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QNB Essential Credit Cards


ESSENTIAL members in the Life Rewards program can qualify for Mastercard Platinum or Visa Platinum credit cards. The requirement to become an ESSENTIAL member is to have a salary of up to QAR 15,000 deposited into a QNB account each month.


Earning Life Rewards Points

The fastest way to earn points with the QNB Life Rewards program is to use your Mastercard Platinum or Visa Platinum credit card for all your purchases. Every time and everywhere you pay with your credit card at any merchant you will receive 1 point for every QAR 8 spent automatically.
In addition, you will receive 400 bonus points after you pay with your Mastercard Platinum or Visa Platinum credit card for the first time.


Redeeming Life Rewards Points

You have the opportunity to redeem Life Rewards points in numerous ways at your convenience. With your QNB Life Rewards Mastercard Platinum or Visa Platinum credit card, you can pay with points for your purchases at our participating partner outlets, including fashion & accessories, jewelry, electronics, home furnishing, dining, hotels, supermarkets, health & beauty and travel. You can also choose to redeem points with payment of any outstanding utility bill, or as statement cash back on your credit card with points accumulated.


QNB Credit Cards are Packed with Features and Benefits

Free For Life
Your QNB Life Rewards credit card is free for life. Enjoy the best way to pay with 0 annual fees.
Global Acceptance
You can use your QNB Life Rewards credit card all over the world, without having to worry about carrying cash, at more than 36 million merchant outlets. If you happen to need cash, you can use your credit card to safely withdraw money at more than 3 million ATMs worldwide.
You can also securely shop online through 3D Secure with One Time Password protection.
Interest Free Grace Period and Low Repayment Options
Buy now and pay later. Enjoy up to 45 days of interest free credit for your purchases (not applicable to cash advance) when repaying the full amount.
Minimum payment amount is only 3% of the outstanding balance or QR 100 whichever is greater.
Purchase your travel tickets with your QNB credit card and you and your family (spouse and children) will benefit from a comprehensive Travel insurance, covering personal accidents, medical expenses, travel inconvenience (trip delay, trip cancellation, lost or damaged baggage).
Your QNB Mastercard Platinum or Visa Platinum also comes with a collision damage insurance, that covers you against any losses due to damages that might occur to a rental vehicle, up to a maximum of USD 10,000.
Shop globally with your QNB First credit card and repay in flexible monthly installment plans at 0% interest. Any purchase transaction between QAR 1,000 and QAR 100,000 at any merchant location worldwide, including e-commerce purchase can be converted to SIP by activating your preferred payment plan through QNB Internet Banking.
With the innovative QNB Payment Holiday service, you can now defer your monthly credit card payments to enjoy greater financial freedom. Get 30 additional days to settle your due payment with zero application charges by applying for the QNB Payment Holiday through Internet Banking.
If you are in need of quick cash you can instantly transfer up to 80% from your credit limit to your current account through Internet Banking and repay without hassle in 6 equal monthly installments at 0% interest.
Make your desired purchase and enjoy repayment term of up to 12 equal monthly installments at 0% interest and 0% fees at our selected merchant partners. Shopping for your new big screen TV, spending for your dream holiday or getting that special gift for someone has never been easier!
Additional Benefits
  • SMS Alerts notifications for every transaction made
  • Multiple credit card bill repayment options through Internet Banking, Mobile Banking, ATMs & Self Service machines and even Life Rewards points
  • E-statements directly on your e-mail address
  • 3D Secure service for top notch protection when paying online
  • Mastercard benefits – enjoy special offers and benefits like buy 1 get 1 offers, discounted Careem rides and many more. For the complete list of Mastercard benefits please visit the QNB credit card Benefits section
Supplementary Credit Cards
Share all the benefits of your QNB credit card with your loved ones and they also enjoy Life Rewards points, complimentary lounge access, discounts from Mastercard or be protected by the insurance coverage.
*All insurance benefits shall be subject to the terms and conditions of their respective policies.
For the latest detailed information about Life Rewards program including the participating partners and full range points redemption options, please visit

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