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Zahiya
Zahiya is a dedicated banking product designed exclusively for women, empowering them with financial independence and a seamless digital banking experience. Developed under Sohar International’s women-focused initiative, the women banking proposition offer and exclusive lifestyle benefits, elegant design, and access to privileges that complement the modern woman’s lifestyle.
Zahiya Debit Card
Minimum Salary
N/A
Annual Fees
Free
Replacement Fee
Free
Card Issuance
Free
Features & Benefits
- Instant account opening through app with card delivery & credit card
- Free and excusive debit cardholder.
- Dedicated female Relationship Manager and priority service
- 10% cashback on first salary (limited time offer till end of January 2026)
- 2 reward points for every OMR 1 spent (local and international) no limitation, with instant redemption (limited time offer till end of January 2026)
- Free Entertainer App access (international).
- Merchant discounts across lifestyle, fashion, beauty, and wellness partners.
- Exclusive offer for the first 100 new female customers:
- OMR 50 discount on comprehensive car insurance and OMR 25 discount on third-party insurance from Liva Insurance.
- Offer valid until the first 100 customers are reached.
Digital banking access - Account can be opened in Major CCY: USD, GBP, AED, Euro, SAR, TRY & MYR
- Available accounts: Savings with and without interest, Current and Call Account
- Free for life Platinum credit cards
- Flexible Interest Rate
- Auto loan with interest rate starting from 3.49% and 0.25% reduced for Electrical vehicle
- Digital personal loans processing.
| Fee Type | Charges |
|---|---|
| Card Issuance | Free |
| Annual Fee | Free |
| Replacement Fee | Free |
| Cash Withdrawal (Sohar ATMs) | Free |
| Cash Withdrawal (other local bank ATMs) | OMR 0.105 |
| Mini Statement | Free |
| Local and international transfer | Free |
Eligibility criteria
| Package | Minimum Monthly Salary | Minimum Monthly Deposits |
|---|---|---|
| Zahiya | OMR 0 – 2,000 | OMR 500 – 10,000 |
Zahiya Credit Card
FAQs
Zahiya is Sohar International’s comprehensive women-focused banking proposition, offering a unique combination of financial and lifestyle benefits designed exclusively for women in Oman.
Key Features:
- Dedicated women’s savings account & debit card
- Free-for-life Platinum/Signature credit cards (with welcome rewards)
- Exclusive lifestyle offers & discounts
- Priority service in select branches with dedicated female RMs
- Digital onboarding through the mobile app with future PFM and loan add-ons
Positioning: The most comprehensive women’s package in Oman combining savings + lifestyle benefits + relationship management + privacy in branches.
| Feature | Zahiya | Zahiya Plus |
|---|---|---|
| Salary / Deposits | OMR 0 –2,000 salary OR OMR 500–10,000 deposits | OMR 2,001+ salary OR OMR 10,001+ deposits |
| Non-maintenance Fee | If balance < OMR 100: OMR 0.525/month | Same as Zahiya |
| Welcome Kit | Card holder | Premium kit + perfume + welcome gift |
| Branch Experience | Dedicated desk in select branches | Same |
| Credit Card | Free-for-life Platinum | Free-for-life Signature |
| Benefits | Free transfers (local & international), welcome points, cashback | Same + premium debit/credit card design |
Account & Debit
- Savings account (with or without interest – SBGEN & SBINT)
- Instant digital account opening through the app
- Debit card issued & delivered
- Limited time cashback offer for salary transfers
- Limited time cashback offer for deposits above RO 5000/-
Credit Cards (Conventional & Islamic)
- Platinum & Signature (Conventional & Islamic)
- Free-for-life annual fee waiver
- Welcome points: 4,000 + Activation points: 500 (~OMR 45 value)
- 0% instalment plans (3-6-9-12 months, ≥ OMR 100 purchases)
- Airport lounge access, complimentary medical insurance, partner discounts
Branch Experience
- Dedicated Zahiya zones in 11 branches (Phase 1)
- Priority service – “no waiting time”
- Female Relationship Manager/Officer
Partnerships & Lifestyle Offers
- Visa merchant discounts across Oman
- Free valet parking (Mall of Oman, The Wave)
- 50% off Vox Cinemas
- Sohar Entertainer app
Auto & Personal Loans
- Auto loan at 3.49%, with electric cards discount
- Digital personal loans (from Dec 2025 for Govt employees) – no processing fee
- Verify customer eligibility (salary/deposits).
- Explain Zahia/Zahiya Plus features.
- Open account → Select Zahiya/Zahiya Plus from dropdown.
- Choose savings with or without interest (SBGEN-SBINT)
- Provide welcome kit (premium kit for Zahiya Plus).
- Educate customer about app, rewards, instalment plans, merchant offers.
- Offer free-for-life credit card application on the spot.
- Customer selects “Open Account”.
- ID scanned → system detects gender.
- If female → app gives Zahiya or Mass segment option.
- Customer selects Zahiya → segment code tagged & sent to CORE.
- e-KYC + AML screening as per normal policy.
- If low risk → account opened instantly (no signature needed).
- Customer chooses debit card delivery (physical/digital).
- All Zahiya customers are eligible for Platinum or Signature cards.
- Limit follows the existing credit card policy.
- Available for purchases ≥ OMR 100.
- Customer requests conversion via Contact Centre.
- Flexible instalment options: 3, 6, 9, 12 months at 0% interest.
- Credit card annual fee: Waived for life.
- Account non-maintenance fee: OMR 0.525/month (if balance < OMR 100).
- Interest rates: Standard SBGEN/SBINT rates apply.
- Auto loan: 3.49% (special EV discount available).
- Transfers: Free within Oman, India, and internationally.
| Sr. | Region / Branch Name |
|---|---|
| Muscat Region | |
| 1 | Al Khoudh Branch |
| 2 | Al Khuwair Branch 2 |
| 3 | Azaiba Branch |
| 4 | Qurum Branch |
| Batinah Region | |
| 5 | Barka Branch |
| 6 | Sohar Branch |
| DBM Region | |
| 7 | Ibri Branch |
| Dhakliya & Wusta Region | |
| 8 | Firq Nizwa Branch |
| Dhofar | |
| 9 | Salalah Branch |
| Sharqiya | |
| 10 | Ibra Branch |
| 11 | Sur Branch |