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Maal Prepaid Card
Sohar International Prepaid cards have all the benefits you would expect and are simple and convenient to use — even if you do not have a bank account or an established banking history.
With a Sohar International Prepaid card, you can only use the amount loaded onto it, which helps to control spending. Prepaid cards are a safer alternative to gift vouchers, checks or cash and can be used at millions of shops and other outlets around the world.
About Maal Prepaid Card
- Maal Prepaid Card is a secure and reloadable prepaid card that allows customers to conduct everyday transactions conveniently.
- An ideal tool for managing daily expenses such as groceries, fuel, and utility payments
- Suitable for local online purchases and bill payments
- A safer alternative to carrying cash
- Restricted to local transactions only — international transactions are not permitted as of now.
- Spending is controlled within the available balance.
Fees and Commission
| Item Detail | Fees in OMR |
|---|---|
| Card Replacement | 2/- |
| Maintenance Fee | 0 |
| New Card | 0 |
| PIN Change | 0 |
| Supplementary Card | 0 |
| Cash Withdrawal at SI ATM | 0 |
| Cash Withdrawal at other ATMs within OmanNet | 0.100 Bz |
Frequently Asked Questions (FAQ)
A prepaid card is a payment card that you load with funds in advance. You can spend only the available balance on the card. It is not linked to a bank account or a credit facility.
Two types are available:
- Visa Prepaid Card — International card powered by Visa
- Maal Prepaid Card — Local Omani card introduced by the Central Bank of Oman
Visa Prepaid Card:
- Locally in Oman
- Internationally (while traveling abroad)
- At ATMs worldwide displaying the Visa logo
- At POS terminals
- For online purchases on international websites
Maal Prepaid Card is for local use within Oman only. It cannot be used for international transactions or overseas withdrawals.
- ATMs within Oman
- POS terminals in Oman
- Local online merchants
- Government portals and services within Oman
| Feature | Visa Prepaid Card | Maal Prepaid Card |
|---|---|---|
| Usage Area | Local & International | Local (Oman only) |
| International Online Shopping | Yes | No |
| Overseas ATM Withdrawal | Yes | No |
| Foreign Currency Transactions | Yes | No |
| Accepted Outside Oman | Yes | No |
| Local Payments | Yes | Yes |
Visa Prepaid Card: Yes, you can use it for any type of transactions on both local and international transactions.
Maal Prepaid Card: Yes, you can use it for any type of transaction but only on local Omani transactions.
Choose Visa Prepaid Card if you:
- Travel abroad
- Shop on international websites
- Need global acceptance
Choose Maal Prepaid Card if you:
- Want a local-only payment solution
- Prefer controlled domestic spending
- Do not need international usage
Yes, Bank account is required to obtain a prepaid card.
You can load funds through available bank channels, such as:
- Mobile banking
- Sohar International Cash Deposit Machines (where applicable)
- Sohar International Branches
Yes, limits depend on the bank’s policies and regulatory guidelines.
The transaction will be declined.
Yes. Both cards include security features such as:
- Chip & PIN protection
- Secure online payment authentication
- Ability to block the card if lost or stolen
You can block or cancel your card immediately through Mobile Application or contact the bank’s Call Center agent to assist you.
Yes. A replacement card fee may apply in accordance with the bank’s tariff schedule.
Visa Prepaid Card: Yes. You can request a digital prepaid card through Mobile Banking. The digital prepaid card can be used immediately for only transactions and can be added to supported wallets (Apple Pay/ Samsung Pay/ Google Pay)
Maal Prepaid Card: Not currently available. At this stage, the Maal Prepaid card is issued as a physical card onlyCan I have more than one prepaid card?
Yes, subject to the bank’s approval and regulatory limits.
Visa Prepaid Card: Yes, the card can be added to supported digital wallets such as Apple Pay/ Samsung Pay/ Google Pay.
Maal Prepaid Card: Not currently supported. Can I view my prepaid card balance and transaction history?
Yes. You can view your prepaid card balance and transaction history anytime through the bank’s Mobile Banking (MB) application.
Yes. You can request to cancel your prepaid card via Mobile Banking.
Upon cancellation:
- The remaining balance on the card will be transferred to your own bank account
- The card will be permanently deactivated
No. You can only transfer funds from the prepaid card back to your own bank account. Fund transfer from to another account/prepaid card is not supported.
Yes. You can unfund money from your prepaid card at any time and for any amount through Mobile Banking. The requested amount will be credited to your own bank account instantly.
Yes. You can reset or change your prepaid card PIN anytime through Mobile Banking.
Yes. You can temporarily block your prepaid card via Mobile Banking if the card is misplaced or suspected of unauthorized use.
Still have questions?
Contact our support team for further assistance.
Terms & Conditions
The issuance and use of the Sohar International Bank SAOG Prepaid Card shall be governed by and subject to the Terms and Conditions set out hereinafter and such Terms and Conditions shall remain binding on the Cardholder unless otherwise amended by the Bank in accordance with the Terms and Conditions of this Agreement:
“Agreement” means these Terms and Conditions.
“Bank” means Bank Sohar SAOG and its successors and assigns.
“Card” means the Prepaid card issued to a Cardholder by the Bank.
“Card Account” means the account maintained by the Bank for debiting all Card Transactions entered into by the Cardholder together with fees and other Card Charges.
“Card Application Form” means a document, signed and submitted by the customer to the Bank, requesting the Bank to approve and authorize issuance of a Card to the customer.
“Cardholder” means a person on whose application the Bank has agreed to issue a Card.
2.1 The Card must be signed by the Cardholder immediately on receipt. It may only be used by the Cardholder within the Loaded Limit during the validity period embossed on the Card. The Card may be used for payment(s) in respect of any goods or services purchased or advanced and /or for availing Cash Advances, subject to the Terms and Conditions contained herein.
2.2 The Cardholder agrees that if the Card is sent to the Cardholder by registered mail or courier service to an address designated by the Cardholder, the Cardholder shall be deemed to have received the Card in good order and the Bank shall not incur any liability to the Cardholder or be responsible for any loss or damage suffered by the Cardholder of whatsoever nature and howsoever caused or suffered by the Cardholder, if the Card is not received or otherwise in connection with the use of such Card.
3.1 The Cardholder shall in his/her Card Application Form specify the amount which he/she would like to load to the credit of the Card Account. During the validity of the Agreement the Cardholder shall be entitled to use such amount for carrying out Card Transactions. The Cardholder shall be entitled to reload his/her Card Account from time to time during the validity period embossed on the Card by any of the following modes:
a) by depositing cash for credit to its Card Account, through any Bank Sohar Branch
b) online
c) by transferring from the Cardholder’s existing Bank Sohar account to the Card Account
4.1 The Bank will debit the Card Account with the amounts incurred on a Card Transaction and all Card Charges and any other liabilities of the Cardholder and any loss incurred by the Bank arising from the use of the Card. The Statement of Account sent to the Cardholder by the Bank shall be conclusive evidence of the Cardholder’s indebtedness to the Bank. The Cardholder is advised to preserve the sale or Cash Advance vouchers till the Statement of Account is received and reconciled by it.
4.2 The Bank will send to the Cardholder’s last known address the Statement of Account showing details of transactions carried out or entered into by the Cardholder during the preceding month.
4.3 The amount of any Card Transaction incurred in a currency other than Omani Rials will be converted to Omani Rials at a rate of exchange determined by the Bank for the date on which the Card Transaction is debited to the Card Account.
4.4 In the first Statement of Account issued after issuance of the Card or the renewal of the Card, as the case may be, the Bank, shall be entitled to charge and debit the Card Account with / fees for issuing or renewing the Card which amounts shall be non-refundable.
5.1 The Cardholder hereby agrees and undertakes to pay to the Bank fees and commissions in accordance with the Schedule of Fees and Commissions, payable in respect of Card Account.
5.2 If the Cardholder disagrees with any Card Charges stated in the Statement of Account the Cardholder must communicate the same to the Bank within 30 days of the Statement Date, failing which the Cardholder shall be deemed to have accepted the Card Charges set out in such Statement of Account and shall not be entitled to question such Card Charge at a later date.
6.1 The Cardholder shall be eligible to use the Card to make withdrawals of Cash Advances on which a Cash Advance Charge shall be payable by the Cardholder .
6.2 The Bank shall not be responsible for any damage or loss arising directly or indirectly, from any malfunction/failure of the Card or an ATM or the temporary insufficiency of funds in such machines or for any other reason whatsoever.
6.3 Any Cash Deposit made at an ATM shall only be deemed to have been received by the Bank upon verification and upon credit of such cash deposit to the Card Account.
The Card shall, at all times, remain the property of the Bank. At the request of the Bank the Cardholder shall immediately return to the Bank or to any other person authorized by the Bank, all the Cards .
9.1 The Cardholder shall not permit any other person to use the Card and shall at all times safeguard the Card and keep it under his/her personal control.
9.2 The Cardholder shall prevent the PIN becoming known to any other person.
9.3 The Cardholder shall not disclose the Card number to any third party except for the purpose of payment of Card Charges or loss or theft of the Card.
10.1 Upon discovery of the loss or theft of the Card, the Cardholder must inform the Card Services or any member bank displaying the Card logo by telephone, fax or telex message followed by confirmation in writing under the hand of the Cardholder or his attorney, supported by a police report evidencing a complaint lodged for the loss of the Card. The Cardholder shall be liable for all amounts debited to the Card Account as a result of the unauthorized use of the lost or stolen Card until written confirmation of its loss or theft has been received in writing by the Bank or a member bank displaying the Card logo. In the event the Cardholder recovers the lost or stolen Card/s, the Cardholder shall return the recovered Card to the Bank immediately.
10.2 The Cardholder shall provide to the Bank all information in the Cardholder’s possession as to the circumstances of the loss, theft or misuse of the Card and take all steps deemed necessary by the Bank to assist in the recovery of the missing Card.
10.3 The Bank shall be under no obligation to issue a replacement Card to the Cardholder following its loss or theft. Any replacement Card will be subject to the Cardholder paying a handling fee, and shall be issued where the Bank so determines, on the same Terms and Conditions as the original Card.
10.4 Notwithstanding anything to the contrary contained herein, the Cardholder shall be liable for all losses caused to or suffered by the Bank arising from the use of the Card by any person obtaining possession of it with the Cardholder’s consent.
11.1 The Cardholder shall examine each Statement of Account and shall notify the Card Services of any alleged error therein within 30 days from the Statement Date. If no such error is notified by the Cardholder within the given time period the Statement of Account and entries contained therein shall be deemed to be accepted by the Cardholder as being correct and the Cardholder shall be deemed to have admitted his/ her liability to pay the amount mentioned in the Statement of Account.
11.2 The Card Account shall be credited with the amount of any erroneous entries alleged by the Cardholder only after such error is accepted by the Bank and the Bank has received a refund voucher. Any claim by a Cardholder against a third party shall not be considered as valid ground for cancellation of a Card Transaction nor shall the Cardholder be entitled to take such plea either as a defense or counter claim against the Bank in any recovery proceedings initiated by the Bank for recovery of the balance outstanding in the Card Account.
11.3 The Bank shall not be responsible for nor be liable to a Cardholder in case of non-acceptance of the Card by a third party.
11.4 The Bank shall not be responsible for goods or services purchased by a Cardholder using the Card.
11.5 The Card Account will not be credited in respect of a Chargeback amount until after the evidence provided to the Bank has been examined by it and the transaction under dispute is resolved to the satisfaction of the Bank. If the dispute is not resolved in the Cardholder’s favor, then the Cardholder shall be liable for the disputed amount.
12.1 The Bank may, in its absolute discretion at any time, amend, modify or vary:
(a) any of the Terms and Conditions contained in this Agreement, as deemed necessary by the Bank and if required in accordance with the applicable laws and notify the Cardholder of such amendment, modification or variation.
(b) the fees and commission included in the Schedule of Fees and Commission and notify the Cardholder of such amendment, modification or variation.
12.2 The Cardholder shall be deemed to have accepted the amendments, modifications or variations made by the Bank to these Terms and Conditions as well as to the Schedule of Fees and Commissions, if the Cardholder decides not to terminate this Agreement and/or decides not to return the Card and continues to keep or use the Card after having been notified of such amendments, modifications or variations by the Bank.
12.3 Each of the Terms and Conditions contained herein shall be severable and distinct from one another and if at any time any one or more of the Terms and Conditions is or becomes invalid, illegal or unenforceable, the validity, legality or enforceability of the remaining Terms and Conditions shall not in anyway be affected thereby.
If, for any reason, the Cardholder fails to comply with these Terms and Conditions, the Bank is compelled to commence legal proceedings against the Cardholder then and in that event the Cardholder shall be responsible for the discharge of all legal cost, charges, fees and expenses incurred by the Bank in such legal proceedings.
The Cardholder authorizes the Bank to disclose information concerning the Cardholder or the Card Account to such persons as the Bank deems appropriate, necessary or desirable in connection with the services provided by the Bank and/or the enforcement of any of the Bank’s rights and/ or the performance of any obligations of the Bank in respect of the Card Account or as may otherwise be required in accordance with the applicable laws.
16.1 The Terms and Conditions shall be construed in accordance with and governed by the Laws of the Sultanate of Oman.
16.2 In case of any disputes arising between the Parties hereto, the Primary Commercial Court of Oman shall have jurisdiction over the same.
16.3 In addition to these Terms and Conditions, the issue and use of the Card is subject to the Central Bank of Oman’s Regulations and other applicable Laws of Oman in force from time to time.
Visa Prepaid Card
Easy Travel payments & smart budget control: Enjoy hassle-free spending while traveling. A prepaid card is safer than carrying cash and can be used widely. You can load only the amount you plan to spend.
Easy Travel payments & smart budget control:
Enjoy hassle-free spending while traveling. A prepaid card is safer than carrying cash and can be used widely. You can load only the amount you plan to spend.
Enhanced security:
By restricting spending to the loaded amount, the card minimizes financial exposure and enhances security for both online and in-store transactions.
Structured Expense Control:
The card can be used for routine expenditure such as, fuel, groceries or monthly purchases, enabling better monitoring and control of recurring expenses.
Transparent Transaction Monitoring:
Cardholders can conveniently review their transaction history through mobile banking and ensure clear visibility and oversight of all spending activity.
Fees and Charges
| Charges | In OMR |
|---|---|
| Cash Withdrawal at Sohar International ATM | RO 0 |
| Cash Withdrawal at other ATMs within OmanNet | RO 0.100/- |
| Cash Withdrawal at ATMs outside Oman | RO 2/- |
| Other Fees & Charges | |
| Card Issuance Fee | RO 3/- |
| Pin Re-Issue Fee | RO 5/- |
| Card Replacement Fee | RO 3/- |
| Duplicate Statement Fee | RO 5/- |
| Receipt Copy Request Fee (on Invalid disputes only) | RO 10/- |
| Foreign Transactions Fee (apply for all transactions made in currencies other than OMR | 2.50% |
Frequently Asked Questions (FAQ)
A prepaid card is a payment card that you load with funds in advance. You can spend only the available balance on the card. It is not linked to a bank account or a credit facility.
Two types are available:
- Visa Prepaid Card — International card powered by Visa
- Maal Prepaid Card — Local Omani card introduced by the Central Bank of Oman
Visa Prepaid Card:
- Locally in Oman
- Internationally (while traveling abroad)
- At ATMs worldwide displaying the Visa logo
- At POS terminals
- For online purchases on international websites
Maal Prepaid Card is for local use within Oman only. It cannot be used for international transactions or overseas withdrawals.
- ATMs within Oman
- POS terminals in Oman
- Local online merchants
- Government portals and services within Oman
| Feature | Visa Prepaid Card | Maal Prepaid Card |
|---|---|---|
| Usage Area | Local & International | Local (Oman only) |
| International Online Shopping | Yes | No |
| Overseas ATM Withdrawal | Yes | No |
| Foreign Currency Transactions | Yes | No |
| Accepted Outside Oman | Yes | No |
| Local Payments | Yes | Yes |
Visa Prepaid Card: Yes, you can use it for any type of transactions on both local and international transactions.
Maal Prepaid Card: Yes, you can use it for any type of transaction but only on local Omani transactions.
Choose Visa Prepaid Card if you:
- Travel abroad
- Shop on international websites
- Need global acceptance
Choose Maal Prepaid Card if you:
- Want a local-only payment solution
- Prefer controlled domestic spending
- Do not need international usage
Yes, Bank account is required to obtain a prepaid card.
You can load funds through available bank channels, such as:
- Mobile banking
- Sohar International Cash Deposit Machines (where applicable)
- Sohar International Branches
Yes, limits depend on the bank’s policies and regulatory guidelines.
The transaction will be declined.
Yes. Both cards include security features such as:
- Chip & PIN protection
- Secure online payment authentication
- Ability to block the card if lost or stolen
You can block or cancel your card immediately through Mobile Application or contact the bank’s Call Center agent to assist you.
Yes. A replacement card fee may apply in accordance with the bank’s tariff schedule.
Visa Prepaid Card: Yes. You can request a digital prepaid card through Mobile Banking. The digital prepaid card can be used immediately for only transactions and can be added to supported wallets (Apple Pay/ Samsung Pay/ Google Pay)
Maal Prepaid Card: Not currently available. At this stage, the Maal Prepaid card is issued as a physical card onlyCan I have more than one prepaid card?
Yes, subject to the bank’s approval and regulatory limits.
Visa Prepaid Card: Yes, the card can be added to supported digital wallets such as Apple Pay/ Samsung Pay/ Google Pay.
Maal Prepaid Card: Not currently supported. Can I view my prepaid card balance and transaction history?
Yes. You can view your prepaid card balance and transaction history anytime through the bank’s Mobile Banking (MB) application.
Yes. You can request to cancel your prepaid card via Mobile Banking.
Upon cancellation:
- The remaining balance on the card will be transferred to your own bank account
- The card will be permanently deactivated
No. You can only transfer funds from the prepaid card back to your own bank account. Fund transfer from to another account/prepaid card is not supported.
Yes. You can unfund money from your prepaid card at any time and for any amount through Mobile Banking. The requested amount will be credited to your own bank account instantly.
Yes. You can reset or change your prepaid card PIN anytime through Mobile Banking.
Yes. You can temporarily block your prepaid card via Mobile Banking if the card is misplaced or suspected of unauthorized use.
Still have questions?
Contact our support team for further assistance.
Terms & Conditions
The issuance and use of the Sohar International Bank SAOG Prepaid Card shall be governed by and subject to the Terms and Conditions set out hereinafter and such Terms and Conditions shall remain binding on the Cardholder unless otherwise amended by the Bank in accordance with the Terms and Conditions of this Agreement:
“Agreement” means these Terms and Conditions.
“Bank” means Bank Sohar SAOG and its successors and assigns.
“Card” means the Prepaid card issued to a Cardholder by the Bank.
“Card Account” means the account maintained by the Bank for debiting all Card Transactions entered into by the Cardholder together with fees and other Card Charges.
“Card Application Form” means a document, signed and submitted by the customer to the Bank, requesting the Bank to approve and authorize issuance of a Card to the customer.
“Cardholder” means a person on whose application the Bank has agreed to issue a Card.
2.1 The Card must be signed by the Cardholder immediately on receipt. It may only be used by the Cardholder within the Loaded Limit during the validity period embossed on the Card. The Card may be used for payment(s) in respect of any goods or services purchased or advanced and /or for availing Cash Advances, subject to the Terms and Conditions contained herein.
2.2 The Cardholder agrees that if the Card is sent to the Cardholder by registered mail or courier service to an address designated by the Cardholder, the Cardholder shall be deemed to have received the Card in good order and the Bank shall not incur any liability to the Cardholder or be responsible for any loss or damage suffered by the Cardholder of whatsoever nature and howsoever caused or suffered by the Cardholder, if the Card is not received or otherwise in connection with the use of such Card.
3.1 The Cardholder shall in his/her Card Application Form specify the amount which he/she would like to load to the credit of the Card Account. During the validity of the Agreement the Cardholder shall be entitled to use such amount for carrying out Card Transactions. The Cardholder shall be entitled to reload his/her Card Account from time to time during the validity period embossed on the Card by any of the following modes:
a) by depositing cash for credit to its Card Account, through any Bank Sohar Branch
b) online
c) by transferring from the Cardholder’s existing Bank Sohar account to the Card Account
4.1 The Bank will debit the Card Account with the amounts incurred on a Card Transaction and all Card Charges and any other liabilities of the Cardholder and any loss incurred by the Bank arising from the use of the Card. The Statement of Account sent to the Cardholder by the Bank shall be conclusive evidence of the Cardholder’s indebtedness to the Bank. The Cardholder is advised to preserve the sale or Cash Advance vouchers till the Statement of Account is received and reconciled by it.
4.2 The Bank will send to the Cardholder’s last known address the Statement of Account showing details of transactions carried out or entered into by the Cardholder during the preceding month.
4.3 The amount of any Card Transaction incurred in a currency other than Omani Rials will be converted to Omani Rials at a rate of exchange determined by the Bank for the date on which the Card Transaction is debited to the Card Account.
4.4 In the first Statement of Account issued after issuance of the Card or the renewal of the Card, as the case may be, the Bank, shall be entitled to charge and debit the Card Account with / fees for issuing or renewing the Card which amounts shall be non-refundable.
5.1 The Cardholder hereby agrees and undertakes to pay to the Bank fees and commissions in accordance with the Schedule of Fees and Commissions, payable in respect of Card Account.
5.2 If the Cardholder disagrees with any Card Charges stated in the Statement of Account the Cardholder must communicate the same to the Bank within 30 days of the Statement Date, failing which the Cardholder shall be deemed to have accepted the Card Charges set out in such Statement of Account and shall not be entitled to question such Card Charge at a later date.
6.1 The Cardholder shall be eligible to use the Card to make withdrawals of Cash Advances on which a Cash Advance Charge shall be payable by the Cardholder .
6.2 The Bank shall not be responsible for any damage or loss arising directly or indirectly, from any malfunction/failure of the Card or an ATM or the temporary insufficiency of funds in such machines or for any other reason whatsoever.
6.3 Any Cash Deposit made at an ATM shall only be deemed to have been received by the Bank upon verification and upon credit of such cash deposit to the Card Account.
The Card shall, at all times, remain the property of the Bank. At the request of the Bank the Cardholder shall immediately return to the Bank or to any other person authorized by the Bank, all the Cards .
9.1 The Cardholder shall not permit any other person to use the Card and shall at all times safeguard the Card and keep it under his/her personal control.
9.2 The Cardholder shall prevent the PIN becoming known to any other person.
9.3 The Cardholder shall not disclose the Card number to any third party except for the purpose of payment of Card Charges or loss or theft of the Card.
10.1 Upon discovery of the loss or theft of the Card, the Cardholder must inform the Card Services or any member bank displaying the Card logo by telephone, fax or telex message followed by confirmation in writing under the hand of the Cardholder or his attorney, supported by a police report evidencing a complaint lodged for the loss of the Card. The Cardholder shall be liable for all amounts debited to the Card Account as a result of the unauthorized use of the lost or stolen Card until written confirmation of its loss or theft has been received in writing by the Bank or a member bank displaying the Card logo. In the event the Cardholder recovers the lost or stolen Card/s, the Cardholder shall return the recovered Card to the Bank immediately.
10.2 The Cardholder shall provide to the Bank all information in the Cardholder’s possession as to the circumstances of the loss, theft or misuse of the Card and take all steps deemed necessary by the Bank to assist in the recovery of the missing Card.
10.3 The Bank shall be under no obligation to issue a replacement Card to the Cardholder following its loss or theft. Any replacement Card will be subject to the Cardholder paying a handling fee, and shall be issued where the Bank so determines, on the same Terms and Conditions as the original Card.
10.4 Notwithstanding anything to the contrary contained herein, the Cardholder shall be liable for all losses caused to or suffered by the Bank arising from the use of the Card by any person obtaining possession of it with the Cardholder’s consent.
11.1 The Cardholder shall examine each Statement of Account and shall notify the Card Services of any alleged error therein within 30 days from the Statement Date. If no such error is notified by the Cardholder within the given time period the Statement of Account and entries contained therein shall be deemed to be accepted by the Cardholder as being correct and the Cardholder shall be deemed to have admitted his/ her liability to pay the amount mentioned in the Statement of Account.
11.2 The Card Account shall be credited with the amount of any erroneous entries alleged by the Cardholder only after such error is accepted by the Bank and the Bank has received a refund voucher. Any claim by a Cardholder against a third party shall not be considered as valid ground for cancellation of a Card Transaction nor shall the Cardholder be entitled to take such plea either as a defense or counter claim against the Bank in any recovery proceedings initiated by the Bank for recovery of the balance outstanding in the Card Account.
11.3 The Bank shall not be responsible for nor be liable to a Cardholder in case of non-acceptance of the Card by a third party.
11.4 The Bank shall not be responsible for goods or services purchased by a Cardholder using the Card.
11.5 The Card Account will not be credited in respect of a Chargeback amount until after the evidence provided to the Bank has been examined by it and the transaction under dispute is resolved to the satisfaction of the Bank. If the dispute is not resolved in the Cardholder’s favor, then the Cardholder shall be liable for the disputed amount.
12.1 The Bank may, in its absolute discretion at any time, amend, modify or vary:
(a) any of the Terms and Conditions contained in this Agreement, as deemed necessary by the Bank and if required in accordance with the applicable laws and notify the Cardholder of such amendment, modification or variation.
(b) the fees and commission included in the Schedule of Fees and Commission and notify the Cardholder of such amendment, modification or variation.
12.2 The Cardholder shall be deemed to have accepted the amendments, modifications or variations made by the Bank to these Terms and Conditions as well as to the Schedule of Fees and Commissions, if the Cardholder decides not to terminate this Agreement and/or decides not to return the Card and continues to keep or use the Card after having been notified of such amendments, modifications or variations by the Bank.
12.3 Each of the Terms and Conditions contained herein shall be severable and distinct from one another and if at any time any one or more of the Terms and Conditions is or becomes invalid, illegal or unenforceable, the validity, legality or enforceability of the remaining Terms and Conditions shall not in anyway be affected thereby.
If, for any reason, the Cardholder fails to comply with these Terms and Conditions, the Bank is compelled to commence legal proceedings against the Cardholder then and in that event the Cardholder shall be responsible for the discharge of all legal cost, charges, fees and expenses incurred by the Bank in such legal proceedings.
The Cardholder authorizes the Bank to disclose information concerning the Cardholder or the Card Account to such persons as the Bank deems appropriate, necessary or desirable in connection with the services provided by the Bank and/or the enforcement of any of the Bank’s rights and/ or the performance of any obligations of the Bank in respect of the Card Account or as may otherwise be required in accordance with the applicable laws.
16.1 The Terms and Conditions shall be construed in accordance with and governed by the Laws of the Sultanate of Oman.
16.2 In case of any disputes arising between the Parties hereto, the Primary Commercial Court of Oman shall have jurisdiction over the same.
16.3 In addition to these Terms and Conditions, the issue and use of the Card is subject to the Central Bank of Oman’s Regulations and other applicable Laws of Oman in force from time to time.