How To Get The Best Credit Card In Bahrain

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Getting a credit card can be helpful but it can also be stressful. Choosing the right card for your needs is necessary, but how do you know what to look for in a credit card? We’re here to help you learn more about all things credit cards.


The Basics of Credit Cards

Credit cards are a type of financial product designed to help you manage your money and improve your finances. When you use a credit card, you are borrowing money. The amount you borrow depends on a few factors, such as your credit score, interest rate, and payment schedule.


Why are Credit Cards Important?

Every time you use a credit card, banks or other lenders report this information to the Bahrain Credit Reference Bureau (Benefit). This information determines your credit score, which shows lenders that you can repay a loan. The more credit card purchases you make and pay off, the more lenders will want to give you loans. This will help you build your credit score and make it easier to get future loans.


How Does a Credit Card Work?

The concept of a credit card is really simple. The lender lends you money, and you need to pay it off in full at the end of each month to avoid paying interest. Stay on track and avoid missing payment deadlines by setting reminders.


What to look for in a Credit Card?

Credit Limits: This is the maximum amount you can borrow on a credit card. This number will depend on several factors, including your credit score and the amount you are approved for.

Interest Rate: The interest rate on a credit card is the rate you will pay if you don’t pay off the entire amount. Make sure you don’t pick a card with a high-interest rate because this will increase the amount of money you end up paying in the long run. Credit cards with high-interest rates will charge you a percentage of what you owe monthly.

Annual Fee: Credit cards usually enforce a fee that must be paid yearly, and some cards have no annual fees. Some cards with annual fees charge you a higher interest rate if you don’t pay off the entire amount. You should also try to find a card with a low annual fee that doesn’t charge you a high-interest rate for not paying off your purchase amount entirely.


What are the perks of having a credit card in Bahrain?

When it comes to the perks of having a credit card, there are many. One of the most popular benefits is cashback. Cardholders can save money from many shops by using this perk, which allows them to receive cashback on their credit card purchases.

Another perk is the discounts. Some banks provide credit card customers with exclusive deals and offers, such as discounts at retail outlets, gyms, restaurants, and much more.

Travel benefits are another perk that many people enjoy using their cards for. This includes obtaining complimentary access to several airport lounges across the globe, accumulating air miles, getting upgraded seat flights, and more.


Where can you apply for a credit card in Bahrain?

Now that you have learned all there is to know about credit cards.

Check out the list of banks in Bahrain that offer credit cards:

  • Ahli United Bank – AUB
  • Al Baraka Islamic Bank – ABG
  • Al Salam Bank – ASB
  • Bank of Bahrain and Kuwait – BBK
  • Citibank – Citi
  • HSBC Bank Middle East Limited
  • ila bank – ila
  • Ithmaar Bank – IBB
  • National Bank of Bahrain – NBB
  • National Bank of Kuwait – NBK
  • Standard Chartered Bank – SCB
  • Khaleeji Commercial Bank – KHCB
  • Kuwait Finance House – KFH
  • Bahrain Islamic Bank – BISB


If you’re looking for a Shariah-compliant financial product, we made things easier by underlining the banks that offer products that adhere to Islamic Law.

We understand that you might not want to go through the time-consuming process of finding a credit card that fits your needs.


That’s why we’ve created the Daleel application to help you skip the hassle. With Daleel, you can filter through Bahrain’s financial markets in a few clicks and find a credit card that suits your needs.

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