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.
 

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.
   

• Offer applicable on all days excluding Eid Holidays 
• Offer applicable to Zahiya and Zahiya plus cardholders 
   

• 10% off on Asrar jewellery 
• Until 31st of January 2026 
• Offer not valid with other existing promotions/packages.
• Offer applicable to Zahiya and Zahiya plus Debit and Credit cardholders 
   

• The offer applies to Sohar International Debit and Credit Cards including Supplementary Credit 
• Offer not valid with other existing promotions/packages
• Not applicable to medical dermatology consultation fees
• Not applicable to cosmetic procedures performed by visiting dermatologists 
• Offer is not applicable on cancelled/reversed transactions

• You need to be a Signature and/or Infinite credit card holder to get the premium self-parking
• You need to be infinite credit card holder to get the VIP parking at Mall of Oman
• Cardholders shall be entitled to complimentary 5 hour parking upon presenting a valid Sohar International Zahiya Signature
• In the event the customer exceeds 5 hours stay at the Mall of Oman designated parking, then the customer shall pay for the additional time
• Only one car per card holder is allowed per day
• The Bank will not be responsible for any damages that may occur to the customer vehicle.
   

• Dedicated valet parking for Signature and Infinite Credit Cardholders 
• Complimentary VIP parking for Infinite Credit Card holders. 
• Only one car per cardholder is allowed per day
• Sohar International will not be responsible for any damage that may occur to the vehicle. 

• The offer is valid on all jewellery products
• The offer is applicable on every OMR 300/- purchased
• The offer cannot be clubbed or availed in conjunction with any other promotion/ discount/ voucher/ loyalty program/ in-store offer or purchase scheme
• The offer is not applicable to promotional items
• The offer is not applicable to the purchase of gold coins or gold bars
• The offer cannot be redeemed in cash or any part thereof
• The offer should be availed against a single invoice for Gold jewellery or Diamond jewellery purchases.
• Customers can choose the said offer or the instore offer, whichever is higher
• The offer will be valid until 30thOctober 2025
• Kalyan Jewellers reserves the right to take a final decision in case any discrepancy arises

• The customer needs to be Zahiya plus Signature to get the complimentary Airport free transfers services
• Cardholders shall be entitled to complimentary pick-up/drop-off upon using their Signature credit card for purchasing an air ticket of not less than 350 OMR
• To enjoy your complimentary transfer service for your next trip, simply call +968 24730000 to book the services
• Bookings should be received 24 hours prior to the service. While we make every effort, we may not be able to confirm last-minute bookings.
• The number of passengers is limited to four persons
• Transfer from Muscat International Airport to within Muscat city limits & vice versa.
   

Waiting Charges:

• Arrival waiting policy: 60 minutes complimentary waiting for arrival transfers from the flight arrival. If the chauffeur is asked to wait further, there will be an additional charge of OMR 10.000 + 5% VAT per hour

Departure waiting policy: 30 minutes complimentary waiting for departure transfers at the pickup location. If the chauffeur is asked to wait further, there will be an additional charge of OMR 10.000 + 5% VAT per hour.
 
Cancellation Policy:

• No cancellation charges if the booking is cancelled prior to 24 hours to the scheduled service.

• The offer is valid on a maximum of 5 tickets per month for Zahiya and Zahiya plus credit cardholders only throughout the week.
• This offer is valid for Zahiya and Zahiya plus
• The offer is valid for 2D & 3D (Standard, Max standard, Max Premium, Kids, IMAX, IMAX Premium) at all VOX Cinemas outlets in Oman.
• Additional usages will be charged to the customer at the rate determined by the cinema, based on the location and ticket type.
• This offer is valid for any show and subject to availability.
• Tickets purchased using the offer are not refundable.
• The bank reserves the right to suspend or terminate this campaign at any time without prior notice.

• This offer is for a buy-one ticket-get-one free at Cinépolis Cinemas, locations across the Sultanate of Oman
• This offer can only be redeemed on the Cinepolis Cinema Digital Channels. Online fees may apply
• This offer can only be redeemed on a maximum of six tickets per month.
• The entire payment must be using Sohar International Credit Cards only. 
• Tickets purchased on the date are non-refundable and non-transferable 
• The free ticket needs to be utilized along with the paid ticket for the same session and must not be carried forward to any other session on that day or another day. 
• Tickets are subject to availability  
• The offer in not valid in conjunction with any special promotion, private screening or premiere at any of the cinemas. 
• The offer cannot be exchanged for any cash value. 
• The offer is not applicable on the movies in 4D Experience in Oman  
• The offer is not applicable on Double Bean Bag seating in Junior auditorium