3% Cashback Credit Card

Exclusions

The following transactions are not eligible for cashback

• Government-related payments (e.g., utilities, fines, taxes)
• International transactions (POS or online)
• Cash Withdrawal

• If you make an eligible spend on any of the above Cashback Categories on your Cashback Credit Card you will be entitled to earn the relevant Cashback as specified in the table above. Please note that any Cashback will be limited to a maximum Cashback of OMR 15 per statement cycle, (“Cashback”).
• The maximum Cashback specified above that you can earn in each statement cycle will apply to each Account irrespective of the number of Primary or Supplementary cards you hold.
• Cashback accrued for transactions by a Supplementary Cardholder shall be credited to the Cashback Credit Card account (“Account”) of the Primary Cardholder. Where a Supplementary Cardholder has a separate limit the Cashback will be earned on transactions done on the Supplementary card and will be credited to the Supplementary card.
• Cashback cannot be exchanged for any other rewards, and is not refundable, replaceable, or transferable under any circumstances, and cannot be re-converted back to Cashback accrued. Only retail purchases made on the eligible Cashback Categories by you using your Cashback Credit Card qualify for the Cashback.
• The following transactions will not be eligible for earning Cashback:
   - Flexi Instalment Plan;
   - Quasi cash transactions (including but not limited to currency exchange);
   - All cash withdrawal;
   - Finance and other fees ,charges and VAT charges 
   - Any credit transaction including as but not limited to refunds, reversals, refund of disputed transactions;
   - Any unauthorized or fraudulent retail transaction; or
   - Any other transactions determined by us from time to time.
  Unless expressly stated in these Cashback Credit Card Terms and Conditions, or otherwise notified to you, you are not entitled to earn Cashback from any other categories of transactions.
• We may at our discretion change the types of transactions and or Cashback Categories which are eligible for Cashback.
• Only retail purchases that have been posted to your Account within your statement cycle period will be eligible for Cashback in that month. Please note the date your transaction is posted to your Account may be later than the actual transaction date. For example, if your statement cycle (i.e. when your statement is generated) is on the 3rd  of the month and a purchase made on the 4th  of the month is posted to your Account on the 1st of the following month, the Cashback will only be accrued for this particular transaction in the next statement cycle.
• If a Supermarket or a Fuel spend has been made online at a merchant located in the Oman, we will apply the Cashback Category according to the spend classification as determined by Visa.
• Pre-authorizations on your Cashback Credit Card will not qualify for the purposes of your eligibility towards the Cashback unless the transaction is authorized and posted to your Account.
• If your Cashback Credit Card is lost or stolen and you dispute any purchases; and/or purchases made on your Cashback Credit Card are declined by the merchant or refunded; such purchases will not qualify as spends and will not considered for Cashback. In the event that your Cashback Credit Card is lost or stolen, you can continue making purchases with your replacement Cashback Credit Card when you receive it and all such purchases made will continue to qualify for Cashback.
• Any decision on how spends are classified for each Cashback Category is according to the classification as determined by Visa. Any decision about whether spends on purchases qualify as spends for the purposes of Cashback shall be resolved by us in our sole discretion and our decision is final. 
   

This is the period which starts the date your statement is issued and continues until the next statement. 

Any Cashback accrued for transactions posted to your Cashback Credit Card from the last statement date up to the date of closure will be credited to your card and will be treated as a payment towards your outstanding balance. You will then have to clear any remaining balance before the Cashback Credit Card can be closed.

Cashback accrued or credited for any retail transaction that is subsequently reversed or refunded (“Reversed Cashback”) will automatically be reversed from the total Cashback amount eligible in the statement cycle when the refund or reversal has been received. Where you have no Cashback in such next statement cycle, the Reversed Cashback will be due from you and you will remain liable until we receive such amount.

The annual fee can be found in our Schedule of Services and Tariffs on our website. From time to time we may publish an offer on our website. If you meet the qualification criteria, your annual fee for that year will be waived. Otherwise, the annual fee will be due annually thereafter where applicable. 

• You are eligible for only one Primary Cashback Credit Card. 
• You must be up to date on all your payments on your Cashback Credit Card and not exceed the credit limit at all times in order to be eligible for Cashback. If any payments are overdue on your Cashback Credit Card, or at any stage you are in breach of any of the General Terms or these Cashback Credit Card Terms and Conditions, or if your Cashback Credit Card has been suspended, blocked or cancelled by us, your spends will not qualify for the purpose of Cashback.
• These Terms and Conditions shall be governed in all respects by the federal laws of the Sultanate Oman, and in particular by the laws of the Sultanate of Oman. All disputes relating to these Terms shall be subject to the exclusive jurisdiction of the Sultanate of Oman.