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  • 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 5.25% pa.

    24 Months

    Adjust repayment tenure to change EMI

    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.

  • Term Deposit Calculator

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

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  • 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

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  • Prayer Timings

    Kuwait Prayer Times
    Thursday,August 25,2016

    • Fajr 03:59 AM
    • Sunrise 05:21 AM
    • Dhuhr 11:50 AM
    • Asr 03:25 PM
    • Maghrib 06:18 PM
    • Isha 07:39 PM
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  • NBK Miles Points Calculator

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 withCareem.
  • 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 

  • Old Navy

    10% discount

    Location       Opening Times     Contact
    Marina Plaza next to Marina
    Mall, Salmiya
        Sat to Wed : 10:00 am to 10:00 pm
        Thu to Fri – 10:00 am to 11:00 pm

    Social Media:
    Instagram: @oldnavykw
    Facebook: Old Navy Kuwait

  • Adolfo Dominguez

    10% discount

    Location     Opening Times     Contact
    The Avenues Mall, Phase 2

         Sunday to Thursday from 10am – 10pm
         Friday to Saturday  from 10am – 11pm


    Social Media:
    Instagram:    @ adolfo_dominguez  

  • Boggi

    10% discount

    Location  Opening Times     Contact
    Marina Mall     10:00 am to 10:00 pm     2220 8206
    The Avenues Mall     10:00 am to 10:00 pm     2220 1904


  • BHS 

    Spend KD10 & get 5% discount     
    Spend KD20 & get 10% discount     
    Spend KD30 or more & get 15% discount 
  • Claire's  

    Spend KD10 and get 15% discount

    Spend KD 100 or  more and get 10% discount      
    Spend KD 150 or more and get 15 % discount 


    15% off upon spending KD 40 and above


    15% OFF on purchase above KD 30 or more


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


    Spend KD 50 and get 15% discount


    Spend KD20 & get 10% discount     
    Spend KD30 or more & get 15% discount

    Milano Spend

    KD50 and get 15% discount

    Miss Selfridge 

    Spend KD 40 or more and get 15% discount 


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


    Spend 50KD and get 15% off


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


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


    Spend KD 15 or more and get 10% discount

    River Island  

    Spend KD 50 or more and get 15% discount


    Spend KD 40 or more and get 15% discount


    Spend KD 50 or more and get 15% discount 


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

  • Mattress Zone

    30% Discount on all bedding & mattress products

    Showroom location:  Al Farwaniya, Dajeej area, Qassem Boland Complex, opposite 6th Ring Road

    Sunday to Thursday 9:00am to 1:00 pm and 4:30 pm to 9:30 pm

    Friday 5:00 pm to 9:30 pm

    Tel: 66679663 / 24342740 / 96007527

    Social Media:
    Instagram:    @MattressZoneKw
    Facebook: MattressZoneKw
    Twitter: MattressZoneKw

  • Pottery Barn 

    Spend KD 100 or more and get 10% discount 

    West Elm  

    Spend KD 75 or more and get 10% discount 
  • Solaris & Vision Express

    Spend KD 60 and get 10% discount  
    Spend KD 80 and get 15% discount    

  • Decathlon

    Spend KD25 and get 10% discount 
    Al Salmiya: Salem Al Mubarak Street - Marina Mall - Retail Floor 1 - Tel: 22208216 - 22208217
    Saturday to Wednesday from 10:00 AM to 10 PM.
    Thursday to Friday From 10:00 AM to 11:00 PM.


    Spend KD 35 or more and get 10% discount 

  • Eithad Airways

    10% on Coral Economy  
    15% on Diamond First Class and Pearl Business Class  
    Priority Check-in at Kuwait international airport 
    Luftanza Airlines 

    Priority Check-In (First Class Counter) regardless of the Class of travel 
    Existing NBK World MasterCard & Visa Infinite cardholders enrolled in the Lufthansa Miles & More Frequent Flyer Program are eligible for points  

Hospitals and Clinics
  • Global Lab

    Offer Details:
    30% Discount on all medical lab tests within Kuwait
    10% Discount on lab tests sent outside Kuwait

    Address and contact info:
    Salmiya - Block 9 - Baghdad St - Boulevard  7 - or Gulf road opposite to  Sultan Center restaurant - Sayed Ali Tower 4th floor

    Phone:  +965 25725127
                 +965 25725128
                 +965 96089090

    Business hours:
    Saturday To Wednesday: 8:00 am to 11:00 pm.
    Thursday: 8:00 am to 8:00 pm.
    Friday: closed

    Social Media:
    Instagram:    @ global_labs
    Facebook: Global Lab
    Twitter: global_lab

  • Royale Hayat Hospital

    15% discount on hospital rooms types  (Jasmine, Lotus and Orchid) with or without Garden
    15% Outpatient Services (Pediatrics, Antenatal, Pre and Postnatal, Gynecological screening, Surgeries, etc.) 
    10% discount on CosmeSurge: medical esthetic treatments, laser hair removals, botox, fillers
    15% Labor and Delivery Package (Excluding Lily)
    Tel: 25360000

    New Smile Dental Spa Center

    15% discount on cosmetic services and orthodontics (braces) 
    20 % discount in all clinic services
    Al Salmiya: Amro Ibn Al Aas Street, behind Al Seef Hospital - Tel: 25710333

    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

    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


  • Parcel Plus  

    10% discount  
    Sharq Tel: 22458497/8
    Rawda Tel: 22548602
    Surra Tel: 25034787
    Salmiya Tel: 25748993 / 4
    AUK  Tel: 1802040 Ext. 229

  • Al Jothen Gallery 

    10% discount for Purchase worth KD 25 
    15% discount for purchase worth KD 50
    20% discount for purchase worth KD 100
    Salmiya: Hamad Al Mubarak Street
    Farwaniya: Maghateer Mall, Farwaniya
    Shuwaikh: Life Center Mall, Shuweikh
    Ageila: Liwan Mall, Ageila - Jaber Al Ali: Jaber Al Ali Co-operative - Tel: 23846646
    Salmiya: 9 am to 10 pm ( Friday 5pm - 9 pm)
    Shuwaikh and Farwaniya: 9:30 – 9:30 (Friday 5pm -10pm )
    Jaber Al Ali: 10am – 2pm   / 6pm – 10pm  (Friday 5pm -9:30 pm)
    Liwan:  10 am – 10m  (Friday 5-9:30)

    For more details click here

    Bath & Body work  

    Extra 10% off any total purchase of KD 40 or more

    Markaz Saber  

    10% discount on Arabic, French Perfume and Bekhour  
    Kuwait -Sharq –Ghawali Center: Al -Shohada St. Basment shop No.4-opposite Al-Raya Complex - Tel: 965-22320575.
    Working hours: daily from (  9:00AM -1:30PM)  & ( 4:00PM - 9:30PM ) - Friday: from 4:00PM till 9:30PM
    Kuwait –Sharq - Al Sanabel Complex:Ground floor –Shop NO 12 near Amiri Hospital opposite Shaoun Ministry - Tel: 965-99086582.
    Working hours daily from (  8:00AM -9:00PM ) - Friday from 4:00PM till 9:30PM
    The Body Shop 

    Free gift worth KD 20 on purchase of KD 50 & above

    Victoria’s Secret

    Spend 25 KD and get 10% off

    Victoria’s Secret / Pink
    Spend 30 KD and get 15% off

Spas & Gyms
  • Elements Spa by Banyan Tree, Kuwait

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

    Six Senses Spa  

    10% discount on Six Senses Signature Massages and Facials (50 mins and 80 mins)
    10% 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, Arabian Gulf Street P.O. Box 1113, Salmiya 22012, Kuwait
    T: 00965  2577 0077
    E : 

    The Palms Beach Hotel & Spa - Kuwait 

    10% discount on all type of Annual Memberships
    A free Night stay subject to advanced booking and hotel availability
    4 guest vouchers per year
    2 personal training sessions
    1 Swedish massage at the Orchid Spa
    15% Discount on Palmerie “Int’l & Arabic buffet Restaurant”.
    10% Discount on Tagine “Moroccan Restaurant & Lounge”.
    15% Discount on the Gourmet Corner.
    10% Discount on the Orchid Spa, specialized spa for Body and facial treatments.
    Al Ta'awon Street, Al Bida’a area - Tel: +965 1824060 - Hotel business hours: 24/7
    Palmerie & the Gourmet Corner:  Business Hours 6:00 AM to 11:00 AM, and 12:30 PM to 4:00 PM, and 7:00 PM to 11:00 PM.
    Tagine Restaurant: 12:30 PM to 3:30 PM, and 7:00 PM to 11:00 PM.
    The Spa: 9:00 AM to 9:00 PM
    Beach Club: 6:00 AM to 12:00 AM (Midnight)  

Travel Agencies
  • IFA International Travel & Tourism

    7% Instant discount when purchasing travel packages
    Arzan Tower 5th Floor,
    Address: Ahmed Al Jaber Street, Sharq, Kuwait city
    Tel:+965 1833300
    Business Hours: 8:30 am – 8:00 pm


    5% instant discount when purchasing travel packages (Airlines ticket & Hotel accommodation )
    Free delivery of airline tickets and hotel booking confirmation to your home or office
    Free 24/7 emergency phone lines service locally and when abroad
    Assistance in obtaining the necessary travel visas from embassies that don’t require your personal presence. Travel visa charges are borne by the traveler.
    Monthly E-Newsletter with the latest special travel offers & promotions.

    Boodai Holidays Center
    Business Hours: from 8:00 am to 8:00 pm
    Tel/direct : +965 2242 7123, & +965: 2240 3778
    Tel/call center: +965 1887887 Ext: 301/304/305
    Address: Sulaiman center, opposite fire station, Al Shuhada street, Kuwait City.

    Boodai Aviation Airport Branch (24 Hours service)
    Tel/direct: +965 9964 0836
    Address: Kuwait International Airport.

    Qiblah Travel &Tourism  

    Exclusive deals on luxury hotels in London, Paris, Malaysia, Maldives, Dubai, Muscat, Mauritius, and Seychelles* 
    5% 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 centre 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 1000. 
    Complimentary sightseeing tour for two, with every package to any destination above KD 1000. 
    Qiblah 24 hours contact center on Tel: 22317777.
    10% discount at Printemps (Paris) when purchasing a travel package to Paris.


  • The Regency Hotel

    15% discount on Room & Suites 
    Al Bida'a:  Al Tawoon Street, Salmiya , State of Kuwait - Tel: +965 25766666 - Ext: 600 

  • Choowy Goowy

    15% discount

    The Avenues - Phase 222597949
    The Promenade Mall - Hawalli      

    Every day from : 9:00 am to 10:00 pm
    Delivery Time: 12:00 pm to 10:00 pm


    Social Media:
    Instagram: @ChoowyGoowy
    Facebook: Choowy Goowy 

  • Kateh

    15% Discount

    Murouj, Subhan Area, 6th Ring Road

    Working hours from 12:00 pm till 11:30 pm

    Tel: 22050276 -22050277

    Social Media:
    Instagram:    @Kateh_restaurant

  • Nino

    15% discount

    Location     Contact
    Bneid Al-Ghar, Waterfront  22541900 – 22542900
    The Avenues, Phase 1  22597378 – 22597379
    Arabella, Al Bidaa Area  22255288
    Divonne, Abu Al-Hasaniya Area  22271360
    The Cube, Salmiya  22056611

    Working days/ hours:
    Working hours from 12:00 pm till 11:30 pm.


    Social Media:
    Instagram: @Nino_restaurant

  • Leila Min Lebnan

    20% discount

    The Avenues Mall  22597431 - 22597430
    Salhiya Plaza  22996414 - 22996415
    The Cube, Salmiya      22056691

    Working hours from 9:30 am until 11:30 pm


    Social Media:
    Instagram: @Leila_kuwait 

  • Posh Cafe

    15% discount

    360 Mall           25309600

    Working hours from 9:00 am until 11:00 pm


    Social Media:
    Instagram: @Poshcafe 

  • Figs

    15% discount

    360 Mall, 2nd Floor, Sky Lounge      25309559
    Grand avenue, Avenues Mall22200698

    Working hours from 9:30 am until 11:30 pm


    Social Media:
    Instagram: @FigsKuwait 

  • Kosebasi

    15% discount

    Location     Contact
    The Avenues Mall 22201910
    Arabella Mall     22270168
    Tavern 2     25310491
    The Cube Mall     22251303   

    Working days/ hours:
    Every day from 9:00 am until midnight, breakfast from 9:00 am until 12:00 pm.

    Social Media:
    Instagram: @kosebasiarabia

  • The Regency Hotel

    15% discount on Food & beverage in Silk Road restaurant  
    15% discount on Food & beverage in Al Liwan restaurant
    Al Bida'a: Al Tawoon Street, Salmiya , State of Kuwait
    Tel: +965 25766666 - Ext: 600 

  • The Confectioners Shop

    Pay KD 5 or more and get 1 free coffee or espresso

    Tilal Complex – Jahra St, Shuwaikh
    10:00 am to 10:00 pm
    Tel: 22256484 / 97736445

    Instagram: @tcs_kwt

  • The Tea Room

    Pay KD 5 or more and get 1 free coffee or espresso

    KIPCO Tower - Mezzanine 2, Al-Shuhada Street, Sharq , Kuwait City
    8:30 am to 11:00 pm
    Tel: 98872910

    Instagram: @thetearoom_kw 
  • Fantasy World Toys

    10% discount


    Al Rai, Ghazali Street 
    The Avenues, 2nd Avenue
    Souk Sharq
    Salmiya, Al Bustan Mall

    Working days / hours:
    10:00 am to 10:00 pm,
    7 days a week, all showrooms.

    Contact Number:
    Tel: 24714611 – 24714811

    Social Media:
    Facebook: fantasyworldtoyskuwait
    Instagram: @fantasyworldtoys
    YouTube: fantasyworldtoyskw 

  • 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

Training Centers
Other Services
  • M Flowers

    10% discount for all courses

    Kuwait City - Sharq - Ahmed al Jaber street - Dar Al Awadhi Complex

    Saturday to Thursday 10:00 am to 8:00 pm
    Closed on Friday 

    Tel: 69676868

    Instagram: @mflowerskw

  • 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


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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