Dear Customer,

Here are all the features & benefits of this best-in-class Credit Card from Commercial Bank.

Platinum Credit Card Product Features, Benefits & Important Information:

• First year free no annual/joining fee; if you frequently use your card during the 1st year and accumulate
more than QAR 50,000 on regular purchases (excluding Buy Now Pay Later, Cash Advance transactions
& any fees/charges), the 2nd year annual fee of QAR 750 will be waived off. If not, automatically the
fee will be deducted on the 1st Anniversary of your Credit Card (for 2nd year).
• Repayment options can be set-up for a minimum 3% of your total outstanding balance or up to a
maximum of 100%.
• Bank statement is generated at the end of the month and will be emailed to your registered email
address with Commercial Bank.
• Credit Card Payment due date is printed on the card statement.
• Cash Advance Fee is 4.5% for Visa & MasterCard + a cash advance interest fee is also applicable from
the date of withdrawal.
• For cash advance availed online the fee is 3.5% + a cash advance interest fee will be applicable from
the date of withdrawal.
• If outstanding balance is not paid on or before the due date printed on your card statement, you will
incur interest on the outstanding balance + Credit Shield Insurance Fees & Late Payment Fee. The
interest on outstanding balance is 1% & Credit Shield Plus Charges are 0.65%.
• Late Payment Fee charge is 0.25% of your outstanding balance or QAR 100 whichever is greater.

Note - Credit Shield is an insurance which covers purchase protection, extended warranty, accidental
death, critical illness and loss of employment.

BUY NOW PAY LATER PARTNER LINKS:

For the full list of merchant partners participating in our Buy Now Pay Later at 0% interest, please visit our
website, some partner links are attached below:

Travel Partners - http://www.cbq.qa/EN/Personal/Offers/Pages/Travel.aspx

Shopping Partners - http://www.cbq.qa/EN/Personal/Offers/Pages/Shopping.aspx
Dining Partners - http://www.cbq.qa/EN/Personal/Offers/Pages/Dining.aspx

Call for Credit:

Commercial Bank can instantly transfer cash into your personal account if needed. This is a facility whereby
you can request up to 95% of the available balance on your Credit Card which can be transferred to your
personal account. Repayment can be made in monthly installments with a low interest rate of 0.25% per
month, interest will be charged from the date of transaction and additionally a 0.65% credit shield
insurance fee will also be applicable. To avail this facility, call 4449 0000.

Call for Cash:

This is a facility whereby you can request cash from the available balance on your credit card with an
interest charge/fee of 1% per month from the date of transaction + 0.65% credit shield insurance fee. For
more details please refer to: http://www.cbq.qa/EN/Personal/Cards/Card-Benefits/Pages/Call-For-
Cash.aspx
Easy Pay:

You can convert any retail transaction over QAR 1,000 into 3, 6, or 12 months installment plan before the
statement is generated. All you have to do is login to Commercial Bank Internet Banking or Mobile Banking
and select “Pay in Installments” option.

REWARDS POINTS:

Joining Bonus Reward Points:

• You are eligible for 7,500 CB Reward Points worth of QAR 750 if your retail spend (excluding Buy Now
Pay Later, Cash Advance transactions & any fees/charges) reaches QAR 7,500 within 90 days of card
activation.
• The joining bonus reward points have a validity period of 90 days from the date of credit.
• Commercial Bank joining bonus reward points are given only once (i.e., if you cancel your card and
reapply, you will not be eligible for joining reward bonus points).

CB Reward Points:

• For every retail purchase of QAR 20 on your Visa or MasterCard you will earn 1 CB Reward Point.
• For every retail purchase of QAR 15 on your Diners Club Card you will earn 1 CB Reward Point.
• CB Reward Points have a validity of 24 months from the date of credit.
• CB Reward Points can be easily redeemed for instant Qmiles, flights & hotels stays, Rent-a-Car, charity
and many other shopping vouchers. For more information please visit http://www.cbqrewards.com/

Diners Club Lounges:

• Your Diners Club card entitles you to Diners Club airport lounges worldwide at free of cost. However,
any guest that accompanies you will be subject to charges as per lounge pricing guide.
• For the list of airport lounges please visit – http://www.dinersclublounges.com/

Important Links:

• To view our schedule of charges please visit: https://www.cbq.qa/EN/Advice-and-

information/Information-library/Terms-and-Conditions/Documents/cbq_toc_sept2017_en.pdf
• For general terms and conditions refer to the below link:
https://www.cbq.qa/EN/Advice-and-information/Information-library/Terms-and-
Conditions/Documents/Retail%20TC%20-%20November%202020%20English.pdf

Should you have any other question with regards to your credit card, please feel free to contact us.

Thanking you,

Commercial Bank

Terms and conditions apply