Bank Muscat Credit Card is available for students who are either Omani nationals or residents. Students can use Bank Muscat Visa Classic Credit Card for everyday expenses. Students can also apply for Asalah Visa Signature Credit Card and Lulu Credit Card. Moreover, the bank also provides Zeniah Credit Cards exclusively to females. To avail of any of the cards an individual has to meet specific criteria. To apply for any of these cards, students can visit the bank’s official website or reach out to a nearby physical branch.
Must Read: Bank Muscat International Transfer
How Can a Student Avail Bank Muscat Credit Card?
To avail of a credit card from Bank Muscat as a student, one must meet the requirements and follow specific guidelines. Here is a general guide to applying for one:
- The initial step is to review the criteria set by Bank Muscat for availing of a credit card. Ideally, a student must be at least 18 years of age.
- In addition, she/they/he must have a minimum income level or a guarantor.
- Now, check out the available credit cards and compare their features.
- Visit the Bank Muscat website or visit their nearest branch to explore details of the different types of credit cards they offer. Look for credit cards designed specifically for students or those with features that suit their needs. Consider factors such as annual fees, interest rates, credit limits, rewards programs, and any associated benefits.
- Gather necessary documents for credit card applications.
- After compiling documents, apply for a Bank Muscat Credit Card online or in-person
Application Process
A student can either an online application or an in-person application.
- For an online application, visit the credit card application page on the Bank Muscat website. Fill out the online credit card application form and upload the documents.
- For an in-person application, visit a Bank Muscat branch and request a credit card application form. Fill it out accurately, attach the required documents, and submit it to the bank representative.
Also Read: Forex Card v/s Credit Card
Documents Required
A student needs to submit the following documents:
- Identity proof (passport or driving license)
- Admission proof (letter of acceptance/CAS letter/conditional offer letter/unconditional offer letter)
- Proof of residency (bank statement/electricity bills/telephone bill)
- Proof of income, if required (part-time job salary slip/bank statement of parents or guardian)
After the submission of the application form, Bank Muscat reviews the creditworthiness of the student. The bank will consider income, credit history (if any), and repayment capacity. If the application meets the requirements, the bank will notify the student about the approval status. Upon approval, the student may be required to visit the bank to sign the necessary documents and complete any additional formalities. Subsequently, the credit card will be issued and delivered to the registered mailing address.
Must Read: BANK MUSCAT INTERNET BANKING: APPLICATION FORM, REGISTRATION, SERVICES PROVIDED
Types of Bank Muscat Credit Cards for Students
A student can opt for the following credit cards at Bank Muscat:
- Bank Muscat Visa Classic Credit Card
- Lulu Bank Muscat Credit Card
- Bank Muscat Asalah Visa Signature Credit Card
- Zeinah Visa Credit Card
Also Read: ICIC Forex Card for Students
Bank Muscat Visa Classic Credit Card
Ideal for shopping, travelling, and dining out, this credit card can be used at lakhs of locations all over the world. This card is valid in over 200 nations worldwide.
Eligibility Criteria
To apply for Visa Classic Credit Card, a student must meet the following requirements:
- She/they/he must be a resident or national of Oman
- She/they/he should have a valid resident card and visa
- She/they/he must be at least 18 years of age
- She/they/he should have a minimum monthly income of OMR 250 (INR 53.3k)
Features
The key features of this card are as follows:
- E-Pin for additional security
- Interest-free credit period of up to 52 days
- Free travel insurance on the payment of 50% of ticket prices with the credit card
- Secure internet shopping
- ATM Cash Advance facility for 24/7
Lulu Bank Muscat Credit Card
When applying for this credit card, a student can save money on grocery purchases from her/their/his nearby Lulu store in Oman.
Eligibility Criteria
To get approval for the card, a student needs to adhere to the following requirements:
- Omani resident or national possessing a valid visa and resident card
- At least 18 years of age
- Have a monthly income of OMR 250 (INR 53.3k)
Features
Some of the major features of this card are mentioned below:
- 2% cashback on shopping from the Lulu hypermarket
- Additional monthly offers at the Lulu hypermarket
- 0.5% off at international and domestic merchants
- Cash advance limit of the full credit limit
- Interest-free credit period of up to 52 days
Also Read: Axis Bank Forex Card for Students
Bank Muscat Asalah Visa Signature Credit Card
Exclusively designed for Asalah Priority banking customers, students can use these credit cards for travelling and buying products.
Eligibility Criteria
The basic requirements for this card include:
- The student must be a minimum of 18 years of age
- The applicant must be an Omani resident or national having a valid visa and resident card
Features
Essential features of the card include:
- 1% cashback on shopping/purchases at stores, e-commerce platforms, and every platform except transactions at exchange houses, government organisations, and quasi-government entities.
- 100% cashback of up to USD 10 each month for online subscriptions on OTT platforms
- Discounts and rewards on dining out at nearly 75 premium restaurants in Oman
Zeinah Visa Credit Card
Bank Muscat offers this card to only female customers. Users of this credit card get special offers and discounts on shopping, travel, dining out, spas, and other luxuries.
Eligibility Criteria
Any female student applying for the card must adhere to the following eligibility criteria:
- She should be of a minimum of 18 years of age
- She can be either an Omani national or an Omani resident possessing a resident card and visa
- She should be earning at least OMR 500 (INR 1.07 lakh) per month
Features and Benefits
Some key features of the card are as follows:
- Interest-free credit period of up to 52 days
- Round-the-clock global customer service
- Round-the-clock ATM Cash Advance Facility
- E-Pin for extra flexibility and security
Also Read: HDFC Forex Card for Students
FAQs
Ans. Yes. International students can procure Visa Classic Credit Card, Lulu Credit Card, Asalah Visa Signature Credit Card, or Zeinah Visa Credit Card while studying in Oman or Saudi Arabia.
Ans. This card is exclusively for female customers. A female student can use Zeniah Visa Credit Card to purchase luxury items and for spas, saloons, etc.
Ans. Anyone who is 18 years of age or more and is an Omani resident or national can apply for the Asalah Visa Signature Credit Card.
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