Be Zahiya Plus
Zahiya Plus 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. with Zahiya Plus, we elevate that experience, combining exclusivity, luxury, and financial empowerment in a way that’s as unique as every women is.
Zahiya Plus Debit Card
Minimum Salary
2001 OMR
Annual Fees
Free
Replacement Fee
Free
Card Issuance
Free
Features & Benefits
- Instant account opening through app with card delivery & credit card
- A luxurious welcome gift featuring a special perfume
- Dedicated Relationship Manager for women and priority service across 11 branches in Oman
- Call Centre priority line access
- Personal shopper (through a third pary): A specialized service who will help you to choose and buy clothes, gifts or other items based on your taste and budget.
- 15% cashback on your first salary credited to the account for new to bank customers only( offer extended until 31st March 2026)
- 1% cashback on deposits starting from OMR 5000 (offer extended until 31st March 2026)
- Option to open your account in major foreign currencies (USD, GBP, AED, EUR, SAR, TRY & MYR)
- Digital banking access
- Available accounts: Savings with and without interest, Current and Call Account
- Flexible Interest Rate
- Auto loan with interest rate starting from 3.49% and 0.25% reduced for Electrical vehicle
With Zahiya Plus Signature Credit Card:
- 4,000 welcome points on your credit card and 500 bonus points if the card is used within 10 days of activation which equates to OMR 45
- Easy Payment Plan of up to 24 months at 0% interest.
- 50% discount on Vox Cinema tickets and 25% discount on single food and beverage items
- 3 reward points for every OMR 1 spent locally or internationally (offer valid until January 2026)
- Premium offers and discounts from exclusive lifestyle partners
- Free airport transfers and access to VIP Airport lounges
- Free Valet Parking at Mall of Oman and Almouj Muscat for 5 hours
Terms and Conditions apply
| 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
- Exclusive for Zahia & Zahia Plus account holders
- Omani & non-Omani women
| Package | Minimum Monthly Salary | Minimum Monthly Deposits |
|---|---|---|
| Zahiya Plus | OMR 2,001 and above | OMR 10,001 and above |
- Cashback:
- 1. Salaried: Zahia 10%, Zahia Plus 15% (valid 1 month from launch date). Maximum limit for cashback is OMR 300.
2. Deposit: 1% Cashback on deposits above OMR 5,000 (valid 1 month from launch date and subject to holding the balance for 3 continues months at least). Maximum limit for cashback is OMR 300. The funded balances should be in none interest bearing accounts. - Cashback offer valid from 1st November 2025 till 30th November 2025. However, the bank may extend, shorten, or cancel the offer without public notice and subject to this T&C update.
- The bank will payout the eligible customers after 30 days for salaried cashback, and after 90 days for deposit cashback.
- The salaried cashback is based on actual salary credited to bank account.
- The deposit cashback is based total average balance in 90 days with condition the balance don’t go below the minimum threshold at any point of time during the 90 days.
- Offers cannot be combined with other discounts, campaigns, or incentive programs.
- Fees & charges apply as per the official Sohar International schedule.
- In addition to the T&C set out herein, Sohar International Bank’s T&C for the Sultanate of Oman and any separate T&C as available on www.sib.om shall continue to apply. For all rates, fees and charges, please visit our website at www.sib.om.
- The T&C shall be governed in all respects by the laws of the Sultanate of Oman. All disputes relating to the T&C shall be subject to the exclusive jurisdiction of the Courts of Oman.
Zahiya Plus 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 |
Offers
- You & Us beauty Centre
- 20% discount at You & Us Beauty Centre
- Validity: Valid until 30th October 2026
- Eligibility: Zahiya and Zahiya Plus
- Makeup artist by Maitha 15% discount – Validity 1 year
- Al Asrar Jewellery 10% discount – 3 months – renewal based on sales.
- Lazora for Cosmetic and Beauty products 10% - Validity 1 year
- Dar Al Nada 25% discount - Validity 1 year
- You and Us – Beauty Centre 20% discount - Validity 1 year
- Grandeur kids 30% discount - Validity 1 year
- Skinova – Aesthetics clinic. Discount 35% on laser, 25% on medical -grade facials , 20% on cosmetic procedures - Validity 1 year
- (Zahiya Plus only) : Al Mouj complementary Valet parking – all day – validity 31st may’27
- (Zahiya Plus only): Enjoy Complimentary Parking for 5 hours at the paid parking zone of Mall of Oman validity 31st may’27
- (Zahiya Plus only): Europcar: Free one-way transfer service from or to Muscat Airport when buying air tickets of not less than 350 OMR. validity 31st may’26
- Kalyan Jewellery - OMR 10 Off on every OMR 300 purchased on Gold and Diamond jewellery . Validity 1 year
- Muscat Watch Centre : 20% on all items – Until Jan’26
- Agner : 20% on watches , 10% on everything else. Until Jan’26
- DKNY : 20% watches, pens and jewlleries. 10% on leather goods Until Jan’26
- Vox Cinema: 50% off on Vox tickets in Oman when you purchase using your Sohar International Zahiya and Zahiya plus credit cards. validity 31st may’26
Eligible cardholders can enjoy a 25% discount on single food and beverage items (excluding combos) when spending a minimum of OMR 6 or more.
- Cinepolis: Buy one ticket get one free – validity May31st 2026
Terms & Conditions:
- 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
All other merchants
Offer not valid with other existing promotions/packages