My Tools

  • Loans Calculator

    Calculate the loan amount you can borrow or alternatively, the monthly payments you can afford.

    How much can i... borrow afford

    You can borrow only a maximum amount of.


    Rate of interest is 5.0% pa.

    24 Months

    Adjust repayment tenure to change EMI

    This is for demonstrative purpose only. Call 1801801 or visit a branch for exact calculations.

  • Term Deposit Calculator

    This is for demonstrative purposes only. Call 1801801 or visit a branch for exact calculations.

  • I would like to apply
  • Branch / ATM Locator
  • Al Jawhara

    Calculate your chances to win with Al Jawhara


    The minimum deposit is KD 50 and maximum deposit is KD 500,000. Terms & conditions apply.

    In case of no withdrawal within the holding period, extra chances will apply

  • Weather

    oC Feels like

    Humidity %
    Wind From
    Wind Speed kph
  • Prayer Timings

    Kuwait Prayer Times
    Sunday, 29,2015

    • Fajr 04:58 AM
    • Sunrise 06:22 AM
    • Dhuhr 11:37 AM
    • Asr 02:30 PM
    • Maghrib 04:50 PM
    • Isha 06:20 PM
  • Ask a Question
  • Market Indices
  • Currency Converter

    Error: Generic error message here.


    Click here to view the Currency Rates

  • NBK Miles Points Calculator

Laki Titanium Card


The Laki Titanium MasterCard credit card is the first card of its kind in Kuwait that is designed exclusively for the modern women. With this card, you will enjoy a variety of benefits that cater to your lifestyle needs such as free valet parking, concierge service, complimentary airport lounge access, and exclusive offers covering retail, travel, dining and much more!



With the Laki Titanium MasterCard Credit Card, you will enjoy countless special benefits such as complimentary airport lounge access, free valet parking, amazing shopping deals at your favorite brands, concierge service and much more!


  • Free Valet Parking: Worry no more about finding a parking space. Enjoy free valet parking locally at select malls and outlets with your Laki Titanium MasterCard.
  • Secure Online Shopping: If you are constantly worried if your credit card will be affected by fraud from your online purchases, NBK secure shopping is here to minimize this fear! NBK secure shopping is an online added security layer that protects credit cardholders’ online purchases from fraudulent use of their credit cards.
  • Local Concierge Service: Relax and leave life’s hassles to the concierge service provided with your Laki Titanium MasterCard. Let us help you breeze through your busy day while dealing with life's necessities such as restaurant reservations, registering your car, travel arrangements and delivery of your tickets.
  • Complimentary Airport Lounge Access  Enjoy complimentary access to the Pearl Lounge in Kuwait international airport, and to the lounges in the international airports of Dubai, Cairo, Amman, Riyadh, Jeddah and Dammam. It doesn’t matter how often you travel, or which class you fly. Simply present your Laki Titanium MasterCard at the lounge reception, step in and unwind.
  • Free Travel Insurance: Enjoy free travel insurance with coverage up to $250,000 when you purchase your airline ticket using your Laki Titanium MasterCard card. Protect yourself against personal accident, baggage loss or delay, and flight delay or cancellation.  Fly in comfort and peace of mind with insurance protection.
  • Fraud Protection: up to USD 2,000 per year to cover fraudulent charges on your Laki Titanium MasterCard

    Click here  for Titanium MasterCard – Fraud Protection Claim Form
    Click here  for Titanium MasterCard – Fraud Protection Terms & Conditions

    For inquiries and to request a claim form please contact:

    CHARTIS MEMSA Insurance Company (Kuwait Branch), Claims Department.
    5th Floor, Al-Kharafi Tower, Hamad Al Saqr St, Kuwait City – Kuwait
    Tel: +965 2247 4260 / 1/ 2 / 3
    Fax: +965 - 2247 4264
  • Starwood Preferred Guest - Buy two nights get the third night free at participating hotels & resorts when you book and pay with your Laki Titanium MasterCard®.
  • Global Offers from MasterCard International - Get exclusive Luxurious Lifestyle offers from MasterCard Int’l including an assortment of top-notch hotels, restaurants and retailers.
  • NBK Rewards Program: The NBK Rewards Program is Kuwait’s largest loyalty program with more than 600 partner outlets across Kuwait. NBK credit cardholders are guaranteed rewards at hundreds of the best local and international brands that will satisfy their fashion, dining, and lifestyle needs.
  • Zain AutoPay Facility: Get a 3% discount on the total monthly bill of your Zain Postpaid plan, when paying with your NBK Credit Card. With this facility your monthly bills will be settled automatically. Please visit any of Zain’s branches to get this special offer.
  • Annual fee: waived for the first year
  • Cash Withdrawal: available up to 100% of your credit limit
  • Supplementary Cards: for your immediate family members
  • Flexible payment: the facility to repay in low easy installments of 8.33% of your monthly outstanding balance, or a minimum monthly payment of 20 KD.
  • Secured Online access: the facility to track your credit card information through Watani Online.
  • Subscribe to real-time SMS alerts for secure transactions at home and abroad.

Discounts and Offers

  • Centrepoint 

    10% discount 


    10% discount on all purchases

    Foot Locker

    Spend KD 35 or more and get 10% discount


    10% off upon spending KD100 or more
    15% off upon spending KD150 or more


    Spend KD 50 and get 20% discount

  • Express

    15% OFF on purchases above KD 30 or more (On final price post promotional discounts)

  • Jack Wills

    Spend KD 50 or more and get 15% discount


      Spend KD 50 and get 20% discount

    Miss Selfridge

    Spend KD 40 or more and get 20% discount


    10% off upon spending more than 20 KD
    15% off upon spending 30 KD
    20% off upon spending 40 KD or more


     Spend KD 30 or more and get 20% discount

  • Topshop

    Spend KD 40 or more and get 20% discount


    Spend KD 50 and get 20% discount

  • Warehouse

    15% off upon spending 30 KD
    20% off upon spending 40 KD or more

  • Claires

    Spend KD 10 or more and get 15% discount


     10% off minimum spend KD50 on full priced items

  • H&M

    Spend KD 10 and get 5% discount
    Spend KD 20 and get 10% discount
    Spend KD 30 or more and get 15% discount

  • Justice

    Spend KD 30 or more and get 10% discount
    Spend KD 40 or more and get 15% discount

  • Spend KD 20 and get 10% discount.
    spend KD 30 or more and get 15% discount.


  • Muji

    Spend KD 75 or more and get 10% discount

  • Solaris / Vision Express


    Spend KD 60 or more &  get 10% discount.
    Spend KD 80 or more & get 15% dsicount.
    Spend KD 100 or more & get 20% dicount.

  • Decathlon Sporting Goods Store


    Spend KD 25 or more and get 10% discount

  • Parcel Plus

    Spend KD 25 and get 10% discount

  • Pottery Barn

    Spend KD 100 or more and get 10% discount

  • West Elm

    Spend KD 75 or more and get 10% discount

  • Al Jothen Gallery

    10% discount for Purchase worth KD 25
    15% discount for purchase worth KD 50
    20% discount for purchase worth KD 100
    For more details click here

  • Markaz Saber

    10% discount on Arabic - French perfume & Bekhour

  • The Body Shop

    10% Discount when the customer spends a minimum of KD 30


  • Inaya Medical Center 

    Offer Details:
    Lasik- Original Price: KD 250 Discount: 15%
    Eye Examination- Original Price: KD 20 Discount: 25%
    Facial- Original Price: (KD 50 for Complete, and  KD 25 for Basic) Discount: 20%
    Hair Laser Removal- Original Price: Prices Vary Discount: 10%
    Titan Face Lift- Original Price: (KD 50 to KD 250) Discount: 30%
    Full Lab Test-SMAC - Original Price: (KD 20 to KD 55)  Discount: 10%

    Address and contact info:
    Salmiya, Block 5, Street #1.
    Phone: +965 2575 0777

    Business hours:
    Saturday to Wednesday: 9:00am to 1:00pm, and from 5:00pm to 9:00pm
    Thursday: 9:00am to 2:30pm

    Canadian Medical Center 

    Plastic Surgery - 25% Discount
    Any procedures outside the clinic - 15% Discount
    Dermatology Dept - 25% Discount
    Discount on Skin Care - 25% Discount
    Discount on Dental - 20% Discount
    Discount on Lab.  - 25% Discount

    Branch Location: 
    Sharq – block 3 building NO. 20 behind Al – Amiri Hospital

    Working hours:
    Saturdays to Thursday from 9:00am to 9:00pm

    Contact: 22967770
    Instagram:  cmckwt

    Terms &Conditions:
    The above mentioned discounts;
    - Do not apply to existing, Offers & Promotions provided by the Center
    - Include all procedures offered by the Center
    - Include all dental department procedures
    - Do not apply to the ENT department or any ENT related procedure

    New Smile Dental Center 

    15% on cosmetic services and orthodontics (braces)
    20% discount in all clinic services

Spa and Gyms
  • Elements Spa by Banyan Tree, Kuwait

    20% discount on body massage and spa packages all week.
    50% discount on body massage only on Wednesdays.

    At the Royale Hayat Hospital, 1st floor. Al Jabriya, block 3 A. Phone # 25360940/0562. Business hours from 9:00 AM to 10:00 PM

    Six Senses Spa

    10% Discount on Six Senses Signature Massages and Facials (50 minutes and 80 minutes).
    10% Discount on Intraceuticals Oxygen Facials. (It is a non-invasive treatment that targets the appearance of fine lines, wrinkles and dramatically enhances overall hydration).
    2 Complimentary Health Fitness Assessments with Personal Trainer (reservation required)
    Special Corporate rate for a one year membership with additional benefits. For more details, click here

    Six Senses Spa at Symphony Style Hotel
    Symphony Style Mall, Salmiya, Arabian Gulf Street
    Tel: +965  2577 0077

Travel Agencies
  • Qiblah Travel &Tourism

    Exclusive deals on luxury hotels in London, Paris, Malaysia, Maldives, Dubai, Muscat, Mauritius, and Seychelles*
    24 hour dedicated call center for dial a ticket service
    In addition to the above, you can choose any of the following:
    Complimentary airport transfers in Kuwait, Dubai, Amman, and Beirut for packages above KD500
    Meet&Assist services in Middle East for packages above KD1000
    Complimentary sightseeing tour for two with every package to any destination above KD1000
    10% discount at Printemps (Paris) when purchasing a travel package to Paris

  • The Regency Hotel Kuwait

    15% discount on Room & Suites
    15% discount on Food & beverage in Silk Road restaurant
    15% discount on Food & beverage in Al liwan restaurant


    10% discount in Library Lounge

    The Regency Hotel

    15% discount on Food & beverage in Silk Road restaurant
    15% discount on Food & beverage in Al liwan restaurant


    Purchase a box of 12 cupcakes and receive 15% off your bill

  • Castania Nut Boutique

    Spend KD 8 and receive 10% off your bill

  • Pinkberry

    2 small Pinkberry cups with toppings for KD 3.500 (previous price KD 4.3).

  • Sprinkles Cupcakes

    Purchase a box of 12 cupcakes and receive 15% off your bill

  • Garrett Popcorn

    Spend KD 10 and receive 10% off your bill

  • Engineering for Kids

    Summer Camps: 10% discount
    Normal Monthly Classes: 15% discount & 25% discount for Siblings (all courses offered)
    Birthday Parties and Events: 20% discount

    Engineers Age GroupOriginal PriceDiscounter Price-15%Discounted Price/Siblings (25%)
    Junior Engineers ages 4-6KD150KD127.5KD112.5
    Apprentice Engineer ages 7-10KD180KD153KD135
    Master Engineers ages 11-14KD200KD170KD150

    Engineering the program includes:

    Aerospace Engineering
    Chemical Engineering
    Marine Engineering
    Environmental Engineering
    Mechanical Engineering
    LEGO® Robotics
    Industrial and Civil Engineering
    Electrical Engineering
    Electrical and Game design
    Computer coding
    Hardware engineering

    Location :  The View Mall – Mezzanine 1 – next to Missoni Hotel – Sea Side Salmiya
    contact details : office: 22053220 – Mobile: 99244404

    Sunday to Thursday
    From 10:00 am till 2:00 pm
    From 4:00 pm till 7:00 pm
    From 11:00 am to 4:00 pm

    USA website:
    Kuwait Website:

    Instagram @engineeringforkidskw
    Twitter: @kidengkw

    Cozmo Kids

    20% Extra credit when paying minimum of KD 5 from Cozmo Kids Cards

    Sama Mall, Sulbikhat:
    Sunday to Wednesday from 10:00 am to 10:00 pm
    Thursday to Saturday from 10:00 am to 11:00 pm

    Discovery Mall:
    Sunday to Wednesday from 10:00 am to 11:00 pm
    Thursday to Saturday from 10:00 am to 12:00 am

    Facebook – Twitter : Cozmo Group   
    Instagram: @cozmo_group

    Cozmo Bowling

    15% discount

    Kaifan - Every day from 10:00 am to 1:00 am
    Salmiya - Every day from 10:00 am to 12:00 am
    Discovery Mall -
    Sunday to Wednesday from 10:00 am to 11:00 pm
    Thursday to Saturday from 10:00 am to 12:00 am
    Sunday to Wednesday from 10:00 am to 11:00 pm
    Thursday to Saturday from 10:00 am to 12:00 am

    Facebook – Twitter : Cozmo Group   
    Instagram: @cozmo_group

    Cozmo Birthday Parties

    15% discount


    Facebook – Twitter : Cozmo Group   
    Instagram: @cozmo_group

Other Services
  • CTS

    10% discount

    Wezo Polishing and Protection Company

    20% discount on tinting, detailing and paint protection


    AlRai industrial block 4 building 1662 behind the avenues mall

    Working days / hours:
    Saturday until Thursday : from 10am - 7pm

    Contact Number:
    24721222 - 67760006
    Instagram: @wezodesign

    Kwik kopy

    15% discount

    Shore Business Development Agency

    15% discount on all services of Shore Business Development Agency.

    Sharq, Ahmed Al Jaber Street, Al Sarraf Tower, floor #2

    Sun-Thurs:  9:00 am - 5:00 pm
    Visits: By appointment


Important tips from NBK 

  • It is essential that you sign your card as soon as you receive it.
  • Be cautious when using the ATM. Enter your PIN in such a way that no one can memorize your keystrokes.
  • Always take your receipt – never leave it behind at the ATM. Your discarded receipt could make you vulnerable to credit card fraud. Also, don't throw out your credit-card statements, receipts or carbon copies without shredding them first.
  • Think twice when using your card on the phone. Never give your credit card number over the telephone unless you initiated the call.
  • Even when you place a call to a legitimate merchant, never give out your card number over a cordless phone or a mobile phone. One common scam is when someone calls you back right after you placed an order, and claims to be the merchant. The person will tell you that there was a problem with your card number, and asks you to provide your card number again. Play safe by asking that person to read out the card number that they have, and then you can change any incorrect numbers.
  • Ignore any credit card offers that require you to spend money upfront or fails to disclose the identity of the bank.
  • Make certain you get your card back after you make a purchase (one good habit to observe is to leave your wallet open in your hand until you have your card back). Also, make sure that you keep any void or cancelled charge slips.
  • Always keep a list of your credit cards, credit card numbers and toll-free numbers including NBK’s phone numbers handy, in case your card is lost or stolen. When calling NBK from Kuwait dial 1801801, and when calling NBK from abroad please dial +965 2224 8361.
  • Check your monthly statement to make sure all charges are your own, and notify NBK of any errors or unauthorized charges immediately.

Fees & Charges

    Card Type   Primary Card Supplementary Remark
 Miles WorldKD 100KD 100Charged for Primary and Supplementary cards from the first year of issuing the card
 Visa SignatureKD 100KD 50 
 World MasterCardKD 50KD 25 
Anual FeesPlatinumKD 50KD 25-NBK Credit Cards are free of annual fees in the first year (except for the Miles World MasterCard)
- 2nd year annual fees hit on the first statement that occurs after the card is issued.
  e.g. Card issued 15-01-12, card 1st annual fees 09-02-13
 Diners ClubKD 40KD 20 
 Laki/ TitaniumKD 40KD 20 
 GoldKD 40KD 20 
 ClassicKD 30KD 15 


Temporary excess
over limit fee
KD 5 regardless the over limit amount
Late fee on overdue amount0.75% or KD3.5 (whichever is higher)
Cash advance fee5% of the withdrawal amount
Min monthly payment For the Classic Visa, Classic MasterCard, and the Visa Zain card it is 8.33% of the total amount due, or KD 10 (whichever is higher). For all other credit cards it is 8.33% of the total amount due, or KD 20 (whichever is higher)   
Monthly flexible fees –
on revolving amount
0.875% of the total amount due, or KD 20 (whichever is higher)  -(2.5% over discount rate + 0.5% monthly fees)  Yearly
-Calculated on the average daily balance from previous statement
 Card typeInstallment dateRemark
Statement date

Visa Card

2nd of each month
9th of each month
28th of each month
-Installment shall be deducted from 21st through the end of the month
-In case the customer has two cards (i.e. Visa and MasterCard), the monthly two installments on both cards shall be calculated on the 9th of each month.
-Installments shall fall due and be deducted from the 21st day through the end of the month or on the salary transfer day
Interest free  Grace periodUp to 59 days from transaction datee.g. Transaction date on 3rd Dec
1st installment date will be 2nd Feb, so if the payment received before 2nd Feb no interest will be calculated
Foreign exchange conversion rate (Mark Up)2.75% + foreign currency exchange rate for all transaction with foreign currencye.g. Transaction amount      
Exchange rate KD .29               
Markup fee is 2.75%               
Total conversion amount
USD 1,000
KD 290
KD 7.975
KD 297.975

Common Questions

  • What is the Annual Fee for NBK Credit Cards?
    NBK tries to make products as convenient as possible for you. Primary and supplementary credit cards are free for the first year and NBK only charges from the second year onwards. The annual fee varies, based on the type of credit card. For details contact NBK at 1801801.
  • How do I get the free valet parking service and where is it available in Kuwait?
    It’s quite easy. Simply present your NBK Premium Credit Card at the Al Manar valet counters. They will take a copy of your card and give you a receipt. You’ll find the valet service available at most major malls in Kuwait such as the Avenues Mall and Marina mall. For an updated list of valet locations Click Here.
  • How can I Access the Local Concierge Services for Premium Credit Cardholders and are there Additional Costs for the Services?
    That’s easy too, just call +965 22317788.The concierge desk, managed by Qiblah Travel &Tourism, isavailable from 9:00 AM to 7:00 PM every day, except Fridays and public holidays.You’ll be delighted to know that the concierge service itself is free, but some services include a fee that will be charged to your NBK Credit Card. For more details and for the list of concierge services, Click Here.
  • How do I get the Discounts Offered with MyNBK Credit Card?
    NBK strivesto make your shopping experience a pleasure.All you have to do isinform the counter staff that you will be settling your bill with your NBK Credit Card.All promotional offers and discounts are displayed on
    - All NBK Card Local Offers, Click Here 
    - World MasterCard® Local Offers, Click Here
    - World MasterCard® Regional Offers, Click Here
    - World MasterCard® Global Offers, Click Here 
    - LakiTitanium MasterCard® Local AlshayaOffers, Click Here 
    - Laki Titanium MasterCard® Local Lifestyle Privilege Offers, Click Here
    - Titanium MasterCard® Global Offers, Click Here 
    - Visa Platinum Regional Offers, Click Here 
    - Visa Platinum Global Offers, Click Here
    - Visa Platinum Fine Dining Offers, Click Here 
    - MasterCard® Platinum Global Offers, Click Here 
    - Diners Club Global Offers, Click Here
    - MasterCard® Gold and MasterCard® Classic Cards Global Offers, Click Here 
    - Visa Gold and Visa Classic Cards Global Offers, Click Here 
  • Where can I use My NBK Credit Cards?
    NBK Credit Cards are second to none when it comes to acceptance. You can use them bothlocally and internationally, at ATMs and at numerous merchants.
  • What is defined as a Premium Credit Card?
    Cards that come under this category include Visa Signature, World MasterCard®, Platinum Visa, Platinum MasterCard® and all Titanium MasterCard® Cards.
  • What is the NBK Rewards Program?
    It is Kuwait’s largest loyalty program with more than 600 partner outlets across the country. When using any of your NBK Credit Cards (Visa, MasterCard or Diners Club) at participating outlets, you will enjoy up to 20% off the transaction amount in the form of NBK Rewards Points. NBK Rewards Points can be instantly redeemed at the Point of Sale machine when paying for your purchases at the participating outlets.
  • How are NBK Reward Points Calculated?
    When you use your NBK Credit Card at any participating outlet, you will automatically be rewarded with a number of points that will be transferred to your account according to the discount rate given by the merchant. For example: 
    - If discount rate is 15%, KD amount x 15 points (KD 70 = 1050 points)
    - If discount rate is 10%, KD amount x 10 points (KD 70 = 700 points)
  • How do I find Participating Outlets ofthe NBK Rewards Program?
    Simply check the NBK Rewards Booklet, which is available in all branches. However, please note that the list of partner outlets is subject to change at anytime. Therefore, for an updated list of NBK Partner Outlets, Click Here.
    You can also contact NBK Call Center at 1801801 to find out about the latest partners or to confirm the discount percentage at a particular partner.
  • What are the Main Terms and Conditions of NBK Rewards?
    Unlike other reward schemes, you will be pleased to know that you are guaranteed to get yourNBK Rewards Points because they are automatically calculated by the Point of Sale machine when you pay with any of your NBK Credit Cards at NBK Partner Outlets.Your NBK Rewards Points are active for up to24 months from the date of earning them. However, points cannot be earned during sale periods at participating outlets.
  • How can I get aCreditLimit Increase on My Credit Card?
    Quite easily. Simply visit an NBK Branch, and if you are eligible NBK will extend the service to you.
  • How can I Upgrade My Credit Card?
    That’s simple too. Just contact NBKCall Center at 1801801 and find out if you are eligible. If upgrading your credit card requires a credit limit increase, you will be asked by the Call Center to visit an NBK Branch to upgrade your credit card.
  • What Should I do if My Card is Lost or Stolen?
    NBK makes sure cardholders are as protected as possible. If your card is lost or stolen, contactNBKCall Center immediately at 1801801 when calling from within Kuwait and dial +965 2224 8361 when calling from abroad. NBKCall Center will immediately block your card from unauthorized transactions. Please remember your card number when calling.
  • When I am Overseas, Should I Pay in KD or Another Currency?
    It is always best to pay in the currency of  the country you are visiting, because NBK exchange rates are very competitive. Remember to only use KD in Kuwait.
  • Can I withdraw cash from ATMs?
    Yes, you can withdraw cash from any of NBK’s conveniently placed ATMs. What’s more, you can withdraw 100% of your available funds.
  • What is the Foreign Exchange Fee When Using NBK Debit Cards While Abroad?

    - If the account is in KD currency and the transactions are made in a foreign currency, you will be charged the Foreign Currency Exchange Rate plus the Foreign Exchange Fee 2.75% (FOREX +  2.75%). 
    - If the account is in US Dollar currency and the transactions are made in US Dollar currency, you will be charged the Foreign Exchange Fee 1.25%
    - If the account is in US Dollar currency and the transactions are done in another currency, you will be charged the Foreign Currency Exchange Rate plus the Foreign Exchange Fee 2.75% (FOREX +  2.75%).







Ready to Apply?

Secure Online Shopping

Got Questions?


Send to a Friend Print this page

Send to a Friend