NBO Nuqati is Oman’s first and only reward program that earns you Nuqati points for just doing your day to day banking. Nuqati points can be earned across a wide range of products and services such as spends on Cards, increase in Deposits, online transactions, Loans, and many more. Nuqati program brings you a bouquet of rewards and redemption offers that you and your loved ones can enjoy. Sign up today and get 500 bonus reward points.

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 Nuqati points conveniently and hassle free on all of NBO’s products and services. Whether it be, using your credit card, taking a personal loan or just logging into our mobile banking application. The NBO Nuqati 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!

CategoryHow to EarnPoints EarnedTerms and Conditions
Membership to NuqatiRegistration to the Nuqati program500 pointsOne time only
Gold and Titanium Credit Card  Local SpendsEach OMR 1 earns 0.5 pointsOnly on spend amount, excluding all fees & charges
International SpendsEach OMR1 earns 0.75 points
Platinum and Infinite Credit Card  Local SpendsEach OMR 1 earns 1 point
International SpendsEach OMR 1 earns 1.5 points

Debit Card 
Local SpendsEach OMR 10 earns 1 point
International SpendsEach OMR 1 earns 1 point

Badeel Prepaid Card 
Local SpendsEach OMR 10 earns 1 pointPoints are given to NBO customers only
International SpendsEach OMR 1 earns 1 point 

First time salary transfer750 pointsOne time only
Salary should be OMR 500 or greater



Current account depositEach OMR 100 earns 6 pointsBased on increase in net balance compared to previous month average balance
Savings account depositEach OMR 100 earns 6 pointsBased on increase in net balance compared to previous month average balance
Al Amaal account depositEach OMR 100 earns 6 pointsBased on increase in net balance compared to previous month average balance
Al Kanz account depositEach OMR 100 earns 9 pointsBased on increase in net balance compared to previous month average balance
Internet and Mobile Banking 
Registration into NBO Internet or Mobile Banking100 pointsValid for the registration done either in mobile or internet banking, whichever is earlier

​Local Transfer through Internet or Mobile Banking
​Each transfer earns 25 points
No commercial usage allowed.

Terms and conditions apply.
International Transfer through Internet or Mobile BankingEach transfer earns 50 points​No commercial usage allowed.

Terms and conditions apply.

Mobile Bill Payment through Internet or Mobile Banking1st month payment earns total of 10 points on all bills paid.

2nd consecutive month payment earns total of 15 points on all bills paid.

3rd consecutive month payment earns total of 20 points on all bills paid.

All bills payments after that earn total of 10 points on all bills paid per month.
​No commercial usage allowed. 

Terms and conditions apply.

Mobile Top Up through Internet or Mobile BankingEach OMR 1 earns 1 point​No commercial usage allowed. 

Terms and conditions apply.

Scan & Pay Earn 100 points on your 1st QR payment

One time only

Valid until 30th June 2021

​Scan & Pay

Each OMR 1 spent earns 1 point using QR paymentTerms & Conditions apply
Banking Products from NBOTake another product from NBO100 pointsApplicable from third product onwards.
Welcome Points  Become a Sadara customer3000 pointsNew to bank or upgrade
Become a Mazaya customer2000 pointsNew to bank or upgrade
Become a Youth customer1000 pointsNew to bank or upgrade

All points have a validity of 3 years.

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

  • Mobile Phone Bills and Top Up
  • Credit Card Bills
  • Electricity and Water Bills
  • Purchase of Flight Tickets from 900 Airlines
  • Making a hotel Booking with over 200,000 Hotels
  • Car rental from over 150,000 cars worldwide
  • Purchasing at partner shops

Click here to redeem. 

Q: What is Nuqati? 
A: It’s a loyalty program that rewards customers for using the bank’s products and services, for example taking loans, using your card, increasing deposits and using internet & mobile banking. These points can then be redeemed to do shopping, pay your bills or book for your travel. 

Q: How do I sign-up to the program? 
A: Simply log on to NBO Internet banking or Mobile Banking. Click on the Nuqati tab on the home screen once you are logged in and you will be a member of the Nuqati program. You start earning points as soon as you sign up. 

Q: How do I earn points? 
A: Points are earned by availing yourself of various banking services such as using your Credit/ Debit Card, taking Loans, increasing Deposits, transferring your Salary, and transacting through Mobile or Internet Banking. 

Q: How do I redeem my points? 
A: First you need to login to your internet banking or mobile banking, Click on the Nuqati tab redeem link and follow the screen’s instructions. After redemption you will receive an email to confirm your redemption details. If you do not receive this email within 30 minutes you should call the call center on 80077077.

Q: Is there any fees or cost associated with being a member of Nuqati program? 
A: No

Q: How long is my Nuqati membership valid for? 
A: It’s valid as long as you are an NBO customer.

Q: Can I redeem my points for the benefit of anyone I choose? 
A: Yes.

Q: Can I redeem my points against part payment for flights, hotel bookings, etc.? 
A: Part payments are only allowed against credit card and utility bills payments.

Q: Can I amend my redemptions? 
A: In certain cases this is possible by clicking the ‘Manage Bookings’ button on the website. However amendments to credit card or utility bill payments are not allowed.

Q: Can I cancel my redemptions? 
A: Cancellations can be made at any time but the associated points will not be refunded.

Q: How can I earn points? 
A: You can refer to the earn page on Nuqati portal.

Q: What can I do with my accrued points? 
A: You can redeem your points for Flights, Hotels, Car rentals, Credit Card Payment and Utility Payment on Nuqati Portal and NBO Online (Mobile Banking and Internet Banking)

Q: Can more than 2 adults stay in one room? 
A: Most hotels allow additional guests to stay in a room for an extra charge as long as the room doesn’t exceed the maximum number of guests allowed per room. If you book a room that cannot accommodate your group, the hotel may cancel your reservation or require that you book additional rooms. If you have doubts, check directly with your hotel for their extra guest charges and the maximum number of people allowed in the room you’ve booked.

Q: Will our Children get free stay? 
A: When making your booking, select the number of children traveling with you from the ‘Children’ drop–down box. If you select just 1 child, our search will give you the price of a double room with child, not including an extra bed. If you want an extra bed in the room, you need to increase the number of passengers in your search.

Q: How do I know if my Booking with Hotel was successful? 
A: We will send you an SMS and an Email confirmation with a Hotel Confirmation Voucher.

Q: Do I need to confirm my Booking with the Hotel? 
A: No, you don’t. You can also contact the hotel directly if you prefer. However, it may take up to 12 hours for the booking to reflect at the hotel.

Q: What is the Check-In Time? 
A: Typically, the hotel check–in time is after 2:00 pm (local hotel time). Check with your specific hotel for its exact check–in time.

Q: Will Hotel hold my Booking is I am arriving late? 
A: Since your reservation is guaranteed with Prepaid Voucher, the hotel is obliged to hold your room until 7 AM, the day after your planned arrival date.

Q: What is the cancellation fee for Hotel rooms’ cancellation? 
A: the cancellation charges are levied by the hotel, also note NBO does not refund you on points redeemed.

Q: By when can I cancel my Hotel Booking? 
A: It depends on your hotel. Please go through the hotel’s booking policy mentioned on the booking page while making the reservation (in case you missed it, you can always sign in to your account and check it out on your Trips pages). Please keep in mind that irrespective of what the hotel’s booking policy says, you cannot cancel your booking on the day that you’re supposed to check–in. Also note NBO does not refund you on points redeemed.

Q: How do I modify the Hotel Booking? 
A: Once the hotel booking redemption is completed on Nuqati Portal and you receive the hotel booking redemption confirmation on your registered email id, you cannot modify the hotel booking. 

Q: Can Infant Tickets be booked? 
A: Yes. Infants under 2 years of age can travel through Nuqati points. Make sure that the infant must be 24 months or below throughout the booked travel. If the infant is above 24 months during the return journey, the infant ticket will be cancelled which may cause booking of a separate ticket as per the child fare. Remember to carry valid age proof or birth proof documents of the infant. You can book no more than one infant per adult.

Q: What do I do if no Flight Results Shown / No Air Search results found / Your Request cannot be processed please try again later? 
A: To eliminate the error, Clear your browser cache and temporary files and try the search again. If the error persists if could be due to either situation: we can’t find flights for the specified route or flights are not available on your specified date. 

Q: How Can I enter my Frequent Flier Program (FFP) number while booking flight 
A: We do not have an option of entering the Frequent Flyer number at the time of booking domestic flights. You can mention your frequent flyer number with the airlines directly at the time of check-in.

Q: I got a blank screen when I submitted the booking form, I got charged but never received an e-ticket confirmation? 
A: We’re really sorry for the inconvenience. Please don’t worry. We’ll call you within four hours and complete this booking offline. We suggest you do not attempt booking again as you may end up getting charged twice. For any assistance, call us on 80077077. If abroad call +968 24770000 and we’ll help you to resolve this immediately.

Q: How do I get booking confirmation? 
A: We will send you an email and SMS to your registered email and mobile number respectively.

Q: Do I need to confirm my booking before I fly? 
A: No, you don’t. If you really want to, though, you can by contacting the airline directly.

Q: Can I get a Boarding pass? 
A: No, you will need to simply show your e–ticket confirmation email and your e–ticket number at the check–in counter of the airline you booked for travel. The airline representative will issue your boarding pass at that time.

Q: Do I have to show my e-ticket confirmation voucher at check-in counter? 
A: Yes, you do have to show your e-ticket confirmation voucher, please carry a print copy, it is important that you carry a print.

Q: Do I have to pay anything extra at the airport? 
A: every airport has their set of charges and rules, therefore the charges depends on the airport you’re flying from.

Q: Do I have to Show ID proof at the time of check – in? 
A: Yes. Your Photo id proof may be checked by airline authorities. It is strongly recommended that you carry a government-issued Photo id with you during your journey.

Q: I misspelled my name while booking, how I can correct it? 
A: Allowing change of name requests entirely depends on the airline you’re booked with. You can call us if your airline allows a change of name requests. We can pass on your request. However, if the airline doesn’t allow it, you’ll have to cancel and re–book the ticket.

Q: Can I book flights for friends and family using my account by points or cash? 
A: Yes, provided you have all the details belonging to the passengers you want to book for. Provide the details when you’re asked to enter traveler details at the time of booking

Q: The flight I booked was cancelled by the airline, how do I get my points back? 
A: You are entitled to a full refund if the airlines cancels the flight.We request you to cancel your booking online. Once you have done this, please call the call center on 80077077, if abroad call +968 24770000.

Q: What are cancellation and amendment charges? 
A: Cancellation charges totally depend on the airline, sector, class of booking, and time of cancellation. You can check fare rules online, mentioned on the booking page for further details. Along with charges levied by airlines, Nuqati additionally charges AED. 200 per passenger, per sector.
Terms & conditions
  • Fair use policy / penalties: 
    • NBO has the sole right to exclude and/or disqualify any member from participating in the NBO Nuqati 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 Nuqati 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 Nuqati 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 without any prior notification to the member. 
    • 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 Nuqati Rewards Program, change the value of conversion from Nuqati 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.
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.


The Bank obtains information online when you visit our website 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 (, 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.


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

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:

Privacy Policy Inquiries

If you have any questions or concerns about our privacy practices, please write to us at 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.


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

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.

Brand NameCategory
Cake GalleryCoffee Shop
Arabica CaféCoffee Shop
Caribou CoffeeCoffee Shop
Kaldi 850Coffee Shop
Second CupCoffee Shop
Funtazmo KidsGaming & Entertainment
Trampo ExtremeGaming & Entertainment
Yellow SubmarineGaming & Entertainment
Oman OilPetrol
Al Maha Petrol
Danube HomeBuilding Material / Home Supply
Kalyan JewellersJewellery
B+F Road Side DinerRestaurant
Belgian Waffles & CrepesRestaurant
Papa John's PizzaRestaurant
Pizza InnRestaurant
Slider StationRestaurant
The Steak CompanyRestaurant
Al Maya MarketsSupermarket
Nesto HypermarketSupermarket


Mazaya Privilege Banking

Mazaya Privilege Banking

National Bank of Oman recognises your need for prompt and efficient banking. By maintaining a deposit of R.O 15,000 and/or a salary of RO 1000 and above, you can be part of an exclusive and rewarding banking experience with our ‘Mazaya’ proposition.

Al Kanz Account

Al Kanz Account

An Al Kanz Savings account ensures more winners across Oman. You can enter the draw by just saving OMR 100. In fact the more you save the more chances you get to win.