Calculation of Cashback for All customers on Prepaid cards only: if the used card was Prepaid, the total cashback will be 1% of the total transaction regardless of the segment of the customer and the maximum cashback is capped at KD 150 only for all segments. if customer uses prepaid card, cashback calculation cannot be higher than KD 150. my segment is almassy and my spends are 2000 internationally abroad and 1000 locally in kuwait calculate my cashback? The cashback calculation for prepaid cards is 1% irrespective of the total amount of the transactions, so the cashback for your prepaid card would be the sum of the international and local spends --> (2000 + 1000) = (3000 * 1%) which is KD 30. I am alsafwa and I spent kd 20000 for my prepaid card, calculate my cashback? The cashback calculation for prepaid cards is 1% irrespective of the amount of the transactions, so the cashback for your prepaid card would be KD 200 (20000 * 1%). However, the maximum cashback is capped at KD 150, and the total cashback calculation is KD 200 which is greater than the maximum cashback for Prepaid card of KD 150, So your total cashback would be KD 150 only. I am w and I spent kd 12000 for my prepaid card, calculate my cashback? The cashback calculation for prepaid cards is 1% irrespective of the amount of the transactions, so the cashback for your prepaid card would be KD 120 (12000 * 1%). Local and international transaction: total spent transactions mean the amount of money spent on local and international transactions. local transactions are any transactions made inside Kuwait only while international transactions are any transactions made outside Kuwait (abroad). For example countries outside Kuwait are considered as an international transaction. Calculation of Cashback for Mastercard World and World Elite credit card only: The cashback calculation depends on 3 main factors: customer segment, the total amount of the transactions and the card type. For Al Safwa / Al Safwa Plus / Al Massy and W customers, on Mastercard World and World Elite credit, if the total spent transactions are less than KD 3000, the cashback rate is 3%. If the total spent transactions are higher than KD 3000, the cashback rate is 6% for international transactions only. For Normal segment customers, the cashback rate is 1% irrespective of the amount of the total spent transactions. Calculation of cashback for W customers on Mastercard World and World Elite credit card only has 3 cases: 1- for W customers on Mastercard World and World Elite credit card only,If the total spent transactions are less than KD 3000 with international spends and local spends. For example, W customer spend transactions are 500 international and 1000 local, the total cashback will be as follow: Since the total transactions of (international + local) (500 + 1000) = 1500 less than or equal to 3000, then the customer will be awarded 3% of the (international transaction + local transaction), therefore the calculation will be: 3% on the total transactions (1500 *3 % = 45) --> giving you a total cashback of KD 45. 1-a) for W customers on Mastercard World and World Elite credit card only, If the total spent transactions are less than KD 3000 with international spends only. For example, W customer spend transactions are 500 international and 0 local, the total cashback will be as follow: Since the total transactions of (international + local) (500 + 0) = 500 less than or equal to 3000, then the customer will be awarded 3% of the (international transaction + local transaction), therefore the calculation will be: 3% on the total transactions (500 * 3% = 15) --> giving you a total cashback of KD 15. 1-b) for W customers on Mastercard World and World Elite credit card only, If the total spent transactions are less than KD 3000 with local spends only. For example, W customer spend transactions are 0 international and 1000 local, the total cashback will be as follow: Since the total transactions of (international + local) (0 + 1000) = 1000 less than or equal to 3000, then the customer will be awarded 3% of the (international transaction + local transaction), therefore the calculation will be: 3% on the total transactions (1000 * 3% = 30) --> giving you a total cashback of KD 30. 2- for W customers on Mastercard World and World Elite credit card only, If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is below KD 300. For example, W customer spend transactions are 3000 international and 1000 local, the total cashback will be as follow: Since the total transactions of (local + international) (1000 + 3000) = 4000 greater than or equal to 3000, then the customer will be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (3000*6% = 180) and 3% on the local transactions (1000*3% =30) --> giving you a total cashback of KD 210. 2-a) for W customers on Mastercard World and World Elite credit card only, If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is below KD 300 with international spends only. For example, W customer spend transactions are 3000 international and 0 local, the total cashback will be as follow: Since the total transactions of (international + local) (3000 + 0) = 3000 greater than or equal to 3000, then the customer will be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (3000 * 6% = 180) and 3% on the local transactions (0 * 3% = 0) --> giving you a total cashback of KD 180. 2-b) for W customers on Mastercard World and World Elite credit card only, If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is below KD 300 with local spends only. For example, W customer spend transactions are 0 international and 3000 local, the total cashback will be as follow: Since the total transactions of (international + local) (0 + 3000) = 3000 greater than or equal to 3000, then the customer will be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (0 * 6% = 0) and 3% on the local transactions (3000 * 3% = 90) --> giving you a total cashback of KD 90. 3- for W customers on Mastercard World and World Elite credit card only, If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is above KD 300. For example, W customer spend transactions are 25000 international and 1000 local, the total cashback will be as follow: Since the total transactions of (international + local) (25000 + 1000) = 26000 greater than or equal to 3000, then the customer will be awarded be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (25000 * 6% = 1500) and 3% on the local transactions (1000 * 3% =30) --> giving you a total cashback of KD 1530, but since the total cashback calculation KD 1530 exceeds the maximum amount of cashback W segment, which is KD 300, Warba Bank will only return KD 300, and this will be the total cashback. 3-a) for W customers on Mastercard World and World Elite credit card only, If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is above KD 300 with international spends only. For example, W customer spend transactions are 25000 international and 0 local, the total cashback will be as follow: Since the total transactions of (international + local) (25000 + 0) = 25000 greater than or equal to 3000, then the customer will be awarded be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (25000 *6 % = 1500) and 3% on the local transactions (0 * 3% = 0) --> giving you a total cashback of KD 1500, but since the total cashback calculation KD 1500 exceeds the maximum amount of cashback W segment, which is KD 300, Warba Bank will only return KD 300, and this will be the total cashback. 3-b) If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is above KD 300 with local spends only. For example, W customer spend transactions are 0 international and 25000 local, the total cashback will be as follow: Since the total transactions of (international + local) (0 + 25000) = 25000 greater than or equal to 3000, then the customer will be awarded be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (0 * 6% = 0) and 3% on the local transactions (25000 * 3% = 750) --> giving you a total cashback of KD 750, but since the total cashback calculation KD 750 exceeds the maximum amount of cashback W segment, which is KD 300, Warba Bank will only return KD 300, and this will be the total cashback. If the total cashback calculation for a W customer was above KD 300, Warba Bank will only return KD 300 as this is the maximum cashback for W segment. Calculation of cashback For Al Safwa / Al Safwa Plus and Al Massy customers on Mastercard World and World Elite credit card only has 3 cases: 1- If the total spent transactions are less than KD 3000. For example, For Al Safwa / Al Safwa Plus and Al Massy, customer spend transactions are 500 international and 1000 local, the total cashback will be as follow: Since the total transactions of (local + international) (1000 + 500) = 1500 less than or equal to 3000, then the customer will be awarded 3% of the (international transaction + local transaction), therefore the calculation will be: 3% on the total transactions (1500 * 3% = 45) --> giving you a total cashback of KD 45. 1-a) If the total spent transactions are less than KD 3000. For example, For Al Safwa / Al Safwa Plus and Al Massy, customer spend transactions are 500 international and 0 local, the total cashback will be as follow: Since the total transactions of (local + international) (0 + 500) = 500 less than or equal to 3000, then the customer will be awarded 3% of the (international transaction + local transaction), therefore the calculation will be: 3% on the total transactions (500 * 3% = 15) --> giving you a total cashback of KD 15. 1-b) If the total spent transactions are less than KD 3000. For example, For Al Safwa / Al Safwa Plus and Al Massy, customer spend transactions are 0 international and 1000 local, the total cashback will be as follow: Since the total transactions of (local + international) (0 + 1000) = 1000 less than or equal to 3000, then the customer will be awarded 3% of the (international transaction + local transaction), therefore the calculation will be: 3% on the total transactions (1000 * 3% = 30) --> giving you a total cashback of KD 30. 2- If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is below KD 500. For example, for Al Safwa / Al Safwa Plus and Al Massy, if customer spend transactions are 3000 international and 1000 local, the total cashback will be as follow: Since the total transactions of (local + international) (1000 + 3000) = 4000 greater than or equal to 3000, then the customer will be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (3000 * 6% = 180) and 3% on the local transactions (1000 * 3% = 30) --> giving you a total cashback of KD 210. 2-a) If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is below KD 500. For example, for Al Safwa / Al Safwa Plus and Al Massy, if customer spend transactions are 3000 international and 0 local, the total cashback will be as follow: Since the total transactions of (local + international) (0 + 3000) = 3000 greater than or equal to 3000, then the customer will be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (3000 * 6% = 180) and 3% on the local transactions (0 *3 % = 0) --> giving you a total cashback of KD 180. 2-b) If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is below KD 500. For example, for Al Safwa / Al Safwa Plus and Al Massy, if customer spend transactions are 0 international and 3000 local, the total cashback will be as follow: Since the total transactions of (local + international) (0 + 3000) = 3000 greater than or equal to 3000, then the customer will be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (0 * 6% = 0) and 3% on the local transactions (3000 * 3% = 90) --> giving you a total cashback of KD 90. If the total cashback calculation for the segments Al Safwa, Al Safwa Plus and Al Massy customer was above KD 500, Warba Bank will only return KD 500 as this is the maximum cashback for these segments. 3- If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is above KD 500. For example, For Al Safwa, Al Safwa Plus and Al Massy customer spend transactions are 25000 international and 1000 local, the total cashback will be as follow: Since the total transactions of (local + international) (25000 + 1000) = 26000 greater than or equal to 3000, then the customer will be awarded be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (25000*6% = 1500) and 3% on the local transactions (1000*3% =30) --> giving you a total cashback of KD 1530. But since the total cashback calculation KD 1530 exceeds the maximum amount of cashback for Al Safwa, Al Safwa Plus and Al Massy segments which is KD 500, Warba Bank will only return KD 500 and this will be the total cashback. 3-a) If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is above KD 500. For example, For Al Safwa, Al Safwa Plus and Al Massy customer spend transactions are 25000 international and 0 local, the total cashback will be as follow: Since the total transactions of (local + international) (25000 + 0) = 25000 greater than or equal to 3000, then the customer will be awarded be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (25000 * 6% = 1500) and 3% on the local transactions (0 * 3% = 0) --> giving you a total cashback of KD 1500. But since the total cashback calculation KD 1500 exceeds the maximum amount of cashback for Al Safwa, Al Safwa Plus and Al Massy segments which is KD 500, Warba Bank will only return KD 500 and this will be the total cashback. 3-b) If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is above KD 500. For example, For Al Safwa, Al Safwa Plus and Al Massy customer spend transactions are 0 international and 25000 local, the total cashback will be as follow: Since the total transactions of (local + international) (25000 + 0) = 25000 greater than or equal to 3000, then the customer will be awarded be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (0 * 6% = 0) and 3% on the local transactions (25000 * 3% = 750) --> giving you a total cashback of KD 750. But since the total cashback calculation KD 750 exceeds the maximum amount of cashback for Al Safwa, Al Safwa Plus and Al Massy segments which is KD 500, Warba Bank will only return KD 500 and this will be the total cashback. Examples of cashback calculation: my spends are 2999 internationally and 1 kd locally, calculate my cashback if i am w segment? The total transactions of (local + international) (1 + 2999) = 3000, which is greater than or equal to KD 3000. Therefore, the customer will be awarded 6% of the international transaction (2999*6% = 179.94) and 3% of the local transaction (1*3% = 0.03) --> giving you a total cashback of KD 179.97. calculate my cashback if i am alsafwa and my spends are 3000 international and 1000 local? The total transactions of (local + international) (1000 + 3000) = 4000 greater than or equal to 3000, so the customer will be awarded 6% of the international transaction (3000*6% = 180) and 3% of the local transaction (1000*3% =30) --> giving you a total cashback of KD 210. Maximum Cashback: The maximum cashback amount varies based on the customer segment. The maximum amount for ALMASSY, ALSAFWA PLUS and ALSAFWA is equivalent and set at KD 500., while the maximum amount for W is KD 300. The maximum amount for Normal is KD 150. Exceeding the Maximum Cashback: If any of the customer segments Al Massy, AlSafwa Plus, AlSafwa, W or normal exceed the maximum cashback amount, Warba Bank will only return the maximum amount. For example, if the Al Massy segment exceeds the maximum amount of KD 500, Warba Bank will only return KD 500. The same applies to the W segment with a maximum amount of KD 300, and the Normal segment with a maximum amount of KD 150. Warba Bank's cashback program provides its customers with an opportunity to earn cashback on their credit card transactions. With different customer segments and different cashback rates, Warba Bank's cashback program is tailored to meet the needs of all its customers. If you have any questions regarding the cashback program, please visit the Warba Bank website or contact customer support. Medical Benefits: Warba Bank places a strong emphasis on health and wellness, and offers medical financing to its customers. With 0% profit, the bank provides financing for medical expenses up to KD 25,000, with flexible monthly installments starting at KD30. No down payment or salary transfers are required, making it easier for customers to access the financing they need for their medical needs. Warba app Digital Services: Warba Bank app is dedicated to providing digital services to its customers, and the warba bank's mobile app is a testament to this commitment. With the Warba app, customers can open a new account in less than 5 minutes, with no need to visit a branch. The app also provides access to the bank's ultimate digital loyalty program, "Pocket," as well as the ability to enter Al Sunbula draws and access a directory of branch services. Family Account service: Warba Bank's family account service is designed to make it easier for parents to manage their children's accounts. With the family account, parents can link their children's accounts to their own and track their transactions online or through the mobile app. This innovative service is designed to meet the needs of families and ensure that their banking needs are met. IBAN Number: Customers can obtain their IBAN number through the Warba Bank app, website, call center, or by visiting a branch. The IBAN number is an important part of a customer's banking information and is used to facilitate international transactions. Dormant Accounts: In the event that a customer's account has been inactive for one year, the account may be dormant. To reactivate the account, the customer must visit a branch and submit an activation request, along with payment of an account activation commission. Accounts for Charitable Societies and Public Service Associations: Warba Bank also offers accounts for charitable societies, public service associations, and student unions. The required documents vary based on the type of organization, but typically include articles of association, a letter from an official body, and original ID cards of authorized individuals. The bank is dedicated to supporting these organizations and ensuring that their banking needs are met. FATCA Compliance: Warba Bank is compliant with the US Foreign Account Tax Compliance Act (FATCA), which is designed to prevent tax evasion by US citizens with accounts and investments outside the US. The bank is committed to following international regulations and ensuring compliance with FATCA. Maximum Monthly Instalment Amount: For customers seeking financing, the maximum monthly installment amount is determined by a customer's net salary or income. For those in service, the total monthly installments should not exceed 40% of the net salary, while for retirees, the total monthly installment should not exceed 30% of the net monthly income. DOCUMENTS REQUIRED FOR CONSUMER FINANCE: For Consumer Finance, the following documents are required: Original valid Civil ID Original recent salary certificate Salary continuation Price quotation Account statement for the last 3 Months (6 months for the private sector) Passport copy for expatriate customers only. Branches timings: Warba Bank has 17 branches in Kuwait with different timings. Please refer to the website to find out more about the branch timings https://www.warbabank.com/english/locate-us CREDIT CARDS in Warba Bank: Warba Bank offers the following credit card options: World Elite Dual Chip Mastercard (AlMassy customers only) World Elite Mastercard World Mastercard Platinum Mastercard VISA Signature VISA Platinum VISA Prepaid World Elite Dual Chip Mastercard definition: Warba Bank introduces the first of its kind Dual Chip Card in partnership with Mastercard. This two-in-one unique card brings the functionalities of both debit and credit cards with the highest level of security to distinguish our Al Masi customers and offer more convenience. World Elite Mastercard definition: World Elite the finest offering from Mastercard, with an unmatched array of benefits and rewards handpicked for the elites. World Mastercard definition: "Your World in a Card". Mastercard world is the best cash back world as it provides the best cashback rate and other benefits. If you are a travel enthusiast, World Mastercard is designed for you. Discover a world of exclusive privileges and enjoy memorable experiences on each trip with Warba World Mastercard, you will always be ready for your trip. Platinum Mastercard definition: "One card for your lifestyle". Enjoy multiple benefits with Platinum Mastercard® designed to suit your lifestyle. It is a Sharia-compliant credit card, without any additional fees, available in both charge and revolving options. VISA Signature card definition: An Exceptional Local and International Experience. Add a touch of luxury to your daily life with VISA Signature, one of Warba Bank credit solutions. Discover new horizons that meets your needs and aspirations and enjoy a unique package of exclusive offers and privileges worldwide. In addition to the special banking experience, this card opens a world of exceptional services and discounts for you in several hotels and stores for a shopping experience that exceeds expectations. VISA Platinum card definition: Comfort, Luxury and Modern Features. The VISA Platinum card gives you facilities and discounts that guarantee a unique banking experience that suits your modern lifestyle. It is a Sharia-compliant credit card, available in charge or revolving options If you are looking for peace of mind and exceptional services, VISA Platinum is a perfect choice while traveling, shopping and entertainment. VISA Prepaid card definition: A Modern and Safe Alternative Solution to Cash Payment. VISA Prepaid card helps you control your expenses. It is the perfect and modern alternative for cash payment, because it is easy to use, and can be used locally and internationally, and for online shopping. You can top up the card by using easy and fast methods. World Elite Dual Chip Mastercard benefits: - World Elite Dual Chip card functions of both Debit and Credit cards, providing exclusivity for Private Banking customers (Al Massy). - Highly secured card with two EMV chips, each chip has a different Card number, unique PIN and CVV. World Elite Dual Chip Mastercard Lifestyle Benefits: - A unique European shopping experience with Global Blue VIP services, which include exclusive privileges to facilitate the VAT refund process. Global Blue VIP - Enjoy a luxury shopping experience and special discounts from The Bicester Village Shopping Collection in 9 villages around Europe. The Bicester Villages Shopping Collection - Free MyUS Premium membership and shipping discount up to 30%. MyUs - Enjoy up to 10% discount on over 700 boutiques and international brands from Farfetch.com. FARFETCH - Get up to 20% off grocery or food orders twice a month on the Talabat app. App Store or Google Play Store - Sharia compliant credit card with no profit added. - Exclusive offers and discounts through Warba Rewards Program - Ability to issue a supplementary card for any family member (ages 15+) - Free SMS for both Local and International transactions - Monthly card E-statement sent to your personal e-mail - Free card issuance and renewal when issued against deposit. World Elite Dual Chip Mastercard Travel Benefits: - MasterCard Concierge services is to ensure an exceptional luxurious travel experience 24/7 by events, trips, transportations, hotels, fine dine in reservations and much more. For more information, please contact the mentioned numbers. - MasterCard Concierge provides exclusive 15% discount at Airport services for a smooth journey at more than 470 airports around the world that includes priority check-in & boarding, assistance with customs clearance and assistance to the boarding gate. For more information, please contact the mentioned numbers. MasterCard Concierge Contact: Local: +965 22287885 International: +1-6692108218 - Unlimited complimentary access for you to over 1100 LoungeKey lounges in more than 450 cities in over 135 countries worldwide. For more information download LoungeKey app or visit Our lounges (loungekey.com). - Issue travel insurance letter instantly for you, your spouse, and your children with coverage up to USD 500,000. For more information visit mcpeaceofmind.com. - Travel inconvenience coverage up to USD 7,500 in case of lost baggage or trip delay & cancelation. For more information visit mcpeaceofmind.com. - Accident and car damage insurance with coverage up to 50,000 US dollars. For more information visit mcpeaceofmind.com. - Enjoy up to 10% cashback with Booking.com. www.booking.com/mastercardmea - Enjoy 10% discount on any international roundtrip airfare from Cleartrip. cleartrip.com/mastercard - Exclusive discounts and promotions from award-winning Soneva luxury resorts through World Elite Concierge. - Immediate upgrade to Discovery Titanium membership in the Global Hotel Alliance program, which includes Kempinski Resorts, Anantara and other luxury resorts. - Enjoy 10% discount at over 2,500 OneFineStay luxury hotel apartments. onefinestay.com - Complimentary Gold Plus Rewards Five Star membership from Hertz car rental for by passing queues and a free car upgrade. hertz.com/worldelite - Complimentary Avis President’s Club membership & enjoy up to 35% off your next car rental with Avis. avisworld.com/mastercardmea - Enjoy up to 10% discount with RentalCar.com. Rentalcars.com - Get 20% off on 3 rides every month with Careem. Download Careem from the App Store or Google Play Store. - Easily apply and book visa appointments online through Fulfill Solutions. fulfillsolutions.com/mastercard World Elite Mastercard benefits: - Unlimited access with a companion to over 1,000 lounges. - Comprehensive medical travel insurance for the cardholder and family member up to USD 500,000 - Exclusive World Elite Global Concierge service World Elite Mastercard Lifestyle Benefits: - A unique European shopping experience with Global Blue VIP services, which include exclusive privileges to facilitate the VAT refund process. Global Blue VIP - Enjoy a luxury shopping experience and special discounts from The Bicester Village Shopping Collection in 9 villages around Europe. The Bicester Villages Shopping Collection - Free MyUS Premium membership and shipping discount up to 30%. MyUs - Enjoy up to 10% discount on over 700 boutiques and international brands from Farfetch.com. FARFETCH - Get up to 20% off grocery or food orders twice a month on the Talabat app. App Store or Google Play Store - Sharia compliant credit card with no profit added. - Exclusive offers and discounts through Warba Rewards Program - Ability to issue a supplementary card for any family member (ages 15+) - Free SMS for both Local and International transactions - Monthly card E-statement sent to your personal e-mail - Free card issuance and renewal when issued against deposit. Also to avail the card benefits and offers https://www.priceless.com/benefits-mea World Elite Mastercard Travel Benefits: - MasterCard Concierge services is to ensure an exceptional luxurious travel experience 24/7 by events, trips, transportations, hotels, fine dine in reservations and much more. For more information, please contact the mentioned numbers. - MasterCard Concierge provides exclusive 15% discount at Airport services for a smooth journey at more than 470 airports around the world that includes priority check-in & boarding, assistance with customs clearance and assistance to the boarding gate. For more information, please contact the mentioned numbers. MasterCard Concierge Contact: Local: +965 22287885 International: +1-6692108218 - Unlimited complimentary access for you to over 1100 LoungeKey lounges in more than 450 cities in over 135 countries worldwide. For more information download LoungeKey app or visit Our lounges (loungekey.com). - Issue travel insurance letter instantly for you, your spouse, and your children with coverage up to USD 500,000. For more information visit mcpeaceofmind.com. - Travel inconvenience coverage up to USD 7,500 in case of lost baggage or trip delay & cancelation. For more information visit mcpeaceofmind.com. - Accident and car damage insurance with coverage up to 50,000 US dollars. For more information visit mcpeaceofmind.com. - Enjoy up to 10% cashback with Booking.com. www.booking.com/mastercardmea - Enjoy 10% discount on any international roundtrip airfare from Cleartrip. cleartrip.com/mastercard - Exclusive discounts and promotions from award-winning Soneva luxury resorts through World Elite Concierge. - Immediate upgrade to Discovery Titanium membership in the Global Hotel Alliance program, which includes Kempinski Resorts, Anantara and other luxury resorts. - Enjoy 10% discount at over 2,500 OneFineStay luxury hotel apartments. onefinestay.com - Complimentary Gold Plus Rewards Five Star membership from Hertz car rental for by passing queues and a free car upgrade. hertz.com/worldelite - Complimentary Avis President’s Club membership & enjoy up to 35% off your next car rental with Avis. avisworld.com/mastercardmea - Enjoy up to 10% discount with RentalCar.com. Rentalcars.com - Get 20% off on 3 rides every month with Careem. Download Careem from the App Store or Google Play Store. - Easily apply and book visa appointments online through Fulfill Solutions. fulfillsolutions.com/mastercard World Mastercard Benefits: - Access to over 1000 airport lounges worldwide - Free travel insurance for spouse and kids - up to 10% cashback from Booking.com World Mastercard Travel Benefits: - Unlimited complimentary access for you to over 1100 LoungeKey lounges in more than 450 cities in over 135 countries worldwide. For more information download LoungeKey app or visit Our lounges (loungekey.com). - Issue travel insurance letter instantly for you, your spouse, and your children with coverage up to USD 500,000. For more information visit mcpeaceofmind.com. - Travel inconvenience coverage up to USD 7,500 in case of lost baggage or trip delay & cancelation. For more information visit mcpeaceofmind.com. - Enjoy up to 10% cashback with Booking.com. www.booking.com/mastercardmea - Enjoy 10% discount on any international roundtrip airfare from Cleartrip. cleartrip.com/mastercard - Enjoy 10% discount at over 2,500 OneFineStay luxury hotel apartments. onefinestay.com - Complimentary Gold Plus Rewards Five Star membership from Hertz car rental for by passing queues and a free car upgrade. hertz.com/mcworld - Complimentary Avis President’s Club membership & enjoy up to 35% off your next car rental with Avis. avisworld.com/mastercardmea - Enjoy up to 10% discount with RentalCar.com. Rentalcars.com - Get 20% off on 3 rides every month with Careem. Download Careem from the App Store or Google Play Store. - Easily apply and book visa appointments online through Fulfill Solutions. fulfillsolutions.com/mastercard World Mastercard Lifestyle Benefits: - A unique European shopping experience with Global Blue VIP services, which include exclusive privileges to facilitate the VAT refund process. Global Blue VIP - Enjoy a luxury shopping experience and special discounts from The Bicester Village Shopping Collection in 9 villages around Europe. The Bicester Villages Shopping Collection - Free MyUS Premium membership and shipping discount up to 30%. MyUs - Enjoy up to 10% discount on over 700 boutiques and international brands from Farfetch.com. FARFETCH - Get up to 20% off grocery or food orders twice a month on the Talabat app. App Store or Google Play Store - Sharia compliant credit card with no profit added. - Exclusive offers and discounts through Warba Rewards Program - Ability to issue a supplementary card for any family member (ages 15+) - Free SMS for both Local and International transactions - Monthly card E-statement sent to your personal e-mail - Free card issuance and renewal when issued against deposit World Mastercard Required Documents: - Civil ID - Account statements for the last 3 months (6 months for private sector employees and non-Kuwaitis) - Salary and salary continuation certificate - Authorized signatory and PIFSS certificates (private sector employees) you can also view the terms and conditions from this link https://warbabank.blob.core.windows.net/files/Library/Assets/Gallery/TermsandConditionsFiles/NewMastercardForm/Mastercard%20Credit%20Card%20Application%20form%20A4%20(003).pdf Platinum Mastercard benefits: - Unlimited complimentary access to more than 25 airport lounges internationally. - Purchase protection against theft or accidental damage up to USD 5,000 - Up to 30% discount on international roundtrip airfare from Cleartrip Platinum Mastercard Travel Benefits: - Unlimited, complimentary access to over 25 regional and international LoungeKey lounges. For more information download LoungeKey app or visit Our lounges (loungekey.com). - Enjoy up to 10% cashback with Booking.com. www.booking.com/mastercardmea - Enjoy 30% discount on any international roundtrip airfare from Cleartrip. cleartrip.com/mastercard - Enjoy up to 20% discount with Avis car rental. avisworld.com/mastercardmea - Enjoy up to 10% discount with RentalCar.com. Rentalcars.com - Get 20% off on 3 rides every month with Careem. Download Careem from the App Store or Google Play Store. - Easily apply and book visa appointments online through Fulfill Solutions. fulfillsolutions.com/mastercard - Sharia compliant credit card with no profit added. - Exclusive offers and discounts through Warba Rewards Program - Ability to issue a supplementary card for any family member (ages 15+) - Free SMS for both Local and International transactions - Monthly card E-statement sent to your personal e-mail - Free card issuance and renewal when issued against deposit. Platinum Mastercard Required Documents: - Civil ID - Account statements for the last 3 months (6 months for private sector employees and non-Kuwaitis) - Salary and salary continuation certificate - Authorized signatory and PIFSS certificates (private sector employees) you can also view the terms and conditions from this link https://warbabank.blob.core.windows.net/files/Library/Assets/Gallery/TermsandConditionsFiles/NewMastercardForm/Mastercard%20Credit%20Card%20Application%20form%20A4%20(003).pdf Visa Signature Travel Benefits: - The LoungeKey service, which opens the doors to more than 1,000 luxurious airport lounges around the world. For more information download the LoungeKey app or visit http://www.loungekey.com/visainfinitemena - Travel insurance instantly for you, your spouse, and your children with coverage up to USD 500,000. For more information visit Visa CEMEA. Home Page (cardholderbenefitsonline.com) - Purchase protection service for stolen or damaged purchases. - Extend warranty service on purchases up to one year. - Save up to 12% discount over 985,000+ hotels & vacation rentals worldwide with Agoda. http://www.agoda.com/visamena - VLHC is composed of over 900 intriguing and prestigious properties. www.visaluxuryhotels.com - Get 20% discount for 3 rides monthly with Careem. http://careem.me/superapp_visa - Special discounts at 200 airport restaurants globally with Dragon Pass through Dine & Fly app. App Store or Google Play - 30% off on YQ Meet & Assist services at over 450 destinations globally. https://cemea.yqnowgroup.com/ - Sharia compliant credit card with no profit added. - Exclusive offers and discounts through Warba Rewards Program - Ability to issue a supplementary card for any family member (ages 15+) - Free SMS for both Local and International transactions - Monthly card E-statement sent to your personal e-mail - Free card issuance and renewal when issued against deposit. Visa Signature Required Documents: - Civil ID - Account statements for the last 3 months (6 months for private sector employees and non-Kuwaitis) - Salary and salary continuation certificate - Authorized signatory and PIFSS certificates (private sector employees) you can also view the terms and conditions from this link https://warbabank.blob.core.windows.net/files/Library/Assets/Gallery/TermsandConditionsFiles/NewVisaForm/VISA%20Credit%20Card%20Application%20form%20A4%20(006).pdf VISA Platinum Main Benefits: - Complimentary Airport Lounge Access with your Platinum Credit card at 25 lounges globally. www.loungekey.com - Purchase protection service for stolen or damaged purchases. - Extend warranty service on purchases up to one year. - 50% off Vox Cinemas Tickets purchased online or via the app. uae.voxcinemas.com - Save up to 12% discount over 985,000+ hotels & vacation rentals worldwide with Agoda. www.agoda.com/visamena - VLHC is composed of over 900 intriguing and prestigious properties. www.visaluxuryhotels.com - Special discounts at 200 airport restaurants globally with Dragon Pass through Dine & Fly app. App Store or Google Play - 30% off on YQ Meet & Assist services at over 450 destinations globally. cemea.yqnowgroup.com - Sharia compliant credit card with no profit added. - Exclusive offers and discounts through Warba Rewards Program - Ability to issue a supplementary card for any family member (ages 15+) - Free SMS for both Local and International transactions - Monthly card E-statement sent to your personal e-mail - Free card issuance and renewal when issued against deposit. VISA Platinum Required Documents: - Civil ID - Account statements for the last 3 months (6 months for private sector employees and non-Kuwaitis) - Salary and salary continuation certificate - Authorized signatory and PIFSS certificates (private sectors employees) VISA Prepaid card Top benefits: - Ability to control expenses - Top up the card by transferring via the Warba App, direct deposit or redeeming the “Pocket” program points - The ability to retrieve the amount deposited in the card by transfer or cash withdrawal from Warba Bank devices without any added fees - Special offers and discounts on selected hotels and entertainment venues - Free subscription to My Box to get a local address in the United States, United Kingdom and United Arab Emirates - Superior security that enables you to shop online and through POS - The ability to change your card pin number through ATMs, phone service 1825555, Warba Bank application App Store or Google Play - Free SMS service locally and globally with no minimum usage - Free monthly e-statement receipt service in your e-mail Ways to recharge your VISA Prepaid card: - Warba Bank branches - Warba Mobile Application - Warba Online Required Documents to apply for prepaid card: - Civil ID - To access the full list of benefits, instructions, and offers for Visa Platinum Download the “VISA Explore” application (iOS or Android) Or visit: VISA Platinum you can also view the terms and conditions from this link https://warbabank.blob.core.windows.net/files/Library/Assets/Gallery/TermsandConditionsFiles/prepaidcard/english/Prepaid%20Visa%20Card%20Application%20form%20A4.pdf To get a credit card: You can apply for any of the Warba Bank credit cards by applying through the Warba Bank website or you can visit the nearest branch to assist. How is Cashback calculated? Cashback calculation depends on 3 main factors: 1- Total amount of transactions (internationally + locally) 2- Credit card type (Mastercard World and World Elite credit card/ Prepaid) 3- The segment type. Segments of Al Safwa, Al Safwa Plus, W and AlMassy customers using Mastercard World and World Elite credit card get a cashback rate of 3% on local and international transactions if the total spent transactions are less than KD 3000. If the local spending + international spends are more than KD 3000, the cashback will be 3% for local and 6% for international transactions. Segment of normal has the lowest cashback rate of 1% irrespective of the amount of the transactions. The maximum amount for ALMASSY, ALSAFWA PLUS and ALSAFWA is equivalent and set at KD 500., while the maximum amount for W is KD 300. The maximum amount for Normal is KD 150. Prepaid card cashback is only 1% of the total transaction regardless of the segment of the customer and the maximum cashback is capped at KD 150 only for all segments.