GOLD CREDIT CARD

​Are you planning your next holiday? Enjoy peace of mind while traveling with the National Bank of Oman Gold Credit Card. Our internationally recognised card offers a wide of range of benefits from 24/7 access to cash to flexible payment terms. Whether you’re checking into a hotel, renting a car or paying for tickets for a long-planned trip, our Gold Credit Card is your ultimate travel companion.

 
For more information about our rates and charges, refer to the Schedule of Charges​.

For further details about the National Bank of Oman Gold Credit Card, refer to the card General Terms & Conditions​​.

  • Revolving credit
Our powerful revolving credit facility gives you greater financial control - you can pay as little as 5% of the outstanding every month or clear the total amount. 

  • Access your cash, anytime, anywhere
With a network of over 600,000 ATMs worldwide, you always have access to 100% of your credit line*, no matter where you are in the world. For added security, the National Bank of Oman Gold Credit Card is encoded with an automatically generated personal identification number that is only known to you. 

  • Temporary credit line increase
When you need a little extra liquidity, you can count on National Bank of Oman to be there for you. Whether you’re going on holiday, celebrating a special occasion or moving home, whatever your need, with our Gold Credit Card, you can temporarily increase your credit line for three months, to give you more spending power. **

  • Limited liability
In the unfortunate case of a lost or stolen card, we’ll send a replacement card to your closest National Bank of Oman branch in Oman within two working days. What’s more, our unique limited liability coverage restricts your liability to only OMR 40 from the time you report the loss to us.

​*Cash advance limit may vary based on the country in which the card is issued.
** Credit line increase is subject to your credit rating with National Bank of Oman.​
At National Bank of Oman, we believe that banking should be made simple for everyone. Whether you’re Omani or an expatriate, you can apply for a National Bank of Oman Gold ​Credit Card. Card applications can be made:

  • Against a salary of OMR 300 and above with salary transfer to the bank. 
  • Against an interest earning deposit of OMR 350 and above depending on the requested credit limit.
  • Currency options – Omani Rial/US dollar/Pound Sterling/UAE Dirham.
  • 90% of the deposit amount will be offered as the credit limit if t​he deposit is in OMR.
  • 80% of the deposit amount will be offered as the credit limit if deposit is in any other currency.​
To complete the application process, please visit a National Bank of Oman branch near you with the documents requested below and the rest will be taken care of by your Relationship Manager at the bank.

To apply for a card against a salary of OMR 300 and above with salary transfer to the bank, required documents are:
  • Passport copy.
  • Salary certificate.
  • Salary assignment letter.
Your Relationship Manager will help you complete the following forms:
  • Account opening form.
  • Credit card application form.
  • Interest per month if 100% not paid - 1.5%.
To apply for a card against a deposit of OMR 350 and above, required documents are:
  • Passport copy.
  • A standard letter from the bank placing the deposit on lien.
  • Interest per month if 100% not paid - 1.5%.
Your Relationship Manager will help you complete the following forms:​
  • Account opening form.
  • Credit card application form.

National Bank of Oman credit cards can now be used at all your favorite stores to get 6 or 12 months installments with 0% interest on the payments.

3 easy steps:

  1. Simply shop at any of the m​erchants mentioned below for any item of RO 100 and above.

    No Merchant Name Category Location
    1Malabar GoldJewellery

    Ruwi High Street
    Lulu Salalah

    Sohar

    Avenue Mall

    Lulu Darsait
    Salaam Street Salalah

    Lulu Sohar

     

    2DamasJewellery

    Ruwi High Street
    Qurum City Center

    Muscat City Center

    Lulu Darsait

    Sohar Souk

    Avenue Mall

    Seeb Souq

    Lulu Salalah

    Al Qurum Complex

    Lulu Barka

    Lulu Al Burj

    Garden Mall Salalah

    Lulu Ibri

    Sabcoo Center

    Al Khamis Plaza

    Al Fair, Madinat Qaboos

    Salaam Street Salalah

    Tharmad

    Barka Grand Mall

    3Joy AlukkasJewellery

    Ruwi High Street

    Sohar Souq

    Muscat City Center

    Avenue Mall

    4Muscat Eye LaserEye Clinic

     

     

     

     

    AL SAROOJ STREET

    THE WAVE

     

     

     

     

    5E MaxElectronics

    Al Meera Azaiba

    Muscat City Center

    Grand Mall Barka

    Centerpoint Salalah

    Centerpoint Sohar

     

    6Home CenterHome Furnishing

    Muscat City Center

    Centerpoint Al Khuwair
    Sohar
    Salalah

    7Pan EmiratesHome FurnishingZakher Mall
    Al Hail
    8German Interior BrandHome FurnishingMadinat Sultan Qaboos
    9Travel PointTravel

    Said Plaza, Qurum

    Al Safa House, Cbd

    Al Khoud

    Lulu Darsait

    Lulu Nizwa

    10Mustafa Sultan ElectronicsElectronics 
    11Hashimani   
    12Magrabi Eye & Ear CenterClinic 
    13GM UniverseJewellery

    Ruwi High Street
    Qurum City Center

    Muscat City Center

    Lulu Darsait

    Sohar Souk

    Avenue Mall

    Seeb Souq

    Lulu Salalah

    Al Qurum Complex

    Lulu Barka

    Lulu Al Burj

    Garden Mall Salalah

    Lulu Ibri

    Sabcoo Center

    Al Khamis Plaza

    Al Fair, Madinat Qaboos

    Salaam Street Salalah

    Tharmad

    Barka Grand Mall

    14Leather & LatherCosmetics for menAvenue Mall
    15Al Hashar ElectronicsElectronics

    Bosher

    Ruwi

    Sohar

    Sur

    Ruwi Suq

    16Travel CityTravel

    Cbd

    Muscat Airport

    Salalah Airport

    Lulu, Salalah

    Lulu, Nizwa

    Lulu, Darset

    Khoudh

    17Mi StoreElectronics

    Avenue Mall

    Muscat City Center​



  2. Use your NBO credit card to make payment and ask for the installment plan (either 6 or 12 months payment plan).
  3. Fill out the form and sign the same.
Terms & conditions

The word "Card" means all credit cards issued by National Bank of Oman ("NBO") and the word "Cardmember" means the holder of a Card participating in the Easy Payment Plan or EPP (defined below). These terms and conditions will apply in conjunction with the provisions set out in the NBO Credit Cards Terms and Conditions, which prevails over any previous Terms and conditions with regards to the EPP. All expressions here will have the same meanings as set out in the NBO Card Terms and Conditions except where the context otherwise requires or where express stated to the contrary.

"EPP" means NBO Easy Payment Plan which allows the Cardmember to repay certain Card transaction(s) in monthly installments in accordance with these terms and conditions.


1. EPP is open to NBO Card member accounts ("Card Account") only.


2. Only Cardmembers with good standing or whose Card Accounts are not in default or in breach of the NBO Card Terms and Conditions or are not in over limit are eligible to apply for the EPP. The Cardmember must meet the minimum acceptance criteria determined by NBO when the cardmember applies to NBO for the EPP. (EPP will not eligible for closed a/c, deliquent card holders)


3. The Cardmember must specify in the application to NBO the individual purchase transaction ("Single Purchase") and/or multiple purchase transactions ("Multiple Purchases") (collectively, the "Purchase(s)" and reference to a Purchase is either or a combination of them, as the case may be), which the Cardmember wishes to convert under the EPP ("EPP Amount"). Only Purchase(s) that fulfill these terms and conditions can be converted under the EPP. The EPP does not apply to cash and cash based transactions.


4. The minimum amount eligible for conversion under the EPP is RO100.


5. A Purchase can only be converted under the EPP if the Purchase has been debited to the Card Account but have not been recorded in the current statement of account forming part of the outstanding Current Balance due at the point of the conversion into the EPP Amount under the EPP.


6. The Cardmember must in the application choose a period of time for the payment of the Purchase(s) ("EPP Tenure") under EPP. During the EPP Tenure, the EPP Amount in aggregate must be paid by way of equal monthly installments, "EPP Monthly Installment"). The Cardmember is not at liberty to change the EPP Tenure and/or the EPP Monthly Installment.


7. The approval or otherwise of the cardmember's application will be subject to, among others:-

    1. the status of the Cardmember's Card Account;
    2. the status of the transaction at the point of conversion; and
    3. the discretion of NBO as it deems fit in any case. 


8. Subject always to Clause 6 above, the EPP Monthly Installment will be billed to the Cardmember's Card Account commencing on the immediate next statement of account date following NBO's approval of the Cardmember's application. 


9. In the event of any delay or failure to pay any EPP Monthly Installment in full on or before the Payment Due Date specified in the Cardmember's statement of account ("installment default payment event"), such charge as is applicable to the Ordinary Transactions in accordance with the NBO Card Terms and Conditions ("Finance Charge") will apply to the EPP Monthly Installment amount to which is outstanding. Despite so and in addition to the above, in the event of three (3) or more consecutive installment default payment events, all monies due and owing under the EPP, comprising of the total outstanding EPP Monthly Installment and the total unbilled principal of the EPP, together with the applicable Finance Charge and balance of all other monies due and owing under the EPP will be due and payable by the Cardmember.


10. Subject to NBO's approval, the Cardmember may at any time cancel his participation in the EPP or elect for early settlement of the EPP Amount by calling NBO Call centre.


11. Without prejudice to any of the clauses or provisions of these Terms and Conditions, if the Cardmember is in breach of any provisions of the NBO Card Terms and Conditions or these terms and conditions or in the event of cancellation of the Card or termination of the Card Account or the Card Account whether voluntarily or involuntarily closed for whatever reason, all monies due and owing under the EPP, comprising of the total outstanding EPP Installment and the total unbilled principal of the EPP together with the applicable Finance Charge and balance of other monies owing under the EPP will immediately become due and payable by the Cardmember and NBO may as it deems fit, charge it to the Card Account where the NBO Card Terms and Conditions will apply to all the said installments or balance remaining, without prejudice to the rights and remedies of NBO under the NBO Card Terms and Conditions.


12. The normal Finance Charge mentioned in the Cards Terms and Conditions is chargeable if the EPP Monthly Installment is not received by NBO in full on or before the Payment Due Date specified in the statement of account. Any unpaid EPP Monthly Installment outstanding on the Payment Due Date specified in the statement of account may be capitalized on each Payment Due Date and subject to the applicable finance charges until full repayment of the outstanding amounts. Therefore and in accordance with the NBO Card Terms and Conditions in the event the amount stated in any monthly statement of account to be the Specified Minimum Payment is not received in full, the applicable finance charges shall be levied on the unpaid balance which may include the EPP Monthly Installment or part of it in accordance with the NBO Card Terms and Conditions.


13. The EPP Monthly Installment forms part of the Cardmember's Specified Minimum Payment as defined in the NBO Card Terms and Conditions stated as due in the Cardmember's statement of account.


14. The Cardmember can apply for more than once for EPP so long as the Cardmember qualifies for the EPP in accordance with these terms and conditions.


15. The EPP is valid only up to the EPP Tenure opted by the customer. For the avoidance of any doubt:

    • Nothing contained here will be construed as an obligation on NBO to extend the EPP;
    • NBO reserves the right to, as it deems fit, vary or change these terms and Conditions from time to time with prior notice by way of posting on NBO Online found at www.NBO.om ("Website"), or in any other manner deemed suitable by NBO. The Cardmembers agree that their participation in the EPP will be considered to be their acceptance of these terms and conditions (which may be varied or changed). 

16.  All matters of disputes are subject to the final decision of NBO. 


17.  NBO reserves the right to describe any of the expressions contained here in a different manner in the statement of account and such descriptions in the statement of account will not be construed against NBO as having a different meaning stated here.


The card member who is filling the EPP application during the period from 22nd to 25th of every month – need to note that their transaction may not be converted to EPP as it is the statement cut off period and hence the transaction would be billed.  If the cardmember's repayment mode is 100% then it may not be converted into EPP or else if the repayment mode is 5%, the card member's transaction will be converted into EPP. ​

National Bank of Oman credit cards can now be used at all your favorite stores to get 6 or 12 months installments with 0% interest on the payments.

3 easy steps:

  1. Simply shop at any of the merchants mentioned below for any item of RO 100 and above.
    • E MAX
    • Damas
    • German Interior Brand
    • Home Centre
    • Joy Alukkas Jewellers
    • Malabar Gold
    • Muscat Eye Laser
    • Mustafa Sultan Electronics
    • Ooredoo
    • Pan Emirates Furniture
    • Sharaf DG
    • Travel City LLC
    • Travel Point LLC
  2. Use your NBO credit card to make payment and ask for the installment plan (either 6 or 12 months payment plan).
  3. Fill out the form and sign the same.
​Terms & conditions

The word "Card" means all credit cards issued by National Bank of Oman ("NBO") and the word "Cardmember" means the holder of a Card participating in the Easy Payment Plan or EPP (defined below). These terms and conditions will apply in conjunction with the provisions set out in the NBO Credit Cards Terms and Conditions, which prevails over any previous Terms and conditions with regards to the EPP. All expressions here will have the same meanings as set out in the NBO Card Terms and Conditions except where the context otherwise requires or where express stated to the contrary.

"EPP" means NBO Easy Payment Plan which allows the Cardmember to repay certain Card transaction(s) in monthly installments in accordance with these terms and conditions.


1. EPP is open to NBO Card member accounts ("Card Account") only.


2. Only Cardmembers with good standing or whose Card Accounts are not in default or in breach of the NBO Card Terms and Conditions or are not in over limit are eligible to apply for the EPP. The Cardmember must meet the minimum acceptance criteria determined by NBO when the cardmember applies to NBO for the EPP. (EPP will not eligible for closed a/c, deliquent card holders)


3. The Cardmember must specify in the application to NBO the individual purchase transaction ("Single Purchase") and/or multiple purchase transactions ("Multiple Purchases") (collectively, the "Purchase(s)" and reference to a Purchase is either or a combination of them, as the case may be), which the Cardmember wishes to convert under the EPP ("EPP Amount"). Only Purchase(s) that fulfill these terms and conditions can be converted under the EPP. The EPP does not apply to cash and cash based transactions.


4. The minimum amount eligible for conversion under the EPP is RO100.


5. A Purchase can only be converted under the EPP if the Purchase has been debited to the Card Account but have not been recorded in the current statement of account forming part of the outstanding Current Balance due at the point of the conversion into the EPP Amount under the EPP.


6. The Cardmember must in the application choose a period of time for the payment of the Purchase(s) ("EPP Tenure") under EPP. During the EPP Tenure, the EPP Amount in aggregate must be paid by way of equal monthly installments, "EPP Monthly Installment"). The Cardmember is not at liberty to change the EPP Tenure and/or the EPP Monthly Installment.


7. The approval or otherwise of the cardmember's application will be subject to, among others:-

    1. the status of the Cardmember's Card Account;
    2. the status of the transaction at the point of conversion; and
    3. the discretion of NBO as it deems fit in any case. 


8. Subject always to Clause 6 above, the EPP Monthly Installment will be billed to the Cardmember's Card Account commencing on the immediate next statement of account date following NBO's approval of the Cardmember's application. 


9. In the event of any delay or failure to pay any EPP Monthly Installment in full on or before the Payment Due Date specified in the Cardmember's statement of account ("installment default payment event"), such charge as is applicable to the Ordinary Transactions in accordance with the NBO Card Terms and Conditions ("Finance Charge") will apply to the EPP Monthly Installment amount to which is outstanding. Despite so and in addition to the above, in the event of three (3) or more consecutive installment default payment events, all monies due and owing under the EPP, comprising of the total outstanding EPP Monthly Installment and the total unbilled principal of the EPP, together with the applicable Finance Charge and balance of all other monies due and owing under the EPP will be due and payable by the Cardmember.


10. Subject to NBO's approval, the Cardmember may at any time cancel his participation in the EPP or elect for early settlement of the EPP Amount by calling NBO Call centre.


11. Without prejudice to any of the clauses or provisions of these Terms and Conditions, if the Cardmember is in breach of any provisions of the NBO Card Terms and Conditions or these terms and conditions or in the event of cancellation of the Card or termination of the Card Account or the Card Account whether voluntarily or involuntarily closed for whatever reason, all monies due and owing under the EPP, comprising of the total outstanding EPP Installment and the total unbilled principal of the EPP together with the applicable Finance Charge and balance of other monies owing under the EPP will immediately become due and payable by the Cardmember and NBO may as it deems fit, charge it to the Card Account where the NBO Card Terms and Conditions will apply to all the said installments or balance remaining, without prejudice to the rights and remedies of NBO under the NBO Card Terms and Conditions.


12. The normal Finance Charge mentioned in the Cards Terms and Conditions is chargeable if the EPP Monthly Installment is not received by NBO in full on or before the Payment Due Date specified in the statement of account. Any unpaid EPP Monthly Installment outstanding on the Payment Due Date specified in the statement of account may be capitalized on each Payment Due Date and subject to the applicable finance charges until full repayment of the outstanding amounts. Therefore and in accordance with the NBO Card Terms and Conditions in the event the amount stated in any monthly statement of account to be the Specified Minimum Payment is not received in full, the applicable finance charges shall be levied on the unpaid balance which may include the EPP Monthly Installment or part of it in accordance with the NBO Card Terms and Conditions.


13. The EPP Monthly Installment forms part of the Cardmember's Specified Minimum Payment as defined in the NBO Card Terms and Conditions stated as due in the Cardmember's statement of account.


14. The Cardmember can apply for more than once for EPP so long as the Cardmember qualifies for the EPP in accordance with these terms and conditions.


15. The EPP is valid only up to the EPP Tenure opted by the customer. For the avoidance of any doubt:

    • Nothing contained here will be construed as an obligation on NBO to extend the EPP;
    • NBO reserves the right to, as it deems fit, vary or change these terms and Conditions from time to time with prior notice by way of posting on NBO Online found at www.NBO.om ("Website"), or in any other manner deemed suitable by NBO. The Cardmembers agree that their participation in the EPP will be considered to be their acceptance of these terms and conditions (which may be varied or changed). 

16.  All matters of disputes are subject to the final decision of NBO. 


17.  NBO reserves the right to describe any of the expressions contained here in a different manner in the statement of account and such descriptions in the statement of account will not be construed against NBO as having a different meaning stated here.


The card member who is filling the EPP application during the period from 22nd to 25th of every month – need to note that their transaction may not be converted to EPP as it is the statement cut off period and hence the transaction would be billed.  If the cardmember's repayment mode is 100% then it may not be converted into EPP or else if the repayment mode is 5%, the card member's transaction will be converted into EPP. ​​

NBO Nuqati Points is Oman's first and only reward program that earns you Nuqati points for just any banking you do. The more you bank with NBO, the more Nuqati points you earn. Click here to see how to earn Nuqati Points.

1. ​Where can I use my National Bank of Oman Credit Card?

​​Your National Bank of Oman Credit Card can be used anywhere in Oman and internationally, for purchase of goods and services at establishments that display the logo featured on your credit card (eg: Switch, Visa Electron, MasterCard, etc). This includes hotels, restaurants, travel agents, stores and much more.​​


2. Is there any charge on using my credit card at merchant establishments?

​No, there is no charge for using your National Bank of Oman Credit Card at merchant establishments. Merchants cannot ask you to pay more than the bill amount for using your credit card.​​


3. Is there any fee for withdrawing cash?

​Yes, every time you draw cash, a cash advance fee of 3% of the amount withdrawn - subject to a minimum of OMR 2,500 per transaction - will be charged to your account. You will receive the full amount withdrawn from the ATM. This cash withdrawal fee will be debited from your account immediately and will appear on your credit card statement.​​


4. Why am I unable to withdraw cash on some occasions?

​​Your cash advance is limited to 100% of your credit limit. If you have already used this limit, further cash advances are not possible until you repay the amount.​


5. How is the balance determined?

​​The total outstanding balance appears as the ‘current balance’ on your credit card statement. To determine the ‘current balance’, we add any purchases and cash advances, and subtract payments or credits from the ‘previous balance’. We then add appropriate finance charges and fees.​


6. How much should I repay every month?

​You need to repay the ‘minimum payment due’, which is equivalent to 5% of the ‘current balance’, and any amounts that are past due or are in excess of your credit limit. However, you have the option to pay any amount above the required minimum amount. If this amount is less than OMR 5 then the ‘minimum amount due’ appearing on your statement will be the ‘current balance’.​




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