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Thahabi MasterCard World


The Thahabi World MasterCard card is designed to provide unmatched convenience and benefits and is offered as a credit card or a charge card. The benefits include free valet parking, concierge service, complimentary airport lounge access, exclusive offers covering retail, travel, dining and much more. In addition to having superior spending power you’ll 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. 


  • 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..   
  • Global Concierge with World Privilege Access - MasterCard offers a dedicated call center service for NBK World MasterCard Credit Cardholders while they are abroad. To benefit from a range of global services, call +49 8950070 4230. The costs of the services provided will be charged to your Thahabi World MasterCard.
  • 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, Amman, Cairo, Riyadh, Jeddah and Dammam. It doesn’t matter how often you travel, or which class you fly. Simply present your Thahabi World MasterCard 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.
  • 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 from Al Ahleia- 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.
    EW Claim Form – World MasterCardClaim Procedure & Policy
  • Purchase Protection -  Have you ever worried about your expensive purchases being damaged or stolen? The ‘’Purchase Protection’’ coverage provided by your World MasterCard card insures you against theft or accidental damage up to USD 20,000 within 90 days from the date of purchase.
    PP Claim Form – World MasterCardClaim Procedure & Policy
  • Travel Accident & Health 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.
    Travel Claim Form- World MasterCardClaim Procedure & Policy
  • Fraud Protection: up to USD 4,000 per year to cover fraudulent charges on your World MasterCard
    Fraud Protection Claim Form    –   World MC - Claim Procedure & Policy
  • 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. -  which include premium lifestyle offers from an assortment of top notch hotels, golf courses, restaurants and retailers.
    - 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, travel & tourism, 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. 

Participating Outlets 

Family, Health and Beauty
  • MotherCare
    - Spend KD 10 & get 5% discount
    - Spend KD 20 & get 10% discount
    - Spend KD 30 or more & get 15% discount

    Sparkles Nail Spa
    - 10% discount on all Spa Services

    The Body shop
    - Spend KD 50 or more & get a free gift of KD 20 value

    The Regency Hotel
    - 15% discount on Room & Suites
    - 15% discount at the Silk Road restaurant
    - 15% discount at the Al Liwan restaurant

    Royale Hayat Hospital
    - 15% discount on hospital rooms types  ( Jasmine, Lotus and Orchid) with or without Garden
    - 15% discount on Labor and Delivery Package(Excluding Lily & Camelia )
    - 15% Outpatient Services (Pediatrics, Antenatal, Pre and Postnatal, Gynecological screening, Surgeries, etc.)
    - 10% discount on CosmeSurge :medical esthetic treatments, laser hair removals, botox, fillers
    For more details click here 

    Markaz Sabir for Bakhour, Eastern & French perfumes
    - 10% discount
    - Sharq area – Al Ghawali Center facing Arraya complex, and Al Sanabel Center next to Amiri hospital

Fashion, Footwear and Accessories
  • BHS
    - Spend KD10 & get 5% discount
    - Spend KD20 & get 10% discount
    - Spend KD30 or more & get 15% discount

    - Spend KD10 & get 5% discount
    - Spend KD20 & get 10% discount
    - Spend KD30 or more & get 15% discount

    - Spend KD10 & get 5% discount
    - Spend KD20 & get 10% discount
    - Spend KD30 or more & get 15% discount

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

    American Eagle Outfitters
    - Spend more than KD 20 and get 5% discount
    - Spend KD 30 and get 10% discount
    - Spend KD 40 or more and get 15% discount

    - Spend KD 10 or more and get 15% discount

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

    - Spend KD 50 and get 20% discount

    - Spend KD 35 or more and get 10% discount

    Payless Shoesource
    - Spend KD 30 or more and get 20% discount

    - Spend KD 50 & get 20% discount

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

    Miss Selfridge
    - Spend KD 40 or more and get 20% discount

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

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

    - Spend KD 40 or more and get 20% discount

    - Spend KD 50 and get 20% discount

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

    Decathlon Sporting Goods store
    - Spend KD 25 or more and get 10% instant discount
    - Decathlon is located at the Marina Mall, 1st Floor, Al Salmiya, Salem Al Mubarak Street 

Furniture & Household
  • Natuzzi
    - 20 % discount
    - 20% discount

    Pottery Barn
    - 10% discount for minimum spend KD 100 on full price merchandise.

    West Elm
    - 10% discount for minimum spend KD 75 on full price merchandise. 

Other Services
  • Kwik Kopy
    - The Business Center: 15% discount

    Computer Trouble Shooter
    - Service for Computers: 10% discount
    Parcel Plus
    - Packing & Shipment Solutions: 10% discount  

Travel & Tourism
  • Boodai Aviation Group
    - 5% discount on packages (ticket + hotel accomodation)

    Lufthansa German Airlines Kuwait
    - Priority Check-In (F Class Counter in Kuwait) regardless of the Class of travel
    - Existing NBK World MasterCard cardholders are advised to enrol in the Lufthansa Miles & More Frequent Flyer Program to earn miles

    Qiblah Travel &Tourism
    - Exclusive deals on luxury hotels in London, Paris, Malaysia, Maldives, Dubai, Muscat, Mauritius, and Seychelles.
    - 5% discount on luxury cruises, Euro Disney Hotels & Holidays and car rentals.
    - Free additional night on select luxury resorts in Maldives, 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 KD 500.
    - Meet & Assist services in Middle East for packages above KD 1,000.
    - Complimentary sightseeing tour for two with every package to any destination above KD 1,000.
    - 10% discount at Printemps (Paris) when purchasing a travel package to Paris.  

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
Annual Fees World
Laki / Titanium
KD 50
KD 50
KD 40
KD 40
KD 40
KD 30
KD 25
KD 25
KD 20
KD 20
KD 20
KD 15
- Free for the first year
- 2nd year 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 
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 8.33%   Min installment KD 20
Monthly flexible fees –
on revolving amount
0.875%  -(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
28th of each month
9th 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 Minimum Income Required to Apply for an NBK Credit Card?
    You’ll be pleased to know that the minimum income requiredis just KD 250 per month to apply for an NBK Visa Classic or MasterCard Classic Credit Card.
  • 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 Infinite, World MasterCard®, Platinum Visa, Platinum MasterCard®and all TitaniumMasterCard®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 must be exchanged for vouchers that can be used 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 (KD70 = 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.
  • Do Prepaid Cards Require a Credit Check?
    No they don’t, which makes them easyto get andeasy to use.
  • Who is Eligible for a Prepaid Card?
    Prepaid cards are available for all customers.
  • 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%).



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