NFC Credit Card Powered by Thawani Pay
Easy to Obtain. Premium to Own.
Easy to Obtain. Premium to Own.
Easy to Obtain. Premium to Own.
Earn unlimited rewards with zero hidden fees. Experience a card designed for the way you live.
Earn unlimited rewards with zero hidden fees. Experience a card designed for the way you live.
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MR
Days interest Free
ZIMW
Auto-enrollment to a loyalty program
ERI
Countries, Global Acceptance
NX
Cash Back on everyday Purchase
Key Features
More Than a Card, A Complete Financial Upgrade
More Than a Card, A Complete Financial Upgrade
100% Digital Application
No paperwork. No branch visit. Apply entirely online.
45-Day Interest-Free
Pay your balance in full each month and enjoy up to 45 days completely interest-free.
1% Cashback
Earn 1% cashback on every purchase. Credited to your account within the same month.
Sama Loyalty Program
You're automatically enrolled to get exclusive discounts and offers at 500 + of businesses across Oman.
No Salary Trasfer
Get access to your credit card experience without the need to transfer your salary
Airport Lounge Access
Get complimentary access to various lounges around the world
Do more with your Credit Cards
Do more with your
Credit Cards
Apply now using the Thawani Pay app, no paper work needed!
Apply Now
Life-style Benefits
A Card That Fits
Every Part of Your Life
A Card That Fits
Every Part of Your Life
A Card That Fits
Every Part of Your Life
From your morning coffee to your next international trip, your card unlocks a suite of lifestyle privileges
From your morning coffee to your next international trip, your card unlocks a suite of lifestyle privileges
24/7 Concierge & Support
Travel & reservation assistance
Available 24/7, at home or abroad
Exclusive Offers & Discounts
Health, beauty & wellness deals
Seasonal promotions & partner rewards
Dining & Entertainment
1% cashback on restaurants in Oman
Special cinema & entertainment offers
24/7 Concierge & Support
Travel & reservation assistance
Available 24/7, at home or abroad
Rewards Program " Sama"
Points on every local & international spend
Redeem on travel, vouchers & partner offers
Exclusive Offers & Discounts
Health, beauty & wellness deals
Seasonal promotions & partner rewards
Auto-enrollment into a world of Rewards with us
Auto-enrollment into a world of Rewards with us
Unlock exceptional discounts and offers at hundreds of merchant locations across Oman, from dining and entertainment to shopping and travel. No sign-up needed. It's already yours.
Unlock exceptional discounts and offers at hundreds of merchant locations across Oman, from dining and entertainment to shopping and travel. No sign-up needed. It's already yours.
Unlock exceptional discounts and offers at hundreds of merchant locations across Oman, from dining and entertainment to shopping and travel. No sign-up needed. It's already yours.
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How it Works
How Thawani Pay
Can Help You
1
Download & Register
Get the Thawani Pay app from the App Store or Google Play. Create your account and complete your identity verification, all in minutes.
2
Apply online
Go to the NFC Credit Card section in the app and submit your application digitally. No forms to print, no branch to visit, just a few taps.
3
Recive, Activate & Tap
Your card is delivered to your door. Activate it instantly in the app and start making contactless NFC payments immediately.
How it Works
How Thawani Pay
Can Help You
1
Lifestyle Payments
Get the Thawani Pay app from the App Store or Google Play. Create your account and complete your identity verification, all in minutes.
2
Apply Online
Go to the NFC Credit Card section in the app and submit your application digitally. No forms to print, no branch to visit, just a few taps.
3
Receive, Activate & Tap
Your card is delivered to your door. Activate it instantly in the app and start making contactless NFC payments immediately.
How it Works
How Thawani Pay
Can Help You
1
Download & Register
Get the Thawani Pay app from the App Store or Google Play. Create your account and complete your identity verification, all in minutes.
2
Apply Online
Go to the NFC Credit Card section in the app and submit your application digitally. No forms to print, no branch to visit, just a few taps.
3
Receive, Activate & Tap
Your card is delivered to your door. Activate it instantly in the app and start making contactless NFC payments immediately.
FAQ
Frequently Asked
Questions
Frequently Asked
Questions
Frequently Asked
Questions
How do I apply for the NFC Credit Card?
Open the 'Credit Card' section in the Thawani Pay App, tap 'Apply Now', and follow the guided steps.
What are the card benefits?
Full digital management, advanced fraud protection, automatic reward of 1% cashback, travel benefits (lounge access), Sama loyalty program, global acceptance, and 24/7 concierge service
What documents are needed?
You need a Salary Certificate, last 3 months' Bank Statement showing salary credits for each month, and your National ID.
How long does the application review take?
NFC reviews your application within 5 minutes once all documents are submitted
Can I save my application as a draft?
Yes, drafts are saved for 15 days so you can continue later.
What happens if my application is rejected?
The app will show the reason (e.g. salary below minimum, expired ID). You can reapply once the issue is resolved.
Can I apply if I am not Omani?
Currently, the card is available to Omani nationals only.
What is the minimum salary requirement?
OMR 500 per month, with a DBR not exceeding 50% of monthly salary.
What is the eligible age range?
Between 18 and 57 years old.
Can I apply if my ID is about to expire?
No, your National ID must be valid for at least 15 days from the date of application.
Why is KYC required before applying?
KYC ensures regulatory compliance and protects your account. It is mandatory before using credit card features.
I did not receive the OTP. What should I do?
Tap 'Resend'. If the issue persists, please contact Call Center (Toll free number- .)80051500
How is my credit limit decided?
NFC calculates your limit based on your salary, employer, and credit score.
What is the e-Mandate?
It is a direct debit authorization allowing your bank to settle card payments automatically.
What happens if I reject the e-Mandate?
Your application will remain pending until accepted. The card cannot be issued without it.
How long does card delivery take?
Typically 5–7 working days after approval.
How do I activate my card?
From Thawani Pay app: Card Settings → Activate Card → Enter card number → Set PIN → Authenticate with biometric or app PIN.
What happens if I enter the wrong PIN multiple times?
After 3 failed attempts, the card is blocked. Please contact Call Center to unblock (Toll free number- 80051500).
How do I pay my outstanding balance?
Via auto-debit (e-Mandate) or manually using your Thawani Wallet or stored debit cards.
What is the minimum payment due?
5% or 100% of the outstanding balance of the last statement amount, whichever applies.
How do I know if my payment was successful?
You will receive in-app confirmation and an SMS notification.
What should I do if my card is lost or stolen?
Block your card immediately in the app and contact Call Center (Toll free number- 80051500).
How do I report a suspicious transaction?
Block your card immediately in the app and contact Call Center (Toll free number- 80051500).
How do I report a suspicious transaction?
Block your card immediately in the app and contact Call Center (Toll free number- 80051500).
Are there annual fees or hidden charges?
All fees are displayed transparently in the app before you apply. There are no hidden charges
How do I view my card details
Authanticate with face ID, or app PIN to view your card number and CVV.
Can I use the card internationally?
Yes, the NFC Credit Card is accepted worldwide wherever Visa is supported
How do I apply for the NFC Credit Card?
Open the 'Credit Card' section in the Thawani Pay App, tap 'Apply Now', and follow the guided steps.
What are the card benefits?
Full digital management, advanced fraud protection, automatic reward of 1% cashback, travel benefits (lounge access), Sama loyalty program, global acceptance, and 24/7 concierge service
What documents are needed?
You need a Salary Certificate, last 3 months' Bank Statement showing salary credits for each month, and your National ID.
How long does the application review take?
NFC reviews your application within 5 minutes once all documents are submitted
Can I save my application as a draft?
Yes, drafts are saved for 15 days so you can continue later.
What happens if my application is rejected?
The app will show the reason (e.g. salary below minimum, expired ID). You can reapply once the issue is resolved.
Can I apply if I am not Omani?
Currently, the card is available to Omani nationals only.
What is the minimum salary requirement?
OMR 500 per month, with a DBR not exceeding 50% of monthly salary.
What is the eligible age range?
Between 18 and 57 years old.
Can I apply if my ID is about to expire?
No, your National ID must be valid for at least 15 days from the date of application.
Why is KYC required before applying?
KYC ensures regulatory compliance and protects your account. It is mandatory before using credit card features.
I did not receive the OTP. What should I do?
Tap 'Resend'. If the issue persists, please contact Call Center (Toll free number- .)80051500
How is my credit limit decided?
NFC calculates your limit based on your salary, employer, and credit score.
What is the e-Mandate?
It is a direct debit authorization allowing your bank to settle card payments automatically.
What happens if I reject the e-Mandate?
Your application will remain pending until accepted. The card cannot be issued without it.
How long does card delivery take?
Typically 5–7 working days after approval.
How do I activate my card?
From Thawani Pay app: Card Settings → Activate Card → Enter card number → Set PIN → Authenticate with biometric or app PIN.
What happens if I enter the wrong PIN multiple times?
After 3 failed attempts, the card is blocked. Please contact Call Center to unblock (Toll free number- 80051500).
How do I pay my outstanding balance?
Via auto-debit (e-Mandate) or manually using your Thawani Wallet or stored debit cards.
What is the minimum payment due?
5% or 100% of the outstanding balance of the last statement amount, whichever applies.
How do I know if my payment was successful?
You will receive in-app confirmation and an SMS notification.
What should I do if my card is lost or stolen?
Block your card immediately in the app and contact Call Center (Toll free number- 80051500).
How do I report a suspicious transaction?
Block your card immediately in the app and contact Call Center (Toll free number- 80051500).
How do I report a suspicious transaction?
Block your card immediately in the app and contact Call Center (Toll free number- 80051500).
Are there annual fees or hidden charges?
All fees are displayed transparently in the app before you apply. There are no hidden charges
How do I view my card details
Authanticate with face ID, or app PIN to view your card number and CVV.
Can I use the card internationally?
Yes, the NFC Credit Card is accepted worldwide wherever Visa is supported
Everything You Need in One App
Licensed, Secure, and Fully Digital
Everything You Need in One App
Licensed, Secure, and Fully Digital
How do I apply for the NFC Credit Card?
Open the 'Credit Card' section in the Thawani Pay App, tap 'Apply Now', and follow the guided steps.
What are the card benefits?
Full digital management, advanced fraud protection, automatic reward of 1% cashback, travel benefits (lounge access), Sama loyalty program, global acceptance, and 24/7 concierge service
What documents are needed?
You need a Salary Certificate, last 3 months' Bank Statement showing salary credits for each month, and your National ID.
How long does the application review take?
NFC reviews your application within 5 minutes once all documents are submitted
Can I save my application as a draft?
Yes, drafts are saved for 15 days so you can continue later.
What happens if my application is rejected?
The app will show the reason (e.g. salary below minimum, expired ID). You can reapply once the issue is resolved.
Can I apply if I am not Omani?
Currently, the card is available to Omani nationals only.
What is the minimum salary requirement?
OMR 500 per month, with a DBR not exceeding 50% of monthly salary.
What is the eligible age range?
Between 18 and 57 years old.
Can I apply if my ID is about to expire?
No, your National ID must be valid for at least 15 days from the date of application.
Why is KYC required before applying?
KYC ensures regulatory compliance and protects your account. It is mandatory before using credit card features.
I did not receive the OTP. What should I do?
Tap 'Resend'. If the issue persists, please contact Call Center (Toll free number- .)80051500
How is my credit limit decided?
NFC calculates your limit based on your salary, employer, and credit score.
What is the e-Mandate?
It is a direct debit authorization allowing your bank to settle card payments automatically.
What happens if I reject the e-Mandate?
Your application will remain pending until accepted. The card cannot be issued without it.
How long does card delivery take?
Typically 5–7 working days after approval.
How do I activate my card?
From Thawani Pay app: Card Settings → Activate Card → Enter card number → Set PIN → Authenticate with biometric or app PIN.
What happens if I enter the wrong PIN multiple times?
After 3 failed attempts, the card is blocked. Please contact Call Center to unblock (Toll free number- 80051500).
How do I pay my outstanding balance?
Via auto-debit (e-Mandate) or manually using your Thawani Wallet or stored debit cards.
What is the minimum payment due?
5% or 100% of the outstanding balance of the last statement amount, whichever applies.
How do I know if my payment was successful?
You will receive in-app confirmation and an SMS notification.
What should I do if my card is lost or stolen?
Block your card immediately in the app and contact Call Center (Toll free number- 80051500).
How do I report a suspicious transaction?
Block your card immediately in the app and contact Call Center (Toll free number- 80051500).
How do I report a suspicious transaction?
Block your card immediately in the app and contact Call Center (Toll free number- 80051500).
Are there annual fees or hidden charges?
All fees are displayed transparently in the app before you apply. There are no hidden charges
How do I view my card details
Authanticate with face ID, or app PIN to view your card number and CVV.
Can I use the card internationally?
Yes, the NFC Credit Card is accepted worldwide wherever Visa is supported