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REWARDS PROGRAM

NBO Reward Program is Oman’s first and only reward program that earns you points for just doing your day to day banking. Reward Program points can be earned across a wide range of products and services such as spends on Cards, increase in Deposits, online transactions, and many more. Reward Program brings you a bouquet of rewards and redemption offers that you and your loved ones can enjoy. 

Login to Internet Banking or Mobile Banking to view and redeem your points.

 

During your day-to-day life you will be able to earn NBO Reward Program points conveniently and hassle free on all NBO's products and services. Whether it be, using your credit card or just logging into our mobile banking application. The NBO Reward Program comes equipped with a host of benefits and privileges, making it your ideal companion in your financial life. 

The simple table below shows how simple it is to earn points with your day-to-day banking needs. Start earning today!​
*Below table is effective from 10 September 2025.

 Conditions
​​Internet and Mobile Banking 
​Registration into NBO Internet or Mobile Banking
​100 points
Valid for the registration done either in mobile or internet banking, whichever is earlier
​Credit Cards ​ ​ ​
Visa GoldLocal TransactionEach OMR 1 earns 2 points

On Utility Bill Payments each OMR 1 earns 1 point


Only on spend amount greater than or equal to OMR 1, excluding the following Merchant Categories:

  • Government
  • Tax Payments
  • Education
  • Fuel
  • Parking
  • Rental
  • Taxi
  • Transport
  • Charity transactions
  • All fees & charges
  • Cash ​withdrawal​
  • Fund Transfer
  • Financial Services / Wallet
  • Crypto
  • Insurance / Brokers
  • Rental / Real Estate
​International TransactionEach OMR 1 earns 2 points
Visa Platinum, Signature & InfiniteLocal TransactionEach OMR 1 earns 4 points

On Utility Bill Payments each OMR 1 earns 2 points

​

Only on spend amount greater than or equal to OMR 1, excluding the following Merchant Categories:

Government

  • Tax Payments
  • Education
  • Fuel
  • Parking
  • Rental
  • Taxi
  • Transport
  • Charity transactions
  • All fees & charges
  • Cash withdrawal
  • Fund Transfer
  • Financial Services / Wallet
  • Crypto
  • Insurance / Brokers
  • Rental / Real Estate
​ ​
​International Transaction
Each OMR 1 earns 4 points
​EU TransactionEach OMR 1 earns 2 points
Debit Cards​​​

Visa Classic

Not Applicable

Visa Platinum, Signature & InfiniteLocal SpendsNot Applicable

Only on spend amount, excluding the following:

all fees & charges
all government and charity transactions and cash withdrawal

​International SpendsEach OMR 1 earns 2 points​
Badeel Prepaid Cards​​​
Badeel Visa TravelLocal SpendsNot Applicable

Points are given to NBO customers only

Only on spend amount, excluding the following:
all fees & charges
all government and charity transactions and cash withdrawal

​

 

International Spends

 

Each OMR 1 earns 2 points​
Banking Products from NBOTake another product from NBO100 pointsApplicable from third product onwards.
​Welcome Points 
​ ​​
Become a Sadara customer3000 points 
Become a Mazaya customer2000 pointsNew to bank or upgrade
Become a Youth customer500 points 


Note: All points have a validity of 2 years


You can redeem your Reward points online making it convenient and simple. Point redemption can be for yourself or anyone, against the following:

  • Bill payments via Mobile Banking/ Internet Banking.
  1. Mobile phone bills and top up (Omantel, Ooredoo, Freindi, Vodafone and Awasr).
  2. NBO Credit cards (Gold, Platinum, Signature and Infinite) payment.
  3. Utility payments.
  • Merchandise available at online Reward store via Mobile Banking/ Internet Banking.

    After redemption on online Reward store, you will receive a confirmation e-mail with your redemption details. If you do not receive this e-mail, please call the Call Center on 24770000.
  • Purchasing at partner shops via NBO payment terminals (Point of Sale machine).
  • Points transfer to other loyalty programs via Mobile Banking:
  1. Shukran 
  • Badeel (travel pre-paid card) top up via Mobile Banking.

Login to Mobile Banking or Internet Banking to view and redeem your points.

Q1: What is Reward Program?

A: It's a loyalty program that rewards customers for using the bank's products and services, for example, using your card, increasing deposits and salary transfer, etc.                                    These points can then be redeemed to do shopping, pay your bills and online shopping, etc. please refer to the above section for details (how to redeem rewards program points).

 

Q2: How do I sign-up to the program?

A: Simply log on to NBO Internet banking or Mobile Banking. Click on the Reward Program tab on the home screen once you are logged in you will be a member of the Reward Program . You start earning points as soon as you sign up.

 

Q3: How do I earn points?

A: Points earned by availing yourself of various banking services such as using your Credit/Debit cards. Prepaid travel card can be used for NBO customers to earn points. You can also earn points by increasing deposits, transferring your salary, and buy additional products.

 

Q4: How do I redeem my points?

A: You can redeem Reward points via various channels: Internet Banking, Mobile Banking and at partner shops

  • For Internet Banking click on “Accounts" tab, then you can view the points and redeem them against utility bills, mobile top up, credit card, and rewards shop.
  • For Mobile Banking log in to the mobile application click on “Rewards" tab on the home screen then choose your redemption option.
  • For partner shops you can redeem your rewards through NBO payment terminals.

Q5: Are there any fees or cost associated with being a member of Reward Program?

A: The program is free of charge

 Q6: For how long my Reward Program points are valid?

A: All points have a validity of 2 years

Q7: Can I redeem my points for the benefit of anyone I choose?

A: Yes. For Example (pay a postpaid mobile bill for someone else's Mobile number)

Q8: What is the minimum redemption threshold?

A: Minimum redemption is set at 4000 Reward Points. This applies to credit card payments. And, minimum of 2000 Reward Points is set for utility bill payments.

Q9: Can I redeem my points against part payment?

A: Part payments are allowed.

Q10: Can I amend my redemptions?

A: No, redemption once successful cannot be amended.

Q11: Can I cancel my redemptions?

A: Cancellations can be made at any time, but the associated points will not be refunded.

Q12: How can I earn points?

A: You can refer to (How to earn) section on Reward Program page using the following link:

 https://www.nbo.om/en/Pages/Personal-Banking/Solutions/Nuqati-Reward.aspx

Q13: What can I do with my accrued points?

A: You can redeem your points online using NBO Mobile Banking or Internet Banking. Also, you can redeem your points using NBO terminals enabled with Reward Program

Q14: What is the maxiumum Rewards I can earn per transaction?

A: A maximum cap of 20,000 Rewards per transaction will apply across all card categories. ​​​

Reward Program Rewards Shop - FAQs

Q1: How does Reward Program Shop ordering work?

A: While browsing through the Reward Program Rewards Shop, you can view all your favorite products. Products displayed on the Reward Program Reward shop depend on the delivery destination selected. For visitors, the default delivery destination is Switzerland; hence please login to see rewards offered in your delivery country. After you have added your selected items to the "Basket", click on the "Checkout button" to adjust quantities, to select your preferred points-plus-cash combination or to modify your products/items selection. After finalizing the payment details, click the "Buy now button" to submit your order.

 

Q2: How can I check the status of my Reward Program Reward shop orders?

A: You can check the status of all your orders under "My Transactions" tab of your Reward shop account. Once logged in, click on "My Profile" and then "My Rewards" where you will find "My transactions" tab.

Q3: What is the shipping policy for my order?

A: Due to the variety of rewards, the shipping policy and terms may differ from reward to reward. Please check the specific policies under "Merchant Details" for the respective partner and the "Rules & Restrictions" for each specific reward. Please note that the delivery of certain products may involve custom, VAT or other charges, depending upon the shipping destination and the custom authorities of the destination country. Members might have to pay these charges to receive the delivery.​

Q4: Can I cancel or return a reward order?

A: Generally, reward orders cannot be cancelled after the submission of your order, however, please note that return policies may vary between reward merchants and that reward-specific terms & conditions may apply. In case of questions, please contact the respective merchant at the number stated in your order confirmation. In case reward cancellations are possible, please always contact the merchant directly to cancel the order. Only in this case your points will be retransferred to your Reward Program account. Additionally, please be advised that voucher orders/redemptions cannot be cancelled once placed and are not replaceable if lost, stolen, destroyed or expired.

Q5: How does credit card payment work on Reward Program shop?

A: For all "points & cash" orders on the Reward Program shop you can pay with Visa and MasterCard. We use3-D Secure Services (i.e. verified by Visa, MasterCard Secure Code) from our Wire card payment gateway to process your online payment. For millions of people around the world, 3-D Secure is the way to pay - trusted and secure. However, minimum points need to be used to process the "points& cash" orders.

 

Q6: In which currencies can I pay my rewards?

A: All "points & cash" orders are processed exclusively in CHF [Schweitzer Franken], EUR [Euro], GBP [United Kingdom Pounds], AED [United Arab Emirates Dirhams], USD [United States Dollars] or INR [Indian Rupee] and your credit card will be charged accordingly. For your convenience, you can set a display currency on the Reward Program shop which will make the purchase price for all rewards appear in your preferred currency, calculated at the current applicable currency exchange rate (for information purposes only).

 

Q7. Can I pay part of the payment using my account/card and part from my Reward Program points?

A. While using Reward Store, you have the option to split the payment between using your Reward Program points and debiting your account/card. However, minimum points need to be used to process the "points& cash" orders.

 

Q8: Why can the points or retail price of a particular reward vary?

A: Retail and points prices for rewards offered on the Reward Program shop may vary according to the selected delivery destination. All reward prices are calculated on a daily basis and depend on respective currency exchange rates (provided by www.xe.com.

 

Q9. Can we redeem our points to buy Online Gift Voucher?

A. Yes, this option is available with selected partners. For example, Baby shop, Steve Madden, Shoexpress, Max.

 

Q10. How can I receive an order confirmation for the Gift Voucher?

A. You will receive an order confirmation email and then you can download the voucher code from the option "My account" as follows: after login to NBO mobile app, click on Reward Program you will be landed on nuqati.nbo.om, then click on the three lines on the top left of the page. Then click on My Account and download the voucher.​​


Terms & conditions
  • Fair use policy / penalties: 
    • NBO has the sole right to exclude and/or disqualify any member from participating in the NBO Rewards Program at any given time for any reasons whatsoever without giving any prior notification to such Cardholder. Any excluded/disqualified member from the Program shall not, under any circumstances, be compensated by the Bank any event whatsoever. 
    • NBO reserves the right to disqualify anyone from participating in the Rewards Program, refuse to award or redeem points, and terminate the relationship if, in its sole and absolute judgment, the Customer violated any of the terms and conditions applicable to the Rewards Program, including but not limited to unfair use of the program, default of payment or fraud.
    • NBO reserves the right, at its absolute discretion, to amend and/or supplement these terms and conditions at any time, with prior notification of any changes that have material consequences on the Reward Program
    • NBO has the right in its sole and absolute discretion to forfeit all or part of the earnings of points by the Customer, stop the accumulation of any points, terminate the Customer’s membership in the NBO Rewards Program, change the value of conversion from Reward Program points to Omani Riyal and/or immediately cancel any reward redemption requests by the Customer. All decisions in this regard will be deemed final and binding.

Accruals – Others

Any transactions processed on merchant category – Government, Charity, financial & Non-financial institutions, Dating and escort services, betting, civic, fraternal, social associations, and political organizations are excluded from Reward Program points accruals.




Effective from 10 September 2025, Zero NBO Rewards will be given on the below merchants:

  1. Education
  2. Fuel
  3. Parking
  4. Car rental
  5. Taxi
  6. Transport
  7. Fund Transfer
  8. Financial Services / Wallet
  9. Crypto
  10. Insurance / Brokers
  11. Rental / Real Estate

Effective from 23rd June 2024, On Utility Bill Payments NBO Credit Card holders will earn NBO Rewards as per following table

NBO Credit Card TypeNBO Rewards per OMR 1 Spent
Infinite Credit Card2
Signature Credit Card2
Platinum Credit Card2
Gold Credit Card1​

*The new rate will be effective from 23rd June 2024.



Points Expiry​


All points have a validity of 2 years



Privacy Policy

At National Bank of Oman, we appreciate the trust you place in us as your financial services partner. To preserve that trust, The Bank wants to make sure you understand what personal information we collect about you and how The Bank uses it. You have the ability to opt out of any marketing communication lists or to specify your preferred channel of communication for any notifications The Bank may send regarding latest offers and promotions.

To give you access to the broad range of financial products and services provided by National Bank of Oman, your information is managed and maintained using technology. The Bank understands the sensitive nature of your personal information as well as the need to safeguard it. In the interest of safety and transparency, The Bank has put together a Privacy Policy that explains what types of information The Bank collects and the circumstances under which The Bank might share it.

Collecting Customer Information

National Bank of Oman collects only information about you that is relevant and is needed to establish and maintain your account and related services as the law allows or requires. For this purpose, The Bank may collect personal and financial information about you that is "non-public." Non-public personal information is information about you that The Bank obtains in order to provide a financial product or service to you. The information The Bank collects depends on the National Bank of Oman accounts and services you request and use. The Bank collects information about you from the following sources:

Application Information

The Bank stores the personal information you provide in any application you submit for any National Bank of Oman product or service. This includes but is not limited to information such as name, postal and e-mail addresses, phone numbers, employment and financial status, and credit history.

Your Transactions

Every time you make a transaction on one of your accounts, including ATM or card transactions, loan advances, transactions through Internet Banking, over the phone or at a branch, The Bank retains the information. The transaction information includes your account number, date, amount, location of the transaction and any other pertinent information.

Online

The Bank obtains information online when you visit our website www.nbo.co.om. This includes retaining information you provide to The Bank on any online application, Internet banking transaction or
information you send via e-mail.

Sharing Information with Third-Party Service Providers

In order for us to conduct our operations, including servicing your account or processing your transactions, we may need to share information with our service providers from time to time. This includes data processing companies, cheque / ATM / other payment processing companies, payment networks, loan service providers, insurance companies, collection agencies, credit reporting agencies and financial service providers with whom we have joint marketing agreements. These service providers act on our behalf and have agreed in writing to keep the customer information we provide to them confidential.

Sharing Information as Legally Required or Permitted

We may share your customer information in response to a lawful request issued by -

a court
a regulatory authority
or as permitted by law
The Bank may also share your information in response to a request made by a merchant or business necessary to effect, administer or enforce a transaction that you had requested or authorized in connection with the servicing or processing of a financial product or service, or to maintain or service your account with us.

Protecting Information

Our Confidentiality and Security Safeguards

The Bank maintain strict policies and security controls to ensure that all the customer information stored in our servers is protected. The Bank’s employees and contractors are only permitted access to customer information that they may need to perform their jobs and to provide services to you. All employees and contractors are required to respect customer privacy. No one except The Bank’s employees and contractors have access to the Bank’s computer system and records storage. The Bank has established internal security controls, including physical, electronic and procedural safeguards to protect the information you provide and the information The Bank collects about you. The Bank will continue to review internal security controls to ensure that your customer information is always safeguarded.

Information Integrity Measures

National Bank of Oman works hard to ensure that the customer information maintained is complete and accurate. The Bank has procedures and processes for updating customer information as well as removing old, outdated information. To protect the integrity of customer information, The Bank has measures in place, such as maintaining back-up copies of account data in the event of power outages or other business interruptions. The Bank uses computer virus detection and eradication software and employs other technical means (known as "firewalls") to protect against unauthorized computer entry into systems containing customer information.

Online Privacy Protection

From The Bank’s website (www.nbo.co.om), you may apply for accounts and services, and you may communicate with us via e-mail. To protect the information you provide to The Bank online, The Bank uses multiple levels of security. When you log onto The Bank’s website, you will only be able to successfully access it if your computer has an up-to-date browser (i.e., Internet Explorer, FireFox, Mozilla, Netscape, etc) that operates at a high level of data encryption (128 bit). This ensures that there is an adequate level of security for online activity. Please note that if you are required to supply information other than your name, address, e-mail address and phone number, you will be required to do so using The Bank’s secure, encrypted email facility, which is available on The Bank’s website. The Bank’s firewalls protect National Bank of Oman’s systems, only permitting access to authorized users. The Bank’s servers’ security standards and policies are certified by Thawte, one of the world’s most prominent technology security rganizations (click here for more details). Only registered users will have access to National Bank of Oman Internet Banking by using their password. Additional security measures are in place to effect funds transfer requests through Internet Banking.

Cookies

National Bank of Oman does not use cookies with visitors to The Bank’s general website. However, The Bank does use cookies with customers who sign up for Internet Banking services. This is done to customize the experience of National Bank of Oman’s Internet Banking customers, and to make access more pleasant and convenient. The cookie generated once you sign in to our Internet Banking portal expires as soon as you log out (or at a pre-defined time), and to protect your privacy The Bank does not store any sensitive information such as customer information in the cookie. To find out more information about cookies, please visit www.microsoft.com/info/cookies.mspx.

Keeping Up-To-Date With Our Privacy Policy

In order to keep you up-to-date with our Privacy Policy, The Bank will send you our Privacy Policy annually (by post or email), as long as you maintain an ongoing relationship with The Bank. The Bank reserves the right to amend the Privacy Policy at any time, and will inform you of changes as required by law. You can always review our current Privacy Policy on our website at: www.nbo.co.om

Privacy Policy Inquiries

If you have any questions or concerns about our privacy practices, please write to us at ask@nbo.co.om or visit us at National Bank of Oman in Aludhaybah North,Muscat, Sultanate of Oman.

Making Sure Information is Accurate

Keeping your account information accurate and up-to-date is very important. If you ever find that your account information is incomplete, inaccurate or not current, please sign onto National Bank of Oman Internet Banking to update your information. Alternatively, contact our Customer Care Center at 80077000.

Marketing preference – your choice

At National Bank of Oman, we respect your choices; The Bank asks that you select your preferred channel of communication for marketing updates that might be sent to you on a periodic basis. Your choices include the following:

Receive marketing communications through any channel (Snail mail, Email, SMS, Tele-calling)
Receive marketing communications through SMS and email only
Receive marketing communications through SMS only
Receive marketing communications through email only
Communicate only through Relationship Manager (Applicable to Sadara customers only)
Opt out of all marketing communications*

*Customers may still receive marketing information with account statements posted to them. The opt-out does not affect this.

If you have opted for marketing via SMS banking, as part of our Customer Contact Rule The Bank shall restrict the time for dispatch of messages from 8am to 7pm.

DISCLAIMER

National Bank of Oman ("NBO"), established in the Sultanate of Oman under the Laws of the Sultanate of Oman. Has its registered office in Aludhaybah North, Bousher, Muscat, Sultanate of Oman, and is licensed to provide all manner of banking services.

The information on this site is provided for general reference purposes only. Whilst every effort is made to ensure that the site is up to date and accurate, the National Bank of Oman does not warrant, nor does it accept any responsibility or liability for, the accuracy or completeness of the content or for any loss which may arise from reliance on information contained in this site.​
By accessing the National Bank of Oman website and any pages thereof, or National Bank of Oman’s online services, you agree to be bound by the terms and conditions below. You are required to abide by the following terms for access to this website. By accessing the site or the online services you indicate your acknowledgement and acceptances of these terms and conditions.
The contents of this website include, but are not limited to, the information, material, advice, suggestions, illustrations notifications, circulars etc. are the property of National Bank of Oman and are protected by copyright. National Bank of Oman reserves all copyright, trademark, patent, intellectual and other property rights over the information contained in this site. Any unauthorized use or reproduction of the information, materials and proprietary rights contained within the National Bank of Oman site is strictly prohibited. The information and materials on this site and the terms, conditions and descriptions that appear are subject to change without notice.
Any information or material submitted to National Bank of Oman, via this site or via Internet electronic mail, is deemed to be the property of National Bank of Oman. Except as agreed in terms of customer relationship with National Bank of Oman or as otherwise specifically agreed or required by law, National Bank of Oman may use it for any purpose it deems necessary, including without limitation, the
copying, transmission, distribution and publication thereof.
Not all products or services described on the site are available in all geographical areas. You may not be eligible for all the products and services described. Eligibility for products and services will be at the
discretion of National Bank of Oman and subject to applicable criteria and terms and conditions of the bank.
The information contained in this website has been carefully obtained and analyzed by National Bank of Oman. Our best efforts are made to include accurate and up-to-date information on the site, but
we make no warranties or representations as to the accuracy, adequacy or completeness of the information. The information on this website is provided for general information only and should not be
used as a basis for making business decisions.
National Bank of Oman accepts no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from use of this
site, howsoever arising and including any loss, damage or expense arising from, but not limited to, any defect, error, imperfection, fault, mistake or inaccuracy with this site, its contents or associated
services, or due to any unavailability of the site or any part thereof or any contents or associated services.
National Bank of Oman neither assumes nor accepts liability for any loss or damage (whether direct or indirect), howsoever caused, as a result of any computer viruses, which may infect a user’s computer
equipment arising from the use of this site.
National Bank of Oman shall not be obliged to provide the service on the website or any part of it at all times or during any particular hours and may withdraw, suspend or restrict the service at its sole
discretion.
Any hyperlinks within this site are for the purpose of information and are for your convenience and not analyzed or investigated by National Bank of Oman. National Bank of Oman’s inclusion of these
hyperlinks does not imply any endorsement of the material on any such site.
National Bank of Oman does not accept any responsibility or liability for enabling you to link to another website, or the contents of any other site, whether one from which you may have been linked or to
which you may link from the website, or any consequences of acting upon the contents of another website.

Category
Brand Name
Dining

Casual Dining:

  • McDonalds
  • Subway
  • 55 Coffee

     

    Fine Dining:
  • The Steak Company
  • B+F Roadside
  • Paul- Muscat Grand Mall

And many more.

Hotels
  • The St Regis Resort
  • Intercon. Hotel
  • The Chedi

And many more.

Gaming & Entertainment
  • Fun zone
  • Trampo Oman
  • Marah Land

And many more.

Perfumes/ Cosmetics / Beauty Spa
  • Dkhoon Alemiratia
  • Modern Memory LLC
  • ZO Skin Centre

And many more.

  
Hospital / Clinic / Pharmacy
  • Al Raffa Hospital
  • Shifa Hospital
  • Al Hayat Int Hospital

And many more.

Retail Fashion
  • Azadea Group (Bershka, Pull & Bear, Oysho)
  • Mehdi Stores
  • Al Obaidani Stores

And many more.

Supermarkets
  • Nesto Hypermarket
  • Al Meera Hypermarket
  • Spar

And many more.

Depertment Store
  • Qabael Discount Center
  • Mark And Save
  • Emirates Flower Mkt

And many more.

Home Furnishing
  • Danube Home
  • Home Centre
  • Arina Home

And many more.

Education
  • Indian School (All Branches)
  • Beaconhouse School
  • Bangladesh School

And many more.

Petrol
  • Oman Oil
  • Al Maha

 

Jewelry
  • Damas
  • Joy Alukkas
  • Malabar Gold

And many more.

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