World Elite Credit Card

Introducing KFH World Elite Credit Card

Get the card that delivers superior lifestyle experiences. KFH’s Sharia-compliant World Elite Credit Card, the most prestigious card powered by Mastercard® World Elite, offers you unparalleled benefits and privileges.

Pearl Rewards: Earn on all spends, spend on everything you love

As an KFH World Elite Credit Cardholder you will automatically be enrolled into the Pearl Rewards Program with which you can earn and redeem Pearl Points for a host of amazing options which have been created keeping your needs in mind.

Foreign currency purchases
Earn 4 Pearl Points for every BHD of foreign currency spent.

Hotel & flight bookings
Earn 3.5 Pearl Points for every BHD spent on hotel and flight bookings.

Local currency purchases
Earn 2.5 Pearl Points for every BHD of local currency spent.

Transfer points to partner programs

With the KFH World Elite Credit Card, you can transfer your Pearl Points to participating partner loyalty programs, such as Gulf Air Falconflyer, Emirates Skywards, Qatar Airways Privilege Club and Shukran.

This allows you to redeem your points e.g. for flights and other benefits without being tied to a specific program, giving you the best conversion rates possible.

Turn points into real cash

Using the Travel Cashback option, KFH World Elite Credit Cardholders can conveniently convert their accumulated Pearl Points into a statement credit. It is applicable towards any travel-related transaction charged to their card, be it for flights, hotels, or other eligible expenses.

To use this option, log in to the KFH Mobile Banking App or Internet Banking, select ‘Services’ from the menu, click ‘Travel Cashback’ and proceed.

Redeem points for
flights, hotel
& car rental
bookings

KFH World Elite Cardholders can easily redeem their Pearl Points for flights, hotels, car rentals and more through an KFH online portal with no blackout dates or restrictions.

The portal offers you a wide range of flexible travel options, allowing you to book your preferred travel and use your Pearl Points to pay for it.

Simply log in to your KFH mobile app or Internet banking platform and start exploring the available travel options. From flights and hotels to car rentals and more, you can use your Pearl Points to pay for your preferred itinerary hassle-free.

Shop over 600+ products from 135+ partners...

With the KFH World Elite Credit Card, you can transfer your Pearl Points to participating partner loyalty programs, such as Gulf Air Falconflyer and Shukran.

This allows you to redeem your points e.g. for flights and other benefits without being tied to a specific program, giving you the best conversion rates possible.

City Centre Bahrain
Netflix
Amazon
Adidas
Nike
Carrefour
Talabat
Al Jazeera
JoyAlukkas
Sharaf DG
Lulu Hypermarket
& many more...

Get access to
1,500+ airport
lounges

KFH World Elite Credit Cardholders and their supplementary members plus one guest each get free unlimited access to 1,500+ airport lounges worldwide, including the Pearl Lounge at Bahrain International Airport.

Simply register your card on the "Mastercard Travel Pass" app, generate a unique QR code, and show it at the lounge reception to gain entry.

Please click here to view the Complimentary Airport Lounge Access Policy

Travel & Lifestyle Concierge

Enjoy dedicated VIP lifestyle concierge services 24/7 around the world - from reserving the chef's table for a special anniversary to lining up a celebrity guest for a party. To register, please contact TEN Concierge on 80081604 (local number) or +1-669-2108764 (international number).

Once you register, you will also have access to WhatsApp concierge channel. Simply add the provided phone numbers to your contact list:
For Arabic: +44 7418 368707
For English: +44 7418 368708

Complimentary
round of golf*

*KFH World Elite
with Golf option

KFH World Elite Credit Card with golf allows you to enjoy a free round of golf at the Royal Golf Club once per month, any day of the week. To book, log in to the KFH Mobile Banking App or Internet Banking, select ‘Services’ from the menu, click ‘Golf Reservation Form’ and proceed.

T&C’s apply. Min. income for this card is BHD 1,500, min. monthly spend BHD 750. Only those who pay an annual membership fee of BHD 100 + 10% VAT are eligible for this offer.

Click here to view the Terms & Conditions

Unlock new experiences with Priceless Cities

Priceless Cities is a unique collection of thousands of experiences and offers in over 40 cities and countries around the world, specially tailored for Mastercard® cardholders. From dining to travel and entertainment, enjoy exclusive access and benefits that will make your trip abroad or stay at home even more rewarding.

With priority access to worldwide events, Priceless Cities offers exclusive entertainment, arts and culture, sports and culinary experiences tailored to KFH World Elite cardholders home and abroad.

Visit Priceless.com to find out more.

Up to 20% off with partner restaurants

Discover great deals with your KFH World Elite Credit Card. Pay with your card and enjoy up to 20% off at a host of restaurants in Bahrain.

Simply present your card at the participating restaurant when making your payment. The discount will be applied, and you can enjoy your meal knowing you have made great savings.

Terms & Conditions apply.

Free Entertainer app

The Rewards Entertainer app offers a wide range of dining, leisure, wellness, and entertainment offers for KFH World Elite Credit Cardholders.

With this app, you can enjoy incredible buy-one-get-one offers at top restaurants across Bahrain, including popular chains, independent eateries, and fine dining establishments.

Complimentary
Insurance Benefits

Travel Accident and Medical
Insurance You and your loved ones deserve peace of mind every time you travel. Rest assured that you will receive compensation for medical care or emergency help if you need it.

  • Personal accident insurance - up to USD 500,000
  • Emergency medical evacuation and repatriation - up to USD 500 ,000
  • Medical emergency expenses - up to USD 500,000
  • Daily in-hospital cash benefit - USD 100 per day
Simply visit mcpeaceofmind.com to file a claim online.

Travel Inconvenience and Cancellation Insurance
Inconvenience is sometimes a part of travel, but you shouldn't have to deal with it alone. When your luggage goes amiss or flight delays interrupt your plans, Mastercard® can compensate you for:

  • Loss of baggage - up to USD 3,000 with no deductible
  • Delay of baggage - up to USD 300
  • Trip cancellation - up to USD 7,500
  • Trip delays –USD 500

Simply visit mcpeaceofmind.com to file a claim online

Rental Collision and Loss Damage Waiver
Rental Collision and Loss Damage Waiver limits the amount you may be liable for in the event of accidental damage to your rental vehicle. KFH World Elite Cardholders have a worldwide insurance automatically in:

  • Physical damage to the rental car in addition to loss of use, theft, and natural calamities - up to USD 50,000
  • Towing of the vehicle - up to USD 100
  • Vehicle drop off charges - up to USD 100

Visit mcpeaceofmind.com to apply online.

E-Commerce Insurance Shop with confidence online, knowing that the purchases you make with your KFH World Elite Credit Card are:

  • Protected in case of undelivered items within 30 days.
  • Wrong or physical damage to goods during delivery.

Simply email required documents or queries to MEA.Mastercard@aig.com.

Discover the MasterCard
World Elite
Advantages

Cleartrip
Going on a holiday or booking that business trip? Book your ticket on Cleartrip using your KFH World Elite Credit Card and enjoy:

  • 10% discount on any international roundtrip airfare.
  • No minimum amount restrictions.

Discounts on airfares are applicable on all airlines.

Simply go to cleartrip.com/mastercard to select any roundtrip international airfare. Enter promo code ‘MCWORLDELITE’ when paying with KFH World Elite Credit Card when checking out.

Complimentary Airport Rides with Careem

Book your airport ride with Careem, use your KFH World Elite Credit Card, and enjoy 4 complimentary airport rides per year. The trip fare (up to USD 11 per ride) will automatically be credited to your Careem wallet within 7-10 working days.
Note: This offer is not applicable when using Apple Pay for payment.

Fulfill Visa Services
Fulfill is a fully digital solution that allows you to apply and book appointments for your travel visa needs. With Fulfill visa assistance, you are able to apply and book appointments for a flat fee of USD 15.

  • Drastically reduce your time spent applying for travel visas.
  • Avoid filling complicated forms, we will do that for you.
  • Receive document checklist for your travel visa submission (when you are required to personally submit the travel visa application).

Simply visit www.fulfillsolutions.com/mastercard to access the Fulfill website and apply for your travel visa.

Add your card to Wallet

No Annual Membership Fee for the 1st year

Know more about KFH World Elite Credit Card

KFH

Fees and charges
Annual Membership Fee: BHD 50 + 10% VAT.

KFH

Eligibility
Your minimum monthly income should be BHD 1,000.

KFH

Profit rate
KFH World Elite Credit Card monthly profit rate 2.99%, annualized profit rate 35.88%.

Which Credit Card suits you the best?

KFH World Elite Card with Golf

KFH World Elite Card with Golf

Income eligibility

BHD 1,500

Annual Membership Fee

BHD 100 + 10% VAT

Network

Mastercard (World Elite)

Complimentary golf

Yes

Annual Membership Fee Waiver

No waiver

Annual membership fee waiver qualified Premium/Private banking customers

Rewards earning

Foreign Transactions: 4.0 points
Travel/Flight booking: 3.5 points
BHD Local: 2.5 points
BHD Govt. Transactions: 0.5 point
Dynamic Currency Conversion (DCC) Transactions: Not applicable

Profit Rate

2.99% per month /35.88% Annual Profit Rate

KFH World Elite Card

KFH World Elite Card

BHD 1,000

BHD 50 + 10% VAT

Mastercard (World Elite)

No

First year free

Annual membership fee waiver for qualified Premium/Private banking customers

Foreign Transactions: 4.0 points
Travel/Flight booking: 3.5 points
BHD Local: 2.5 points
BHD Govt. Transactions: 0.5 point
Dynamic Currency Conversion (DCC) Transactions: Not applicable

2.99% per month /35.88% Annual Profit Rate

KFH World Card

KFH World Card

BHD 300

BHD 25 + 10% VAT

Mastercard (World)

No

First year free

Spend based reversal from 2nd year. Spend threshold is BHD 2,500.

Groceries & Dine in: 2 points
Foreign Transactions: 1.5 points
BHD Local: 1 point
BHD Govt. Transactions: 0.5 point
Dynamic Currency Conversion (DCC) Transactions: Not applicable

2.99% per month /35.88% Annual Profit Rate

To apply for your new KFH Credit Card, fill out the form and have the following documents ready:

  • National ID copy (both sides)
  • Latest Smart card reader
  • 3 most recent pay slips or salary certificates
  • Bank statements from the last 3 months

Received your new Credit Card? Here is how you can activate it:

  • Log in to your KFH Mobile or Internet Banking channel.
  • Visit the Card Section.
  • Choose Activate Credit Card and follow the steps.
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