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    Saturday,August 30,2014

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  • Market Indices
    Price: 9900
    Open: 990High: 1000
    Low: 990Close: 990
    Volume: 1,197,215
    • Summary
      StatusIndexChange %Volume
      Market Closed6446.80 210,548,808
    • Top Gainers

      Company Chg. % Cur. Price
      ISKAN10.6426
      TAIBA7.1475
      AQAR6.2585
      HAYATCOMM6.2585
      EDU6.02176
      KSHC5.8827
      CBK5.88720
      FUTUREKID5.66112
      AJWAN5.2660
      ALMUDON4.6091
    • Top Losers
      Company Chg. % Cur. Price
      HUMANSOFT-22.73425
      GFC-4.4864
      UPAC-4.05710
      BOUBYAN.3-3.20504.870026
      QURAINHLD-3.1730.50
      MARIN-2.94132
      KPPC-2.7870
      SENERGY-2.5039
      MENA-2.1346
      CGC-2.06950
    • By Volume
      Company Volume Price
      GFH`R20,663,91842.50
      ISKAN`R17,829,35426
      ALMAL`R12,481,05048
      GPI`R9,230,789108
      KSHC`R8,566,25527
      COAST`R7,744,39368
      ALMUDON`R7,492,41491
      AAYAN`R6,925,63383
      MUBARRAD`R6,121,78085
      ALDEERA`R5,999,85128.50
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Zain Visa Card

Overview

A unique credit card that brings you the power and benefits of two premiere brands in Kuwait. The NBK Zain Visa card is the only telecom co-branded card in Kuwait and it offers FREE SMS for every Kuwaiti Dinar spent using the card.

Benefits

  • Introductory offer – includes 100 FREE introductory bonus local SMS's  on applying for the card .You also earn 2 Free local SMS's for every KD 1 spent on the card
  • Convenience of automatic bill repayment - Stay connected with automatic payment of Zain bills every month. Get 3 SMS for every KD 1 of the bill value settled. So no more queuing up and missing payments, enjoy the pleasure of staying connected, always.
  • Zero Roaming Deposit– your card allows you to access international calling and roaming facilities without a deposit.
  • 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.Read more...
  • Free Travel Insurance - Get FREE travel insurance coverage up to USD $ 100,000 with your airline ticket purchases. All air tickets purchased with your card come with complimentary travel inconvenience insurance that protects you against personal accident, baggage loss or delay, and flight delay or cancellation.Read more…
  • 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.
    • View and pay your NBK - Zain Credit Card bills
    • View your monthly FREE SMS's accumulated on your NBK - Zain Card
  • Subscribe to real-time SMS alerts for secure transactions at home and abroad.

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
Platinum
Diners
Laki / Titanium
Gold
Classic
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

MasterCard
Visa Card
Diners

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 nbk.com.
    - 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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