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.