Bank Muscat, a leading financial institution in Oman, offers a range of credit cards tailored to meet the diverse needs of customers, including students, frequent travelers, and female customers. Whether you’re an Omani national or a resident, Bank Muscat’s credit cards provide rewards, flexibility, and exclusive benefits to enhance your financial experience.
This guide explores Bank Muscat credit cards, including their types, features, eligibility criteria, and application process, to ensure you have all the necessary information to choose the right card.
Table of contents
- Why Choose Bank Muscat Credit Cards?
- Types of Bank Muscat Credit Cards Available in 2025
- How Can a Student Avail Bank Muscat Credit Card?
- Documents Required for Bank Muscat Credit Cards
- Eligibility Criteria for Bank Muscat Credit Cards
- Additional Benefits of Bank Muscat Credit Cards
- FAQs on Bank Muscat Credit Card
Why Choose Bank Muscat Credit Cards?
Bank Muscat’s credit cards are designed to cater to various lifestyles, offering rewards, travel perks, and financial flexibility. With options like the Visa Classic, Lulu Titanium Mastercard, Asalah Visa Signature, and Zeinah Visa Credit Card, students, professionals, and priority banking customers can find a card that suits their needs.
The Bank Muscat credit cards come with benefits like cashback, travel insurance, and airport lounge access, making them a valuable tool for managing expenses.
Key Benefits of Bank Muscat Credit Cards
Bank Muscat credit cards stand out for their customer-centric features. Here’s why they’re a great choice:
- Diverse Options: From entry-level cards for students to premium cards for priority banking customers.
- Rewards and Cashback: Earn rewards on everyday purchases, with specific cards offering up to 2% cashback at select merchants.
- Travel Perks: Complimentary airport lounge access, travel insurance, and chauffeur services for premium cardholders.
- Flexible Payments: Interest-free credit periods of up to 52 days and easy payment plans for select cards.
- Accessibility: Apply online, via mobile banking, or at any of Bank Muscat’s 146 branches across Oman.
Must Read: Bank Muscat International Transfer
Types of Bank Muscat Credit Cards Available in 2025
Bank Muscat offers a variety of credit cards, each with unique features and benefits. Below is a detailed breakdown of the Bank Muscat credit cards available, particularly those suitable for students and other specific customer segments.
1. Bank Muscat Visa Classic Credit Card
The Visa Classic Credit Card is an entry-level option ideal for students and everyday spending. Accepted at millions of locations worldwide, it offers flexibility and security for shopping, dining, and travel.
Eligibility Criteria
To apply for the Visa Classic Credit Card, applicants must meet the following requirements:
- Be at least 18 years old.
- Be an Omani national or resident with a valid resident card and visa.
- Have a minimum monthly income of OMR 250 (approximately INR 53,300).
Key Features
- Global Acceptance: Used in over 200 countries and by millions of merchants worldwide.
- Interest-Free Period: Up to 52 days of interest-free credit.
- Travel Insurance: Free travel insurance when 50% of the ticket costs are paid with the card.
- Secure Transactions: E-Pin technology for enhanced security.
- Cash Advance: 24/7 ATM cash withdrawal facility.
2. Lulu Bank Muscat Titanium Mastercard Credit Card
The Lulu Titanium Mastercard is perfect for students and shoppers who frequent Lulu Hypermarkets in Oman. It offers exclusive rewards and discounts, making it a top choice for grocery and lifestyle purchases.
Eligibility Criteria
- Minimum age of 18 years.
- Omani national or resident with a valid visa and a resident card.
- Minimum monthly income of OMR 250 (approximately INR 53,300).
Key Features
- Lulu Rewards: 2% cashback on purchases at Lulu Hypermarkets in Oman.
- Global Rewards: 0.5% cashback on other local and international merchant purchases.
- Travel Benefits: Complimentary access to over 10 airport lounges in the UAE, KSA, Jordan, Kuwait, and Egypt, plus free travel insurance.
- Interest-Free Period: Up to 52 days.
- Monthly Offers: Exclusive discounts at Lulu Hypermarkets.
3. Bank Muscat Asalah Visa Signature Credit Card
Designed for Asalah Priority Banking customers, this premium card offers luxury benefits for students and professionals who qualify. It’s ideal for those seeking travel and lifestyle perks.
Eligibility Criteria
- Minimum age of 18 years.
- Omani national or resident with a valid visa and a resident card.
- Enrollment in Asalah Priority Banking (specific income or balance requirements may apply).
Key Features
- Cashback: 1% cashback on most purchases (exclusions include exchange houses, government, and quasi-government transactions).
- OTT Subscriptions: Up to USD 10 monthly cashback on online streaming platforms.
- Lounge Access: 12 complimentary visits to over 1,000 airport lounges worldwide.
- Travel Insurance: Free multi-trip travel insurance.
- Dining Discounts: Offers at over 75 premium restaurants in Oman.
4. Zeinah Visa Credit Card
Exclusively for female customers, the Zeinah Visa Credit Card offers tailored benefits for shopping, travel, and wellness, making it a unique option for female students and professionals.
Eligibility Criteria
- Female applicants aged 18 or older.
- Omani national or resident with a valid resident card and visa.
- Minimum monthly income of OMR 500 (approximately INR 106,600).
Key Features
- Interest-Free Period: Up to 52 days.
- Global Support: 24/7 customer service worldwide.
- Cash Advance: Round-the-clock ATM access.
- Exclusive Offers: Discounts on shopping, travel, dining, spas, and salons.
- Secure Transactions: E-Pin for added security.
Also Read: Forex Card v/s Credit Card
How Can a Student Avail Bank Muscat Credit Card?
To avail of Bank Muscat credit cards as a student, one must meet the requirements and follow specific guidelines. Here is a general guide to applying for one:
- Check Eligibility: Review the specific criteria for your chosen card (e.g., age, income, residency).
- Compare Cards: Visit the Bank Muscat website or a branch to explore card features, fees, and benefits.
- Gather Documents: Prepare the required documents (listed below).
- Submit Application:
- Await Approval: The bank will assess your creditworthiness based on income, credit history (if any), and repayment capacity.
- Finalize Process: Upon approval, sign any required documents and receive your card at your registered address.
Documents Required for Bank Muscat Credit Cards
A student needs to submit the following documents to get a Bank Muscat credit card:
- 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
Eligibility Criteria for Bank Muscat Credit Cards
To qualify for a Bank Muscat credit card, applicants must meet general and card-specific criteria. Below are the common requirements:
- Age: Minimum 18 years.
- Residency: Omani national or resident with a valid visa and resident card.
- Income: Minimum monthly income of OMR 250 for Visa Classic and Lulu cards, OMR 500 for Zeinah, and higher for Asalah (varies by priority banking status).
- Creditworthiness: The bank evaluates income, credit history (if any), and repayment capacity.
Note: International students can apply for Visa Classic, Lulu, Asalah, or Zeinah cards while studying in Oman or Saudi Arabia.
Also Read: ICICI Student Forex Card: Features, Charges, Application Process
Additional Benefits of Bank Muscat Credit Cards
Beyond card-specific perks, Bank Muscat offers additional features to enhance the cardholder experience:
- Digital Banking: Apply and manage your card through Bank Muscat’s mobile or internet banking platforms.
- Promotional Campaigns: In 2024, Bank Muscat ran campaigns with booths at Lulu Hypermarkets and Oman Avenues Mall to promote card benefits. Similar campaigns may continue.
- Flexible Payment Plans: Cards like the Visa Gold offer interest-free installments for up to 12 months at participating merchants.
- Fraud Protection: E-Pin and secure internet shopping features ensure safe transactions.
Also Read: Axis Bank Forex Card for Students: Features, Benefits, Charges
Bank Muscat’s credit cards offer a range of benefits tailored to students, shoppers, travelers, and female customers. From the budget-friendly Visa Classic to the premium Asalah Visa Signature, these cards provide rewards, travel perks, and financial flexibility. By understanding the eligibility criteria, comparing card features, and following the application process, you can choose the best card for your needs in 2025.
FAQs on Bank Muscat Credit Card
Yes, international students in Oman or Saudi Arabia can apply for the Visa Classic, Lulu Titanium, Asalah Visa Signature, or Zeinah Visa Credit Card, provided they meet the eligibility criteria (e.g., valid visa, resident card, and minimum income).
The Zeinah Visa Credit Card is exclusively for female customers by Bank Muscat, offering discounts on shopping, travel, dining, spas, and salons, with a minimum income requirement of OMR 500.
Anyone who is 18 years of age or older and is an Omani resident or national can apply for the Asalah Visa Signature Credit Card.
For Bank Muscat Credit Card, approval typically takes up to 21 working days after submitting all required documents. Upon approval, the card is delivered to your registered address.
Annual fees vary by card type. Contact Bank Muscat or visit their website for specific fee details, as some cards may offer waivers based on spending thresholds.
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