Digital Credit Card

Introducing Qatar’s first Digital Credit Card, available on QIB Mobile App. The innovative new product will enhance your experience, enabling you to safely and securely perform online purchases, as well as adding it to Apple Pay, Google Pay™ and Samsung Wallet without the need to have a physical card.

  • No need for a physical card to make online purchases (full Digital experience)
  • No issuance and renewal fees
  • 10,000 bonus Absher Points on 1st E-comm. Spend
  • Discounts from certain E-com retailers / vendors
  • Available and ready to use instantly on QIB Mobile App to eligible customers
  • View your Digital Credit Card Details through the QIB Mobile App
  • Enable for Apple Pay transactions
  • Earn Absher reward points on your purchases using your card
  • Free lounge access at 25 Airports
  • Option to pay a minimum of 5% of outstanding purchases
  • Carry forward the balance at a monthly Profit Rate of 1%
  • Profit free period of up to 45 days
  • Monthly statements to track your spending
  • Globally accepted

Absher Loyalty Point:

Absher is our way of saying thank you for banking with QIB, The rewards points has been designed to reward you by earning points every time you apply or use selected products or services.

Points earned can be redeemed for vouchers at our prestigious Merchant Partner Outlets, booking airline tickets, Hotels, Online shopping  and many more , or it can be redeemed instantly for making utility bill payments like (Ooredoo, Kahraama and Vodafone) using QIB Awards winning mobile app

Absher Rewards points can also be exchanged for Airline miles with participating airlines which also include Qatar Airways

Enjoy your Absher rewards points by activating your Absher account through the QIB Mobile App or visit:

Card Type International POS/E-Comm. Spends Domestic POS/E-Comm. Spends
Digital Credit Card For every QR 6 spend, earn 1 Point For every QR 8 spend, earn 1 Point
Transactions originating from EEA and UK Countries and merchants under Government, Fuel and Auto dealers as defined by Visa/Mastercard rules will be awarded ONLY 50% of Absher points on any QIB Credit Card.

Dragon Pass – Lounge Access

Your Airport Lounge access with your QIB Mastercard Credit Card is digital. Register your Mastercard Digital Credit Card on the Mastercard Airport Pass app today to access airport lounges. Please download the APP



Mastercard for You

Download the App and enjoy exclusive travel, lifestyle and insurance benefits, plus get discounts at premium hotels, restaurants, shopping destinations and more, all on QIB’s Mastercard Digital Credit Cards.


Download the app and enjoy buy 1 get 1 offers


Download the Careem App and enjoy 20% off on 3 rides every month, simply use Mastercard as a promo code while booking.

Priceless Cities

Access handpicked experiences and offers in cities around the world, visit


Enjoy up to a 30% discount on your international airfare or hotel using your Mastercard Digital Credit Card when booking on Pay with your Mastercard and use promo code: MASTERCARD.


Experience up to 15% off your next car rental and a complimentary upgrade with every rental, worldwide with your Mastercard.

Click here for more details. (Please link the “Click here” to

Use your Mastercard and enjoy 10% discount off the price of your booking on selected properties on your next vacation.

Eligible properties will be marked with the Mastercard promo code.

Simply click here and use the promo code MastercardMEA upon checkout with your Mastercard. Applicable on bookings paid online.

The Bicester Village Shopping Collection

The Bicester Village Shopping Collection is where world-leading brands offer savings of up to 60%, and sometimes more, on the recommended retail price, in their own luxuriously appointed boutiques, all year round.

Cardholders can get access to:

  • VIP invitation (to be exchanged for a VIP card that offers an additional 10% discount on purchases in participating boutiques)
  • 15% discount on shopping packages
  • 15% discount on chauffeur drive experience at participating villages
  • 15% discount on Shopping Express
  • Access to VIP lounges (subject to availability)

Click here for more details on how to redeem. 

Purchase Protection:

Shop with confidence, knowing that the purchases you make with your Mastercard Digital Credit Card are:

  • Protected in case of theft or accidental damage up to 90 days from date of purchase.
  • Covered for up to USD 2,000 per claim and a maximum of USD 5,000 over a 12-month period

Visit: to file a claim.

Terms and conditions apply

Credit Shield Takaful:

Enroll to Credit Shield Takaful program at a nominal fee applied monthly to your Digital Credit Card. Credit Shield Takaful covers your outstanding due on Digital Credit Card, in case you are unable to settle it due to unfortunate incident like death or Permanent disability. Terms and conditions apply. 

ServicesDigital Credit Card
Murabaha Profit1%
Annual / Issuance feeFree
Cash withdrawal FeeN/A
Currency Conversion FeeUSD and GCC – 2%
GBP and Euro – 2.5%
Other Currencies – 3%
Express ServiceFree
Card Cancellation/Closure FeeQR 100
Copy of Sales Voucher and Dispute fees (In case of Invalid disputes)QR 100
Charity Fees2% of Outstanding dues if not paid on time
  • The Cash Back Campaign is for new QIB VISA Digital Credit Card and new QIB Mastercard Digital Credit Cards customers
  • Start date of the campaign 8th May 2022 and end date 2 months form launch date i.e. 7th July 2022
  • Digital cards issued and activated during the campaign period will be qualified for the Cash Back
  • Customer should spend on E Com. within 30 days of card activation to qualify for Cash back
  • Any spends done after 30 days of campaign end date it will not be qualified for the cash back program.
  • Maximum Amount of Cash back cannot exceed QAR 2,000 during the campaign.
  • Customer can avail only 1 time the cash back amount during the campaign
  • Cash back amount will be credited on a monthly basis for last 30 days transactions to the customer card
  • Cash back amount will be credit back to the customers Card Account.
  • Only E-Commerce spends done & reflecting in the Client cards statement during the period of the campaign will be considered as “spends” (billed transactions) for Cash Back calculation
  • Any Client who is delinquent at the time of the Cash Back Calculation will be removed from the cash back list
  • Client agrees that in case of any dispute, the Bank’s records and the Bank’s decision thereof shall be the final decision accepted by Client
  • QIB reserves the right to disqualify any Client from the campaign in the event that abnormal usage patterns are suspected.
  • Only cardholders with card status “Active” and non-delinquent at the time of cash back credit will be eligible.
  • Staff of QIB are excluded from the campaign.

QIB cards terms and conditions apply

To download the app, please click on your Mobile app store icon
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