Introducing KFH World Credit Card.
The new and Sharia-compliant KFH World Credit Card (World Mastercard®) makes your shopping even more rewarding. Enjoy a card that offers new options, more flexibility, and extra rewards to complement your lifestyle. Apply for your new card today and get rewards faster than ever!
Pearl Rewards: Earn on all spends, spend on everything you love
As an KFH World 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.
Groceries and restaurant bills
Earn 2 Pearl Points for every BHD spent on groceries and restaurant bills.
Foreign currency purchases
Earn 1.5 Pearl Points for every BHD of foreign currency spent.
Local currency purchases
Earn 1 Pearl Point for every BHD of local currency spent.
Shop over 600+ products from 135+ partners...
With the KFH World 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.
Netflix
Amazon
Adidas
Nike
Carrefour
Al Jazeera
JoyAlukkas
Sharaf DG
Lulu Hypermarket
& many more...
Transfer points to partner programs
With the KFH World 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 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 Credit 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.
Up to 20% off with partner restaurants
Discover great deals with your KFH World 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.
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 Credit cardholders home and abroad.
Visit Priceless.com to find out more.
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
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
E-Commerce Insurance
Shop with confidence online, knowing that the purchases you make with your KFH World 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.
Get access to
1,500+ airport
lounges
KFH World Credit Cardholders and their supplementary members 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.
Each cardholder, primary and supplementary, should register and show their individual QR code to avoid guest charges.
Please click here to view the Complimentary Airport Lounge Access Policy
Discover the MasterCard
World Advantages
Booking.com
Use your KFH Rewards to book your next staycation or vacation on Booking.com and enjoy 10% money back at hundreds of thousands of properties locally and around the world. To book visit booking.com/mastercardmea
Talabat
Order with Talabat with your KFH Rewards to enjoy up to 20% discount on one grocery or food order per month. Download the Talabat app and enter promo code MASTERCARD.
IHG Hotels and Resorts
Get 15% discount on IHG Hotels & Resorts across Europe, Maldives, India, Middle East & Africa when you book at http://www.ihg.com/mastercardoffer. T&Cs apply.
Add your card to 
Wallet
No annual fee for the 1st year
First year free and fee waived from second year onwards unless the annual spend is below BHD 2,500, in which case a fee of BHD 25+10% VAT will apply.
Know more about KFH World Credit Card
Fees and charges
Annual Membership Fee: BHD 25 + 10% VAT.
Eligibility
Your minimum monthly income should be BHD 300.
Profit rate
KFH World 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
Income eligibility
BHD 1,500Annual Membership Fee
BHD 100 + 10% VATNetwork
Mastercard (World Elite)Complimentary golf
YesAnnual Membership Fee Waiver
No waiver
Annual membership fee waiver for 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
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
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.
