| 2. Titanium Credit Card. | Alizz Islamic Bank | 1.75% per month | Shopping Discounts, Lounge Access, Hotel Discounts &… | View → |
| 3. MasterCard E-com | Bank Dhofar | 1.50% per month | Shopping Discounts, Global Acceptance, Chip/Pin, Sup… | View → |
| 4. MasterCard Gold | Bank Dhofar | 1.50% per month | Shopping Discounts, Dinning Benefits, Purchase Prote… | View → |
| 5. MasterCard Platinum | Bank Dhofar | 1.50% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 6. Visa Gold | Bank Dhofar | 1.50% per month | Shopping Discounts, Dinning Benefits, Entertainment … | View → |
| 7. Visa Infinite | Bank Dhofar | 1.50% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 8. World MasterCard | Bank Dhofar | 1.50% per month | Shopping Discounts, Dinning Benefits, Purchase Prote… | View → |
| 9. Al Jawhar Visa Platinum Credit | Bank Muscat | 1.75% per month | Travel Benefits, Lounge Access, Hotel Discounts & Of… | View → |
| 10. Al Jawhar Visa Platinum Credit | Bank Muscat | 1.75% per month | Chip/Pin, Supplementary Cards, Interest Free Days | View → |
| 11. Asalah Visa Signature Credit | Bank Muscat | 1.75% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 12. Asalah Visa Signature Credit | Bank Muscat | 1.75% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 13. Oman Air Visa Platinum Credit | Bank Muscat | 1.75% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 14. Oman Air Visa Platinum Credit | Bank Muscat | 1.75% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 15. Platinum Mastercard Credit | Bank Muscat | 1.75% per month | Travel Benefits, Lounge Access, Entertainment Benefi… | View → |
Top 15 Credit Cards in Oman (2026)
1. Platinum Credit Card
Bank: Alizz Islamic Bank
- Interest Rate: 1.75% per month
- Salary/Eligibility: Not Required
- Benefits: Travel Benefits, Hotel Discounts & Offers, Chip/Pin, Supplementary Cards, Interest Free Days
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.
2. Titanium Credit Card.
Bank: Alizz Islamic Bank
- Interest Rate: 1.75% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Lounge Access, Hotel Discounts & Offers, Chip/Pin, Supplementary Cards, Interest Free Days
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.
3. MasterCard E-com
Bank: Bank Dhofar
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Interest Free Days: 47
- Benefits: Shopping Discounts, Global Acceptance, Chip/Pin, Supplementary Cards, Internet Banking
The Bank Dhofar Mastercard E-com is designed specifically for safe and secure online shopping with the lowest risk. Enjoy the convenience of e-commerce transactions with advanced security features and
4. MasterCard Gold
Bank: Bank Dhofar
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Rewards: Reward points on all purchase transactions
- Interest Free Days: 47
- Benefits: Shopping Discounts, Dinning Benefits, Purchase Protection, Chip/Pin, Supplementary Cards, Internet Banking
The Bank Dhofar Mastercard Gold earns 0.75% value back on international purchases and 0.5% on local Oman spends. Enjoy 6 complimentary visits to 22+ regional airport lounges and 3 lounge visits within
5. MasterCard Platinum
Bank: Bank Dhofar
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Entertainment Benefits, Hotel Discounts & Offers, Chip/Pin
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 Trav
6. Visa Gold
Bank: Bank Dhofar
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Dinning Benefits, Entertainment Benefits, Hotel Discounts & Offers, Chip/Pin, 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
7. Visa Infinite
Bank: Bank Dhofar
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Entertainment Benefits, Hotel Discounts & Offers
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 gift
8. World MasterCard
Bank: Bank Dhofar
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Dinning Benefits, Purchase Protection, Entertainment Benefits, Hotel Discounts & Offers, Chip/Pin
The Bank Dhofar World Mastercard earns 1.5% value back on international purchases and 1% locally in Oman. Enjoy 12 complimentary visits to 1,200+ airport lounges worldwide, free valet parking at Mall
9. Al Jawhar Visa Platinum Credit
Bank: Bank Muscat
- Interest Rate: 1.75% per month
- Salary/Eligibility: Not Required
- Cashback: 1% Cashback
- Benefits: Travel Benefits, Lounge Access, Hotel Discounts & Offers, Global Acceptance, Chip/Pin, Supplementary Cards
Bank Muscat Al Jawhar Visa Platinum Credit Card is the perfect reward for your active business and personal life. Recognised across the world, and complementing your unique lifestyle, the card offers
10. Al Jawhar Visa Platinum Credit
Bank: Bank Muscat
- Interest Rate: 1.75% per month
- Salary/Eligibility: Not Required
- Cashback: 1% Cashback
- Benefits: Chip/Pin, Supplementary Cards, Interest Free Days
The Bank Muscat Al Jawhar Visa Platinum offers best-in-class complimentary travel insurance covering lost baggage, cancellation, delays, personal liability and legal expenses. Access 25 premium airpor
11. Asalah Visa Signature Credit
Bank: Bank Muscat
- Interest Rate: 1.75% per month
- Salary/Eligibility: Not Required
- Cashback: 1% cashback on all purchases
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Hotel Discounts & Offers, Global Acceptance, Chip/Pin
Welcome to the elite world of Bank Muscat Asalah Visa Signature Credit Card designed exclusively for Asalah Priority banking customers.
12. Asalah Visa Signature Credit
Bank: Bank Muscat
- Interest Rate: 1.75% per month
- Salary/Eligibility: Not Required
- Cashback: 1% cashback on all purchases
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Hotel Discounts & Offers, Chip/Pin, Supplementary Cards
The Bank Muscat Asalah Visa Signature offers 1% cashback on all purchases, 12 complimentary visits to 1,000+ airport lounges worldwide, and free multi-trip travel insurance. Enjoy a global concierge s
13. Oman Air Visa Platinum Credit
Bank: Bank Muscat
- Interest Rate: 1.75% per month
- Salary/Eligibility: Not Required
- Cashback: Visa Money Back (Cash Back): Enjoy 50% cashback up to USD 2.5 per month with your Bank Muscat Visa Platinum credit card on online entertainment subscriptions
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Hotel Discounts & Offers, Global Acceptance, Chip/Pin
Bank Muscat has partnered with Oman’s national carrier - Oman Air, to offer you a Credit Card that will help you make the best out of your travels.
14. Oman Air Visa Platinum Credit
Bank: Bank Muscat
- Interest Rate: 1.75% per month
- Salary/Eligibility: Not Required
- Cashback: Visa Money Back (Cash Back): Enjoy 50% cashback up to USD 2.5 per month with your Bank Muscat Visa Platinum credit card on online entertainment subscriptions
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Entertainment Benefits, Lifestyle Privileges, Chip/Pin
The Bank Muscat Oman Air Visa Platinum earns 2 Sindbad Miles for every OMR 1 spent with welcome bonus Sindbad miles on first use. Enjoy complimentary visits to 25 airport lounges worldwide and free ch
15. Platinum Mastercard Credit
Bank: Bank Muscat
- Interest Rate: 1.75% per month
- Salary/Eligibility: Not Required
- Interest Free Days: 52
- Benefits: Travel Benefits, Lounge Access, Entertainment Benefits, Hotel Discounts & Offers, Global Acceptance, Chip/Pin
The Bank Muscat MasterCard Platinum credit card has been designed to suit your unique financial and lifestyle needs as a professional and a true world citizen.
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 — all products listed are from banks regulated by Central Bank of Oman (CBO)
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 all 15 options on this page.
What credit score do I need for a credit card in Oman?
Most banks in Oman require a clean credit history with no defaults in the last 5 years. Premium products typically require higher monthly income. Each bank publishes its own minimum on the product page.
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?
Yes — all 15 options listed are from banks regulated by Central Bank of Oman (CBO). Consumer disputes can be escalated to the regulator if a bank does not resolve the issue.
What are the typical fees in Oman?
Fees vary by tier and bank: classic cards typically OMR 0–1,500/year, gold OMR 1,500–3,000, platinum OMR 3,000–10,000. Many banks waive the first year. Always check the product page for the exact fee schedule.
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 (typically OMR 500–2,000), 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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