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

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    Rate of interest is 5.5% pa.

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

  • Loan Refinancing Calculator

    The above approximate calculation of the loan is for guidance only and does not entail any kind of obligation or liability on the bank. This operation and its result assumes that you have paid all your installments on time, your loan term did not have a grace period and you have not made partial payments to your loan. Kindly note that Government loans cannot be refinanced.Please contact 1801801 or visit any branch to confirm.

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  • 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

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    Updated: Thu, 30 Mar 2017 09:00 AM KWT
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    Kuwait Prayer Times
    Thursday,March 30,2017

    • Fajr 04:20 AM
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  • NBK Miles Points Calculator

Miles World Mastercard


The NBK Miles World Mastercard Credit Card is designed to provide added value and a wide range of benefits that cater to the lifestyle needs of the frequent traveler.

Enjoy a world of unlimited rewards. The NBK Miles World Mastercard Credit Card lets you earn NBK Miles Points every time you use it for retail purchases, cash advances and online transactions when you are in Kuwait, and you earn even more NBK Miles points when using your card while you are abroad. The card gives you the flexibility to fly to any destination, on any airline, from any point of origin and at any time of the year. You can redeem your NBK Miles Points and use them to book flights from more than 800 airlines, 150,000 hotels and renowned car rental companies. When you redeem your NBK Miles Points, you will also earn miles with the airlines’ miles program.

Other benefits of the card include complimentary access to more than 500 lounges at over 300 airports worldwide, global and local concierge services, free travel insurance, the Starwood Preferred Guest program from Mastercard that gives you special offers at Starwood Group of hotels worldwide, free valet parking locally, discounts at over 600 outlets with the NBK Rewards program as well as local and global offers that cover travel, shopping, dining, entertainment and other services.


  • Instant discounts up to 10% when using your World Mastercard for bookings on
  • Use your World Mastercard and get 20% off on rides with Careem.
  • Download Mastercard for You app “available in Apple store and Google play store” and enjoy the benefits of your Mastercard including “Buy 1 get 1” offers.
  • NBK Miles Program: Enjoy the best Miles program in Kuwait! Get NBK Miles points for every KD 1 that you spend locally and abroad with the NBK Miles World Mastercard credit card. Redeem your NBK Miles points to book from over 800 airlines, 150,000 hotels worldwide, and world-renowned car rental companies. Conveniently book your travel online from anywhere, anytime of the year with no travel black-out dates and your NBK Miles Points are valid for 3 years after acquiring the points. Fly to and from any destination, and get 10,000 Free NBK Miles points the first time you use your card!
    Click here for details
  • 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.
    Click here for more details.
  • LoungeKey Program: Enjoy the comfort and convenience of LoungeKey, the new airport lounge access program that gives you access to more than 500 lounges in over 300 airports worldwide!
    Simply present your NBK Miles World MasterCard Credit Card along with your travel boarding pass mentioning “LoungeKey” to the lounge staff, and get instant accesses to any of the airport lounges participating in the LoungeKey program. For any guests accompanying you, your NBK Miles World MasterCard Credit Card will be charged a flat rate of USD $27 per guest and per visit, at the time of visiting the lounge.

    Your travel journey begins at the airport lounge! Savor the travel experience with your NBK Miles World MasterCard Credit Card today! 
    Click here for more details and to enjoy the benefits of LoungeKey!
  • Regional Complimentary Airport Lounge Access: Enjoy complimentary access to lounges in the international airports of Kuwait, Dubai, Cairo, Amman, Riyadh, Jeddah and Dammam. It doesn’t matter how often you travel, or which class you fly. Simply present your credit card at the lounge reception, step in and unwind.
    Click here for more details
  • Global Concierge with World Privilege Access: MasterCard Worldwide offers a dedicated call center service for NBK Miles World MasterCard cardholders while they are abroad. To enjoy and benefit from a range of global services you can simply contact 0049 8950070 4230. The costs of the services provided will be charged to your NBK Miles World MasterCard Credit card. 
  • Local Concierge Service: The concierge service offers you a wide range of services including taking care of errands such as paying school tuition fees, registering your car and paying your traffic fines, travel arrangements and delivery of your tickets. Some services are free and some have fees which will be charged to your card.
    Click here for more details
  • Priority Check-in at Kuwait International Airport: Regardless of your class of travel, enjoy priority check in at all Etihad Airways check-in counters, and at the Lufthansa Airlines First Class check-in counter.
  • Starwood Preferred Guest: Book two nights and get the third night for free at participating hotels & resorts when you pay with your NBK Miles World MasterCard card.
    Click here for more details
  • Free Travel Insurance and Medical Emergency Coverage from MasterCard: You also get insurance coverage up to USD 2,000,000 for travel accidents, travel medical benefits, trip inconvenience, and luggage protection.

    For Terms and Conditions or to file a claim, click here 
  • Free Travel Insurance from Boubyan Takaful Insurance Company :Get free travel insurance coverage up to USD $ 500,000 with your airline ticket purchases. All air tickets purchased with your NBK Miles World MasterCard credit card come with complimentary travel inconvenience insurance that protects you against personal accident, baggage loss or delay, and flight delay or cancellation.

    Click here for more details
  • Global Offers from MasterCard Int’l: Include a variety of global offers from an assortment of top notch hotels, golf courses, restaurants and retail stores.

    Click here for more details
  • Regional Offers from MasterCard:Take advantage of premium lifestyle offers in the Middle East & North Africa regions which include travel, dining, shopping and entertainment.

    Click here for more details
  • Peace of Mind Guaranteed: With NBK’s 24 hour customer helpline (1801801), and outside of Kuwait with the 24 hour MasterCard Global Service available across the world in case of emergency.

    - For an emergency in Kuwait, call 1801801, or from abroad call +965 2224 8361.
    - For an emergency within the United States, call 1-800-627-8372
    - For all other countries you can make a collect call at 1-636-722-7111.
  • Free Valet Parking: Worry no more about finding a parking space. Enjoy free valet parking locally at selected malls and outlets. Click here for more details   
  • Zain AutoPay Facility: Get a 3% discount on the total monthly bill of your Zain Postpaid plan, when paying with your NBK Miles World MasterCard card. With this facility your monthly bills will be settled automatically. Please visit any of Zain’s branches to get this special offer.
  • 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 NBK Online Banking
  • Subscribe to real-time SMS alerts: For secure transactions at home and abroad

Discounts and Offers

More information about Miles World Mastercard Discounts and Offers

Airlines and Lounges

Terms and Conditions

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
0.9375% of the total amount due.  -(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

NBK Miles Points Calculator


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