Minimum Salary

Interest Rate

Loan Amount

Reducing Rate

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Min Salary

Interest/Profit Rate

Annual Fee

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Ahli United Bank Platinum Credit Card

Interest Rate

1.5%

Minimum Salary

BHD 3000

Annual Fee

BHD 0

Balance Transfer

Yes

Cashback

No

1.5%

Interest Rate

BHD 3000

Minimum Salary

BHD 0

Annual Fee

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Al Salam Bank Visa Infinite Credit Card

Interest Rate

1%

Minimum Salary

BHD 300

Annual Fee

BHD 0

Cashback

No

1%

Interest Rate

BHD 300

Minimum Salary

BHD 0

Annual Fee

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National Bank of Bahrain Classic Credit Card

Interest Rate

1.25%

Minimum Salary

BHD 200

Annual Fee

BHD 0

1.25%

Interest Rate

BHD 200

Minimum Salary

BHD 0

Annual Fee

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National Bank of Bahrain Titanium Credit Card

Interest Rate

1.25%

Minimum Salary

BHD 2500

Annual Fee

BHD 0

1.25%

Interest Rate

BHD 2500

Minimum Salary

BHD 0

Annual Fee

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Arab Bank Titanium Mastercard

Interest Rate

2.49%

Minimum Salary

BHD 1250

Annual Fee

BHD 35

Balance Transfer

Yes

2.49%

Interest Rate

BHD 1250

Minimum Salary

BHD 35

Annual Fee

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HSBC Bahrain Premier Credit Card

Interest Rate

2%

Minimum Salary

BHD 300

Annual Fee

BHD 0

Balance Transfer

Yes

2%

Interest Rate

BHD 300

Minimum Salary

BHD 0

Annual Fee

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What is a Credit Card

Credit Cards are quite famous which are known to provide high benefits for the cardholders. They are like an instant debt provided that can be availed anytime without any interest rates levied on payments that are made on time. It is mostly known as the alternative for cash and can also avail online shopping facilities with exclusive benefits added.

Features of Credit Cards in Bahrain H2 Some of the features of credit cards are:

Reward points: Credit cardholders can avail high rewards for every usage of the card. The rewards points earned can be redeemed for dining, travel, shopping, lifestyle and several other benefits.

Cashback: Several credit card providers offer cashback benefits on the card

Cash withdrawal: Cardholders can withdraw cash on the card where some nominal charges are levied.

Easy Installment Plan/Easy Payment Plan(EPP): Cardholders can convert their regular payments to the EPP on no/low-interest rates

Interest rates: Interest rates on the cards are charged when the payment is done beyond the due date.

Annual fees: Most of the cards are provided on no/low annual charges.

Discounts: Cardholders can get exclusive discounts on using the card for dining, shopping, entertainment, etc.

Insurance: Can avail travel benefits like travel insurance, purchase protection, etc when the purchases are made using the card.

Cashless Transactions: Card Holders need not carry cash and use the card on daily basis.

Credit Card fees and charges

There are some fees and charges levied on the credit cards. Like:

Annual Fee: This is charged annually on the card.

Retail Interest: Nominal interest rates that are charged on making purchases using the card.

Cash Advance Interest: Some interest rates are charged on cash withdrawal made using the card.

Cash Advance Fee: The fees that are charged for cash withdrawal at ATMs

Late Payment Fee: Late payment charges are charged levied if the regular payments are delayed

Over Limit Fee: This is levied if the credit limit usage is exceeded.

Card Replacement Fee: On replacing the old card with a new card.

International Transaction Fee: On using the card outside Bahrain.

Credit Shield: This helps the cardholder in paying back the balance if he/she is unable to do so under any circumstances. .

Credit Card Eligibility

There are some fees and charges levied on the credit cards. Like:

  • The cardholder needs to be of 21yrs old at least
  • Regular monthly income must be there

Even other factors might be considered depending on the bank

Documents Required for applying for Credit Card

Some of the documents that are required are:

  • Salary/Income proof
  • 3-6 months bank statements
  • Valid Passport
  • Valid Residence Visa