Welcome to a world of infinite pleasures.

Sohar International Family is indeed privileged to present you with Infinite Credit Card that has been especially tailor-made to suit your needs and giving you everything you need to feel the difference as a member of the Sohar International family. Your Infinite Credit Card provides you access to the finest things in life, no matter where you are. It offers an extraordinary selection of distinctive travel, dining, shopping and lifestyle opportunities. It gives you complimentary access to a concierge service that exists to satisfy your every whim. Further, Visa’s international support network can step in to help you, in a medical emergency.

12%*

Interest rate

OMR 50**

Annual fee

Based on invitation

Infinite Credit card

Eligibility

The Sohar International Infinite Credit card is issued by invitation only to selected customers.

Equipped with Visa 3D Secure

Visa 3D Secure guards you against unauthorised use of your card when making online transactions with additional password authentication for online transactions.

Complimentary 5000 Reward Points

Earn more value for your purchases with the Mukaaf'aat loyalty program.

Airport access

Free unlimited access for cardholder with unlimited number of guests

Easy instalment plan

Easy instalment plan (3, 6 or 12 months) with 0% interest. Terms & Conditions apply.

Comprehensive insurance

Cover for travel, medical, purchase protection, extended warranty and zero lost card liability.

Annual Fee Waiver

Minimum spend of RO 15,000 per year per card.

24/7 Global Emergency Assistance

Freeze your credit card by calling our emergency service from anywhere in the world at any time of day.

* 12% introductory interest rate for the first year only, 18% & 20% from year 2 onwards (T&C apply)

** Minimum Spend of RO 15000/-per year per card will entitle you for annual fee waiver

Fees and commission

Fees per Card
Annual Fees
Infinite Credit CardRO 50/- *
Annual Fee WaiverMinimum Spend of RO15000/-per year per card will entitle you for annual fee waiver
Fees and Charges
Interest rate for Sohar International Salary Transfer customers (charged on the statement date outstanding balance)

12% first year

18% from the second year onwards

Interest rate for Sohar International customers against collateral12% first year onwards
Interest rate for other customers (charged statement date outstanding balance)

12% first year

20% from the second year onwards

Value Service ChargeRO 4/- per month
Cash Advance FeeRO 5 + 3% of amount
Card Cancellation FeeRO 20/-
Card Replacement FeeRO 10/-
Over Limit FeeRO 5/-
Duplicate Statement FeeRO 5/-
Late Payment FeeRO 10 + 3% on amount due
Returned Cheque Fee (for lack of funds)RO 15/-
Receipt Copy Request Fee (on invalid disputes only)RO 10/-
Foreign Transactions Fees (applies for all transactions made in currencies other than OMR)RO 10/-
Foreign Transactions Fees (applies for all transactions made in currencies other than RO)2.5% of transaction amount
Re-Payment Term
Minimum Amount Due5% or RO 10/- whichever is higher
Interest Free PeriodUp to 50 days
Cash Advance
Cash Advance Limit50% of card credit limit

Swipe table for more

* 1st year no annual fee. RO 50/- is charged from the second year onwards.

Will I be able to use my Sohar International Infinite Credit Card on ATMs?

Yes, your Sohar International Infinite Credit Card is a global card, accepted all over the world for settling your payments. You’ll be able to withdraw cash using your Sohar International Infinite Credit Card at more than 2.5 ATM’s and 40 Million merchants worldwide.

How much do I have to pay monthly?

You can settle your outstanding balance fully every month, or as minimum as 5%.

Can I use my Sohar International Infinite Card online?

Yes, upon your request, we can enable your Sohar International Infinite Credit Card for online transactions.

What is Verified by Visa?

Verified by Visa is simply an additional layer of security, adding one extra step to the process of paying for something online.

What happens if my card is lost of stolen?

Customer should immediately inform the Bank verbally to Call Center on Tel: +968 24730000

Mukaaf'aat rewards

Our tariffs

Terms & Conditions

The issuance and use of the Bank Sohar SAOG Excel Diamond Infinite Credit 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:

1. Definitions

“Agreement” means these Terms and Conditions and any amendments thereto.

“Bank” means Bank Sohar S.A.O.G and its successors and assigns.

“Card” means the credit 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 interest, fees, and other Card Charges.

“Cardholder” means the Principal Cardholder.

2. Receipt and use of the Card.

2.1 The Card must be signed by the Cardholder immediately on receipt. It may only be used by the Cardholder within the Credit 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 this Agreement and as may be varied from time to time by the Bank in accordance with clause 16 of this Agreement.

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. Credit Limit

3.1 The Bank will assign a Credit Limit to the Card Account which must not be exceeded without the prior approval of the Bank.

3.2 The Bank reserves the right, in its absolute discretion, without being under any obligation to do so, to permit the Cardholder to exceed the Cardholder’s Credit Limit provided that if the Bank permits the Cardholder to exceed his/her Credit Limit the Cardholder shall continue to remain responsible for the discharge of all Card Charges and liabilities incurred by it pursuant to this Agreement.

3.3 If a Cardholder exceeds the assigned Credit Limit without the prior agreement of the Bank, the Bank may at its sole discretion cancel the Card immediately without notice to the Cardholder and all amounts outstanding in the Card Account shall become immediately due and payable by the Cardholder to the Bank.

3.4 If a Cardholder exceeds the assigned Credit Limit. The Bank shall charge a Overlimit Fee to the Card Account at a rate set out in Schedule of Fees and Commissions.

4. 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 Principal Cardholder will be liable to pay to the Bank all amounts so debited whether or not a sale or Cash Advance voucher is singed by the Cardholder. 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 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. Payment and Minimum Payment

5.1 The Cardholder hereby agrees and undertakes to pay to the Bank fees and commissions in accordance with Schedule 1 of Fees and Commissions, payable in respect of Card Account.

5.2 The Cardholder at its option may make payment of Card Charges in one or combination of one of the following mode of payment:

a) by giving written standing instruction/authorization to debit the Cardholder’s other account with the Bank in the amount payable by way of Card Charges;
b) by issuing cheque or any other instrument toward payment of the Card Charges; c) by depositing cash.

5.3 This Minimum Payment which the Cardholder is required to make by or before a Payment Due Date shall be 5% of the balance outstanding in the Card Account as on the Statement Date, provided however that such Minimum Payment shall not be less then RO10/- Choice of Minimum payment percentage is available to customer at the application time and vary from 5% to 100% of the card outstanding.

5.4 If the Minimum Payment is not received by the Payment Due Date, the Bank may at its discretion without notice to the Cardholder cancel or suspend the use of the Card without any liability being incurred by the Bank.

5.5 In the event of failure of the Cardholder to pay the Minimum Payment by the Payment Due Date the Bank shall be entitled to set off the Card Charges by debiting any other account of the Cardholder maintained with the Bank and without the prior notice to the Cardholder.

5.6 If the Cardholder has provided any standing payment instructions/authorization for the payment of Card Charges, or in case of a cheque or any other instruments of the Cardholder not being honored, or the available clear funds being insufficient to discharge the outstanding Card Charges, the Bank at its sole discretion may charge the Cardholder a Finance Charge as set out in the schedule 1 of Fees and Commission on the outstanding Card Charges and may process any such standing instruction whenever sufficient clear funds are available to the credit of the Cardholder’s other accounts.

5.7 If the Cardholder disagrees with any Card Charges indicated 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 dispute such Card Charge at a later date.

5.8 Any payments made by a Cardholder will be applied by the Bank in or towards discharge of the Cardholder’s liabilities to the Bank under this Agreement in such order as the Bank may decide.

6. Cash Advance

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 at the rate set out in the schedule 1 of Fees and Commission.

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 ATM or the temporary insufficiency of funds in such machines or for any other reason whatsoever.

6.3 Any payment made by the Cardholder by cheque or other any other instrument deposited at an ATM shall be deemed to be received by the Bank on the date when the amount is credited to the Card Account after such cheque or any other instrument is cleared through the normal banking channel any statement issued by the Bank at the time when such cheque or any other instrument is deposited in ATM shall only represent that the Cardholder purports to have deposited the cheque or any other instrument and shall in no way bind the Bank.

6.4 Any Cash deposit made at an ATM shall only be deemed to have been received by the Bank upon verification and up on credit of such cash deposit to the Card Account.

6.5 The Cardholder must notify the Card Services in writing, as soon as possible, of any changes in the Cardholder’s employment/office/home address and telephone numbers.

7. Interest

7.1 Interest on the balance outstanding in the Card Account shall be charged at the prevailing rate set out in Schedule 1 of Fees and Commissions by the Bank.

7.2 Interest will accrue on the balance outstanding in the Card Account after giving credit for any amounts received by the Bank by the Payment Due Date in accordance with this Agreement. Interest will be charged to the Card Account from the following Statement Date.

7.3 No interest will be charged on the outstanding balance if the Card Account is settled in full by the Payment Due Date.

8. Internet Transactions

8.1 The Bank reserves the right to initiate/provide/reduce the limit/block or cancel facility to perform transactions over the internet at its own sole discretion without prior notification to the Cardholders and according to the policy of the Bank.

8.2 The Bank reserves the right to apply and modify at its own discretion maximum limit assigned to the customer for internet usage above which, if requested by the Cardholder, the later will provide an official indemnity to the Bank for any transaction done above the above said limit.

8.3 The Bank is not liable for any inconvenience caused or loss incurred due to failure to approve a transaction by any merchant, non-receipt of merchandise or services, or unsatisfactory merchandise or services. The Bank is not responsible for the delivery, quality, safety, legality of goods and services purchased by the cardholder with the Bank Sohar Card, or any aspect thereof, or for any cancelled recurring transactions.

8.4 The Bank is not responsible for any unauthorized transactions on the Card.

8.5 It is responsibility of the Cardholder to verify the legality of the transaction.

8.6 Funds will be withheld for any transaction that has been “authorized,” and this amount will not be available to Cardholder for use elsewhere. The Bank cannot manually release a legitimate authorization without notice from the merchant.

8.7 By purchasing, retaining, using the Card over the internet or authorizing the use of the Card; Cardholder acknowledges that:
a) the Bank has exclusive liability under this Agreement to issue the Card pursuant to these terms and conditions and to facilitate the use of said card to make purchases over the internet.
b) the Bank has no further liability towards Cardholder in connection with the Card and this Agreement.
c) and agrees to disclaim any liability, duty, or responsibility, other than those expressly set forth in this agreement.

8.8 Cardholder acknowledges that neither the Bank, nor any officer, director, representative, or employee of the Bank is liable for any damages or costs incurred by the Cardholder for the transactions made via internet channels or any other “card-not-present” environment channels.

9. Ownership of the Card

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 or any Cards issued for use by a Cardholder.

10. Termination

10.1 The Principal Cardholder may terminate this Agreement by written notice to the Bank but such termination shall only be effective on the return to and receipt by the Bank of all Cards issued for use by the Cardholder, and upon payment of outstanding balance in the Card Account together with the amount of outstanding Card Transactions effected but not yet charged to the Card Account.

10.2 The entire outstanding balance in the Card Account together with the amount of any outstanding Card Transactions effected but not yet charged to the Card Account will become immediately due and payable to the Bank on termination of this Agreement.

10.3 Unless otherwise agreed by the Bank on the death or bankruptcy of the Principal Cardholder or upon the breach of any of these Terms and Conditions by the Cardholder, this Agreement shall stand terminated and the entire outstanding balance in the Card Account together with the amount of any outstanding Card Transactions effected but not yet charged to the Card Account shall become immediately due and payable to the Bank. The Bank shall be entitled to debit such outstanding amounts to any other account of the Cardholder with the Bank.

10.4 The Principal Cardholder shall be responsible for the payment and settlement of all and any outstanding amounts in the Card Account and shall keep the Bank indemnified against all costs, charges (including legal/court fees), liabilities, and expenses incurred by the Bank in recovering such outstanding payable by the Principal Cardholder. Pending such repayments, the Bank shall be entitled to continue to apply Financing Charges at its prevailing rate(s) on the outstanding amount in the Card Account.

10.5 The Bank may terminate this Agreement at any time by canceling or refusing to renew or replace the Card with or without prior notice and with or without cause. Unless and until such termination takes place, the Bank shall provide a new Card to the Cardholder from time to time upon expiry, loss or destruction of the old Card.

10.6 Upon termination as provided in Condition 10.1 or 10.3 or 10.5, the Bank shall block such amount, as the Bank in its absolute discretion deems fit but not exceeding 150% of the Credit Limit, in any other account maintained by the Principal Cardholder with the Bank for a minimum period of 45 days from the date of such termination. The blocked amount shall be held by the Bank as security against any Card Transactions effected by the Cardholder prior to such termination. The residual balance, if any, after adjusting the Cardholder’s outstanding liability in the Card Account will be released by the Bank to the Principal Cardholder after expiry of the 45 days period. Alternatively, the Principal Cardholder may provide a guarantee acceptable to the Bank to secure payment of the entire outstanding amount in the Card Account.

11. Safeguarding the Card and PIN

11.1 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.

11.2 The Cardholder shall prevent the PIN becoming known to any other person.

11.3 The Cardholder will 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.

12. Loss of the Card

12.1 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 Principal 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/s to the Bank immediately.

12.2 The Cardholder shall provide to the Bank all the 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 a missing Card.

12.3 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 of this Agreement.

12.4 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.

13. Refunds and Chargebacks

13.1 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.

13.2 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.

13.3 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.

13.4 The Bank shall not be responsible for goods or services purchased by a Cardholder using the Card.

13.5 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 will be liable for the disputed amount.

14. Credit Card Insurance

The Insurance Policy is underwritten by Oman Insurance Company (P.S.C.), and the insurance coverage that the insurance Policy provides is at all times subject to the policy/terms and conditions of the insurance contract issued by the insurer. Bank Sohar S.A.O.G. shall not be responsible for insurers actions or decisions nor shall Bank Sohar S.A.O.G. be liable regarding payment of claims or services under the Policy.

15. SMS BANKING FACILITY

15.1 Availability and Disclosure

15.1.1 Bank Sohar reserves the right to decide what services may make up the SMS Services to be offered to a Customer for each Card Account, and such offers may differ between customers.

15.1.2 The SMS Services are made available to the Customer at the sole discretion of Bank Sohar and may be discontinued by Bank Sohar at any time, without notice. Bank Sohar reserves the right to offer the SMS Services for those Customers of specific cellular service providers only.

15.1.3 The Services are available only to the Customers holding Bank Sohar Credit Cards

15.2 Authority to Bank Sohar

15.2.1 The Customer irrevocably and unconditionally authorizes Bank Sohar to access all his Credit Card Account/s for using the SMS Services and to share the Credit Card Account information with any third parties for the purpose of executing such SMS Services.

15.3 Alerts

15.3.1 The Alerts will be sent to the Mobile Phone Number last registered with Bank Sohar. Bank Sohar will not provide Alerts for two Mobile Phone Numbers for the same Card Account.

15.3.2 Bank Sohar shall have the right to suspend the SMS Services at any time for any reason and may require an indemnity from the Customer before continuing to operate the Services.

15.4 Accuracy of Information

15.4.1 The Customer undertakes to provide accurate and complete information/Telephone and mobile number wherever required and shall be solely responsible for the correctness and completeness of information provided by him to Bank Sohar at all times, including, but not limited to, for the purposes of availing of the SMS Services. Bank Sohar shall not be liable for any consequences arising out of the Customer’s supply of erroneous information.

15.4.2 If the Customer suspects that there is an error in the information supplied by Bank Sohar to him, he shall advise Bank Sohar as soon as possible. Bank Sohar will then use its best endeavors to correct the error wherever possible and applicable.

15.4.3 While Bank Sohar will take all reasonable steps to ensure the accuracy of the information supplied to the Customer, Bank Sohar shall not be liable for any consequences arising from its inadvertent provision of any inaccurate information under the SMS Services.

15.5 Disclaimer of liability

15.5.1 Bank Sohar shall not be responsible for any lack of availability of the SMS Services due to the Customer not being within the geographical range in which the SMS Services are available and which forms part of the roaming network of the Customer’s cellular service provider.

15.5.2 The customer undertakes to inform Bank Sohar incase of change in or termination contract of either the mobile phone number or the mobile service provider. Bank Sohar shall not be responsible for any lack of availability of the SMS Services due to this change or termination.

15.5.3 If the Customer has reason to believe that the Mobile Phone Number is or has been allotted to another person and/or there has been an unauthorized transaction in the Card Account and/or his mobile phone handset is lost, he shall immediately inform Bank Sohar of the same.

15.5.4 Bank Sohar shall endeavor to provide the Services on a best efforts basis and the Customer shall not hold Bank Sohar liable for non-availability of the SMS Services or non-performance by Bank Sohar’s service providers (if any).

15.5.5 Bank Sohar shall not be liable to the Customer under any circumstances for any losses or damages whatsoever arising from the SMS Services, including (but not limited to) any consequential or indirect losses or damages including loss of revenues, interruption of business loss of profit or loss of business opportunity and whether sustained by the Customer or by any other person.

15.5.6 The Customer accepts that each Alert may contain certain information relating to the Customer’s Card Account/s. The Customer hereby authorizes Bank Sohar to send such Card Account related information, even if not specifically requested, if Bank Sohar deems that the same is relevant. Bank Sohar shall not be held responsible for the confidentiality, and security of any personal or Card Account related information provided by the SMS Services.

15.5.7 Under no circumstances shall Bank Sohar be liable to the Customer if the SMS Services are not available for any reason, including (but not limited to) natural calamities, legal restraints or faults in the telecommunications network. Illegal or improper use of the SMS Services by the Customer shall render him liable for payment of financial charges or damages (as decided by Bank Sohar) and/or will result in suspension or cancellation of the SMS Services/Card Accounts for the Customer at the sole discretion of the Bank.

15.5.8 The Customer also agrees Bank Sohar may disclose to other institutions such information as it deems reasonably necessary for reasons including (but not limited to) participation in any telecommunication or electronic clearing network, in compliance with any legal directive, for credit rating by recognized credit scoring agencies and for fraud prevention.

15.5.9 The Customer agrees that Bank Sohar shall not be involved in any dispute between him and any cellular service provider (or any third party providing such services) through which the SMS Services are being accessed by the Customer.

15.6 Fees

15.6.1 Bank Sohar shall have the discretion to charge such fees as it deems appropriate from time to time and may, at its sole discretion, revise the fees for use of any or all of the SMS Services, by a general notification to the client.

15.6.2 The Customer shall be liable for payment of any airtime or other charges which may be levied by any mobile service provider in connection with the provision of the SMS Services and Bank Sohar is in no way responsible for the same. The Customer acknowledges that Bank Sohar’s fees are exclusive of all amounts payable to any mobile service provider.

15.7 Termination of SMS Services

15.7.1 The Customer may request cancellation of the SMS Services by giving written notice in form of acknowledgment / indemnity form to Bank Sohar. Notwithstanding such cancellation, the Customer shall continue to be responsible for any transactions prior to Bank Sohar putting into effect such cancellation. Bank Sohar may, at its discretion, suspend or terminate the SMS Services (either wholly or in part) at any time without giving prior notice to the Customer.

15.7.2 The closure of the Card Account/s of the Customer shall automatically terminate the provision of the SMS Services by Bank Sohar. Bank Sohar may suspend or terminate the Services without prior notice if it believes that the Customer has breached these Terms and Conditions or it learns of the death, bankruptcy or lack of legal capacity of the Customer. Customer must notify the bank immediately in case he/she continues to receive alerts/services from Bank Sohar for his/her card account after the 2 months of the card account cancellation date.

16. Variation of the Agreement

16.1 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 1 of Fees and Commission and notify the Cardholder of such amendment, modification or variation.

16.2 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 Schedule 1 of Fees and Commissions, if the Cardholder decides not to terminate this Agreement and/or decides not to return the Card but continues to keep or use the Card after having been notified of such amendments, modifications or variations by the Bank.

16.3 Each of these 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.

17. Legal Action

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. The Cardholder shall be responsible for the discharge of all legal cost, charges, fees and expenses incurred by the Bank in such legal proceedings.

18. Disclosure of Information

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 to be 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.

19. General

19.1 The Bank shall not be liable to the Cardholder if it is unable to perform its obligations under this Agreement due (directly or indirectly) to the failure of any machine, data processing system or transaction link or anything outside the control of the Bank, its agents, sub-contractors, service providers or promotional programs partners. The Bank’s inability to perform its obligations in such circumstances shall not be used as a defense in respect of the liability of the Principal Cardholder for all Card Transactions that have taken place.

19.2 The Bank will not provide to the Cardholder Card Transaction vouchers (or sales vouchers) signed by the Cardholder. Only in case of a dispute may the Bank, at the cost of the Cardholder, provide to the Cardholder a photocopy or microfiche copy as documentary proof of the Cardholder’s liability, provided the Cardholder makes a request in writing within 30 days from the relevant Statement Date.

19.3 The Cardholder irrevocably agrees and consents, subject to the applicable laws, that the Bank shall have the right at its absolute discretion to transfer, assign and sell in any manner, in whole or part of the balance outstanding in the Card Account. The Cardholder hereby authorizes the Bank to appoint collection agents for recovery of amounts outstanding in the Card Account. The Cardholder shall be liable for all costs, and legal expenses incurred by such transferee, assignee, purchaser or collection agent for recovering or for collecting the balance outstanding Card Charges due from the Cardholder.

19.4 The Cardholder irrevocably agrees and consents to the Bank transferring or sub-contracting its rights under these Terms and Conditions or the services provided by the Bank to the Cardholder to any third party, whether or not such third party operates in another jurisdiction or territory. The Bank shall remain liable to the Cardholder for any recoverable loss or damage incurred or suffered by the Cardholder as a result of the negligence, breach or default of any such third party, and will require such third party to maintain the confidentiality of any such information to the same extent as the Bank.

19.5 Information about the Cardholder may be processed offshore.

19.6 Cardholder telephone calls may be recorded and retained by the Bank.

19.7 The Cardholder agrees to provide full details of the Cardholder’s employer to the Bank immediately upon the request of the Bank. The Cardholder irrevocably authorizes the Bank to contact Cardholder’s employer to notify such employer of the details of the Cardholder’s facility with the Bank and to request that all sums owning to the Cardholder (by the employer) be paid directly to the Card Account with the Bank. The Cardholder further irrevocably authorizes the Bank to request and receive notice from the employer of termination of the Cardholder’s employment.

20. Governing Law and Jurisdiction

20.1 The Terms and Conditions of this Agreement shall be construed in accordance with and governed by the Laws of the Sultanate of Oman.

20.2 In case of any disputes arising between the Parties hereto, the Courts of the Sultanate of Oman shall have jurisdiction over the same.

20.3 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.

20.4 Bank Sohar accepts no liability whatsoever, direct or indirect, for non-compliance with the laws of any country other than those of the Sultanate of Oman. The fact that the Services can be accessed by the Customer in a country other than the Sultanate of Oman does not imply that the laws of the said country govern these Terms and Conditions and/or the Services.