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  • Loans Calculator

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

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    You can borrow only a maximum amount of.


    Rate of interest is 5.25% 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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    This is for demonstrative purposes only. Call 1801801 or visit a branch for exact calculations.

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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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    Kuwait Prayer Times
    Tuesday,October 25,2016

    • Fajr 04:36 AM
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    • Dhuhr 11:32 AM
    • Asr 02:44 PM
    • Maghrib 05:08 PM
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World MasterCard


The Thahabi World MasterCard Credit Card is designed to provide unmatched convenience and benefits that have been selected for our distinguished Thahabi customers. The benefits include complimentary access to international airport lounges, 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, as well as local and global offers covering retail, travel, dining and entertainment. With this card you will enjoy exclusive lifestyle offers that have been selected for our distinguished Thahabi customers.

We are confident that the Thahabi World MasterCard experience will be highly rewarding with the features chosen for you.


  • 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.
  • LoungeKey Program: Enjoy the comfort and convenience of LoungeKey, the new airport lounge access program that is designed for World MasterCard Credit Cardholders. With LoungeKey, you get complimentary access to more than 500 lounges in over 300 airports worldwide!
    Simply present your NBK World MasterCard Credit Card along with your travel boarding pass mentioning “LoungeKey” to the lounge staff, and get instant access to any of the airport lounges participating in the LoungeKey program. For any guests accompanying you, your NBK 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 World MasterCard Credit Card today!

    Click here for more information and to enjoy the benefits of LoungeKey!
  • 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. 
  • 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.
  • Priority Check-in at Kuwait International Airport– Regardless of your class of travel, enjoy priority check inat all Etihad Airways check-in counters, and at the Lufthansa Airlines First Class check-in counter.
  • Free Valet Parking:Worry no more about finding a parking space. Enjoy free valet parking locally at select malls and outlets.
  • Local Concierge Service: Helps you to breeze through your busy day by taking care of errands like payment of school fees, car registration, travel arrangements and delivery of your tickets etc..   
  • Starwood Preferred Guest - Buy two nights get the third night free at participating hotels & resorts when you book and pay with your World MasterCard®.
  • Free Travel Insurance and Medical Emergency Coverage from MasterCard – you also get insurance coverage up to US 2,000,000 for travel accidents, travel medical benefits, trip inconvenience, and luggage protection.

    Click here  for World MasterCard - Travel Insurance Claim Form
    Click here  for World MasterCard - Travel Insurance Terms & Conditions

    For inquiries and to request a claim form please contact:
    Tel: +965 2247 4260 / 1/ 2 / 3
    Fax: +965 - 2247 4264
  • 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 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.
  • Extended Warranty –  Your World MasterCard card provides you with “extended warranty” on your new purchases for a period of 12 months in addition to the warranty period provided by the original manufacturer. The extended warranty covers the repair or the replacement of your new purchases up to the coverage amount of USD 2,000.

    Click here  for World MasterCard - Extended Warranty Claim Form
    Click here  for World MasterCard - Extended Warranty Terms & Conditions

    For inquiries and to request a claim form please contact:
    Tel: +965 2247 4260 / 1/ 2 / 3
    Fax: +965 - 2247 4264
  • Fraud Protection: up to USD 4,000 per year to cover fraudulent charges on your World MasterCard

    Click here  for World MasterCard – Fraud Protection Claim Form
    Click here  for World 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
  • Global Offers from MasterCard Int’l-  which include a variety of global offers from an assortment of top notch hotels, golf courses, restaurants and retailers.
  • Regional Offers from MasterCard – Take advantage of premium lifestyle offers in the Middle East & North Africa regions which include travel, dining, shopping and entertainment.
  • Peace of Mind Guaranteed – with the 24 hour customer helpline Hala Thahabi (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 outside call +965 22248361.
    - For an emergency within the United States, call 1800-MasterCard (1-800-627-8372)
    - For all other countries you can make a collect call at 1-636-722-7111.
  • 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.  
  • Instant Discounts – at premium outlets in Kuwait that include shopping,Airlines, and on other special services. 
  • 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.
  • Annual fee is waived from the second year and onwards when you spend KD 5,500 annually with your primary card, and when KD 2,750 is spent annually with the supplementary card.
  • 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.

Welcome to the exciting world of Thahabi World MasterCard card.

Discounts and Offers

More information about World MasterCard Discounts and Offers

Terms & Conditions

Partner Offers Terms & Conditions:

  • Partner discounts are subject to availability and are not valid in conjunction with any existing in-store offer, discount or promotion.
  • Discounts are valid only if purchase is made using your NBK World MasterCard card.
  • Offer is valid only for NBK World MasterCard cardholders. Relatives of NBK World MasterCard cardholders cannot benefit from discounts.
  • List of partners is subject to change  

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
0.895% 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

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 Discounts and Offers, you will enjoy up to 20% off the transaction amount in the form of NBK Rewards Points.NBK Rewards Points must be exchanged for vouchers that can be used at the Discounts and Offers.
  • 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 (KD70 = 1050 points)
    - If discount rate is 10%, KD amount x 10 points (KD 70 = 700 points)
  • How do I find Discounts and Offers 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 Discounts and Offers.
  • 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 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 is the FX rate calculated when using NBK Cards abroad?
    The transaction amount in foreign currency will be converted to KD using the current exchange rate with a 2.75% markup to the rate.


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