Home Retail Banking Silver Credit Card

    Our NBO Silver Credit Card is something that will help you wherever you go. Whether it is shopping at the finest establishments across the world, buying gas, dealing with medical expenses or even making donations, your NBO Silver Credit Card will there to help you.

    International Acceptance

    Your NBO Silver Credit Card commands instant respect at millions of establishments worldwide. At hotels, airlines, car rentals, gas stations, hospitals or department stores, all establishments welcome the NBO Silver Credit Card.

    Flexible Payment Plans

    The NBO Silver Credit Card offers you the best credit line, enhancing your financial flexibility and control. You have the option to plan your payments through the powerful Revolving Credit facility by paying as little as 5% of the outstanding every month. You choose how much of the balance you pay. You can even pay the entire amount - whatever is most convenient for you.

    Cash Access, Any Time

    With NBO Silver Credit Cards, you are entitled to withdraw emergency cash up to 100% of your credit line* from over 600,000 ATMs worldwide. The NBO Silver Credit Card is encoded with a secret PIN (Personal Identification Number) which is automatically generated and known only to you.
    * Cash Advance limit can vary based on the geography where the card is issued.

    Temporary Credit Line Increase

    The credit line on your NBO Silver Credit Card can be increased for three months to enable you to buy jewellery, consumer durables like a TV or refrigerator, or to pay for your vehicle repairs. You can also use this unique facility for anniversaries, weddings, birthdays or when a business trip or holiday goes beyond your budget. The credit line increase is subject to maintaining a good rating with the bank.

    Protection Against Loss

    In the unlikely event of your NBO Silver Credit Card getting lost or stolen, a replacement card will be sent within two days to the NBO branch nearest to you in Oman. And NBO's unique Limited Liability coverage means that in case of misuse on a lost card, your liability is restricted to only RO40 from the time you report the loss of the card to NBO.

    Plan 1: Against a salary of RO 300 and above with salary transfer
    Plan 2: Against a deposit of RO 350 and above depending on the required credit limit
    Plan 3: Against a cheque for 120% of the applied limit.

     

    The following documents will be required to apply for a NBO Silver Credit Card:

    • Plan 1
      Against a salary transfer:
      • Copy of the passport
      • Salary certificate
      • Salary assignment letter
      • Account opening form
      • Credit card application form
        Interest per month if 100% not paid - 1.5%
    • Plan 2
      Against a deposit
      • Deposit in the bank which earns interest and against the deposit a credit card can be taken. Currency available - RO/US$/Pound sterling/UAE dirhams
      • A standard letter from the bank placing the deposit on lien
      • 90% of the deposit amount will be given as the credit limit if deposit is in Rial Omani
      • 80% of the deposit amount will be given as the credit limit if deposit is in any other currency
      • Account opening form
      • Credit card application form
        Interest per month if 100% not paid - 1.5%
    • Plan 3
      Without a salary transfer
      • Bank statement for 6 months
      • Undated cheque for 120% of the applied credit limit
      • Copy of the passport
      • Salary certificate
        Interest per month if 100% not paid - 2%

     

    For more details, call 800-77077 or visit your nearest branch.

    For further details, download the User Guide from here

    Where can I use my NBO Credit Card?

    Your NBO Credit Card can be used anywhere in Oman and worldwide, for purchase of goods and services, in all shops and establishments that display your Credit Card logo. These include hotels, restaurants, travel agents and much more.

    Is there any charge on using my Credit Card at merchant establishments?

    No, there is no charge for using your NBO Credit Card at merchant establishments. Merchants cannot ask you to pay more than the bill amount for using your Credit Card.

    Can I withdraw cash on my NBO Credit Card?

    Yes, you can withdraw cash up to 100% of your credit limit from all ATMs that display your Credit Card logo.

    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 RO 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 to your account immediately and will appear in your Credit Card statement.

    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 advance is not possible until you repay the amount.

    Tell me about my Credit Card Statement

    In the first week of every month, we will send you a statement for your NBO Credit Card. It will be mailed either to your home or office, as indicated by you in your NBO Credit Card application. Your statement will indicate your previous balance, an itemised list of your current charges, any finance charges or fees, your payments and credits and your current balance. Please note the "Minimum Payment Due" and the "Payment Due Date".

    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.

    What are the finance charges and how are they calculated?

    If the "Current Balance" is not paid in full before the "Payment Due Date" indicated in the statement, then a finance charge "Interest" will be applied. The finance charge will be applied to the "Current Balance" until any repayments are credited to the card account. Thereafter the finance charge is applied to the reduced balance until the payment is made in full. Cash Advance transactions are charged a "Cash Advance Fee" of 3% of the transaction amount subject to a minimum of RO 2.500 per cash transaction. Refer to the "Services & Price Guide" for a comprehensive list of Fees and Charges.

    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 which 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 RO 5/- then the "Minimum Amount Due" appearing on your statement will be the "Current Balance".

    If I have used my full credit limit, can I use the card?

    No, if you have used up your credit limit fully then you cannot use the Credit Card until you repay. The amount repaid will then be available for your use, provided the account is not overdue.

    How can I increase my credit limit?

    We issue Cards against your your salary assignment, your deposit with us, against your salary certificate or Bank statement.If your credit limit is linked directly to your salary we can increase your credit limit, if it is less than the amount your are eligible for .Other wise, you can increase your deposit amount to increase your credit limit.

    My Card will expire next month .What should I do?

    We renew all CreditCards with regular payments upto 60 days in advance. These are available at your NBO branch 30days before the Card expires. The branch manager will either call to arrange to deliver your Card or you can collect it from the branch at your convenience.
    1. Pick a plan
    2. Fill the form & provide required documents
    3. Submit it to your branch or your NBO Relationship Manager

    Important Information about your Cash Back Plan on Credit cards

    Enjoy yourself this summer with greetings of National Bank of Oman. For the first time ever we are giving you the chance to redeem all your Cash Back points without any minimum number of points required. 

    To claim simply visit one of our branches or call our Call center and redeem your Cash Back points for cash. This offer applies to all our credit card holders except Oman Air Co brand cards where accumulated points can be redeemed for Oman Air Miles.

    What’s happening

    1.From Midnight on June 25th No new Cash Back points will be earned as we look to close down the program before introducing the new plan later on in the year.

    2.You can redeem your existing Cash Back points until Midnight on Thursday September 22nd 2011

    3.After this date all points not redeemed will be cancelled


    Procedures for redeeming Cashback Points:

    1.Visit an NBO branch  or

    2.Call us on Tel 80077077

    Once processed your cash will be credited to your credit card account by the 25th of the next month

    So enjoy your summer with the compliments of NBO and rest assured we are working hard to bring a new more dynamic Cash Back program with even more benefits.

    Apply Now





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