Credit Cards

Your solution to all your financial business needs.

The QNB Business credit cards deliver a world class service that ensures flexibility to manage your cash flow, control your payments, providing reporting & analytical tool services together with world class loyalty program.

The convenience it provides can effectively help build your business.

Benefits & Features

  • Easy worldwide access to a revolving line of credit to meet your company’s working capital and cash flow needs;
  • Multiple cards linked to a single credit limit, with separate usage limits for each cardholder and payment controls for each individual card;
  • Increased efficiency that saves time for core business development;
  • Comprehensive travel benefits – Airport Lounge Access across the world, Travel Insurance
  • Corporate Liability Waiver;
  • Attractive interest rate of only 1% per month and access to 0% installments plans and payment holiday options;
  • Cash-flow support with up to 55 days interest-free credit period for all your card purchases;
  • Simplifies reconciliation and accounting with online statements and Smart Data service;
  • Enhanced security through Chip & PIN technology and automatic SMS alerts after every use;
  • Top of the line security feature when paying online at 3D Secure merchants;
  • Contactless enabled card that makes it very easy to pay for low-value transactions;
  • Life Rewards loyalty program designed to reward you for all card purchases.

How to get the best out of your QNB Business credit card?

  • Use your QNB Business credit card rather than cash and cheques to pay for your everyday business expenses such as government payments, general office maintenance and repairs, stationary, utilities, online purchases and business travel expenses and:
  • Get rewarded every time with Life Rewards loyalty points and enjoy the unique benefits attached to your card.
  • Obtain transparency through reporting, controlling and reconciliation using Smart Data service.
  • Enhance your negotiations with suppliers using SmartData

For further inquiries on the QNB Business credit card, please contact your dedicated Business Banking Relationship Manager.

Eligibility

  • QNB customer with a corporate account
  • Business must be in operation for over 6 months

How to use or apply

 Visit your QNB Corporate Branch and provide the following:

  • Company profile
  • Copy of recent and valid commercial registration
  • ID/CR copies of partners/owners and authorized signatories (If borrower is owned by another company the CR of that company)
  • ID card of the cardholder

Life Rewards

Earn rewards on your company spend

Earning Life Rewards Points

Every time you use your QNB Business Credit Card for purchases (either at POS or online) you will be awarded with Life Rewards points based on your purchase type as follows:

  • Purchases, excluding Government Spending: 1 Life Rewards Point for every QAR 5
  • Government Spending:1 Life Rewards Point for every QAR 7

Companies which do not hold a Card Facility and which apply for such a facility from the Bank starting with 1st November 2019 shall be entitled to one-time Welcome Points in amount of 4,000 Life Rewards points.

Redeeming Life Rewards Points

QNB offers you a wide range of redemption options including a broad network of partners. We make it very easy to redeem your points anywhere and anytime you want, whether directly redeem your Life Rewards points at one of our over 800 partner outlets in Qatar, redeem through QNB’s ATM or you can contact your dedicated Business Banking Relationship Manager or Customer Service Officer for other various rewards offer:

  • Cashback on Credit Card

Enjoy getting credit balance in your credit card by redeeming points through QNB ATM.

The balance can be used for spending or settling credit card bills.

Type of Rewards

Life Rewards

Value/Conversion Rate

Pay QNB Credit Card as a Credit Balance

50 Points

QR 1

  • Life Rewards Merchant Partners

Make daily transactions and pay with your points at more than 800 participating outlets in Qatar.

Type of Rewards

Life Rewards

Value/Conversion Rate

Pay through QNB POS at Life Rewards Partners

20 Points

QR 1

  • Paying Monthly Utility Bills

Pay your monthly utility bills for Ooredoo/Vodafone by using Life Rewards points through QNB ATM.

Type of Rewards

Life Rewards

Value/Conversion Rate

Ooredoo/Vodafone Monthly Bill.

50 Points

QR 1

  • Cross-Loyalty Rewards Platform

Exchange points for a variety of other loyalty rewards, such as: Harrods Cash Rewards, QMiles and Nojoom points. The primary Member can request through their dedicated QNB Relationship Manager or QNB Call Centre to submit a redemption request.

Type of Rewards

Life Rewards

Value/Conversion Rate

Harrods Cash Reward Balance

140 Points

GBP 1

QMiles

2 Points

1 Qmile

Nojoom Point

2 Points

1 Point

Terms and Conditions for QNB Commercial Cards

Airport Lounge Access

LoungeKey Airport Lounges Access

Escape the crowded airport and work, rest or unwind in luxury at select airport lounges around the world.

No matter what airline you are flying with or class of business is yours, LoungeKey is specially designed to allow you access a relaxing ambience before your next take off.

Access to the participating airport lounges is very simple – just present your Mastercard Business credit card and quote LoungeKey and benefit from*:

  • VIP treatment in more than 850 airports lounges worldwide,
  • Quiet spaces to relax and escape the stress of the terminal,
  • Complimentary amenities such as WIFI, business centers, refreshments and snacks, and much more

*A fee of USD27 will be charged for any guest(s) above the entitlement awarded by your card.

Terms and Conditions of each local market will apply. Subject to availability in each market.

Further details including Cardholder Conditions of Use as well as the detailed entitlements available for your card can be found at: https://www.loungekey.com/mcworld.

Mastercard Benefits

Mastercard Benefits for Business Cardholders

Whether if you travel abroad or in Qatar, you can enjoy the following selected benefits brought to you by QNB in partnership with Mastercard.

Travel Insurance – to protect you when you are traveling

Purchase your travel tickets with your QNB Business Credit Card and you and your family (spouse and children) will benefit from a comprehensive Travel insurance, covering personal accidents, medical expenses, travel inconvenience (trip delay, trip cancellation, lost or damaged baggage).

Who is insured?

All Primary and Supplementary QNB Business credit cardholders, aged between 18 years and 69 years are insured, provided that air tickets and/or hotel accommodation have been paid using their cards. Coverage is valid from the time you leave the country until you return with a maximum of a 180 day stay.

What are the insured events?

  • Travel accidents and Medical coverage: up to USD 500,000
  • Trip delay, missed connection or baggage delay: USD 300 for delays in excess of 4 hours
  • Lost luggage coverage: up to USD 3,000
  • Trip cancellation or missed connection: up to USD 7,500
  • Zero deductibles on all benefits

How to file a claim?

Any claim must be submitted within 90 days from the occurrence of any insured event by logging in to Mastercard’s portal: https://www.mcpeaceofmind.com.

Terms & Conditions apply.

Business Liability Waiver – insurance to protect your business

This protects the company against unauthorized use of any QNB Business Credit Card by its employees, up to a maximum annual amount of USD 25,000 per Cardholder and USD 1,600,000 per Company per annum.

Terms & Conditions apply.

My Book Qatar - hundreds of 2 for 1 offers in Qatar and abroad

Hundreds of complimentary offers in Qatar and abroad across fine dining, spas and many other leisure activities such as:

  • Complimentary main menu item when one main menu item is purchased
  • Complimentary therapeutic massage when one therapeutic massage is purchased
  • Complimentary one night hotel accommodation when one night is purchased

As a QNB Business Credit Card holder you will have access to up to 1,400 offers from 400 outlets.

How to redeem?

If you do not have a My Book account, just download My Book app and register with the first 6 digits of your QNB Business Credit Card.

If you already have a My Book account, just register your card in app from Settings – Mastercard Membership.

DHL Shipping Discounts – save on your daily business shipments

To avail the promotion, you must use promo code MASTERCARD when paying with your QNB Business Credit Card where shipment is allowed through DHL.

  • Discount applies to shipping charges, excluding insurance charges and fuel surcharges
  • Full payment for DHL services must be made with a valid QNB Business Credit Card
  • Promotion is valid at all DHL or DHL affiliate locations in Middle East, North Africa, and South Africa as well as at www.dhl.com.

HERTZ Offer – discounts and complimentary upgrades when renting a car

Hertz Gold Plus Rewards® Five Star ensures a faster, more personal service that offers the very best in choice and comfort as well as time-saving ‘counter bypass’ at many locations.

QNB Business Credit Card entitles you to complimentary Hertz Five Star membership which will provide these privileges and benefits:

  • Up to 15% off, best publicly available rates at participating Hertz locations worldwide.
  • A One-car-class upgrade*
  • A fee waiver for an additional driver (spouse/partner for Gold Plus Rewards Members).

To receive these benefits go to www.hertz.com/mcworld simply quote your Hertz Gold Plus Rewards Five Star membership number at the time of reservation.

* Subject to availability, with restrictions in some locations

Starwood SPG Offer - complimentary nights at over 175 participating Starwood Properties

With the QNB Business Credit Card you can now enjoy Complimentary Hotel Nights at over 175 participating Starwood Properties in Europe, Middle East, and Africa.

  • One complimentary hotel night after booking two hotel nights
  • Two complimentary hotel nights after booking four hotel nights

To avail the offer, simply visit spg.com/mastercard.

ClearTrip Discounts – year-round uncapped discounts on hotels and airfare

Enjoy an uncapped 10% Discount on International roundtrip flights with Cleartrip.

  • Offer only valid when using promo code MCWORLD. To avail the offer, simply go to www.cleartrip.ae and book your flight and enter MCWORLD promo code
  • Discounts on airfares are applicable on all airlines
  • Discounts are applicable on base fare only
  • Offer is valid when booking via both ClearTrip website as well as the mobile application
  • Offer is applicable to World Mastercard cardholders only
  • No minimum amount restrictions
  • Offer cannot be used in conjunction with any other offers and is subject to availability.

VAT Reclaim Service - end-to-end solutions to manage VAT expenditure through DNATA

VAT on service expenses accumulated on business travel in 18 countries can now be reclaimed through DNATA and Mastercard at a preferential rate on a fully managed service.

To start using this service and benefit from an additional source of revenue at no extra cost, contact the service supplier at vatreclaim@dnata.com or +974 4448 4848.

The service supplier will handle all the VAT refunds claims on your behalf and will retain a small percentage of the VAT recovered, as agency fee. If no reclaim is possible, rest assured that you will not be charged anything.

Priceless Cities – experiences around the world

Mastercard is pleased to offer you a global collection of special offers from 77 Cities, available to QNB Business Credit Card holders across 43 countries.

Priceless Cities program offers a unique collection of over 2,000 experiences and offers especially curated for Mastercard cardholders, from dining to travel and entertainment.

Simply visit https://www.priceless.com/ to enjoy the offers.

Discounted rides with Careem – monthly discounts on chauffeured rides

When you travel across countries in the Middle East with your QNB Business Credit Card, you can enjoy:

  • 20% discount for 3 rides each calendar month
  • A First Ride Free (for New Careem customers only)

 

All benefits provided by Mastercard can be changed from time to time and QNB is not liable for such changes.

Smart Data

Smart Data is a Mastercard proprietary solution for global card reporting, business intelligence and expense management solution, enabling:

  • The enrichment of the card expenses data, adding more details to help you to better understand your cardholders usage
  • Reconciliation benefits via reporting capabilities and/or data file integration to all major ERP programs. Output files can be easily uploaded to your finance system for easy reconciliation
  • Improved negotiation power with your suppliers based on reporting capabilities (i.e. using the total expenses for a specific time period on a supplier).

Smart Data allows you to monitor, manage and control any Company’s expenses performed with your QNB Business Credit Card. Your card transaction data is enriched with Mastercard’s proprietary enhanced travel data to provide you with a unique solution to reconcile all spending by offering you templated or bespoke reporting on all expenses.

Payment Controls

QNB is aware that managing and controlling your payments represent a key factor of your payment needs. As such, QNB offers tailored, bespoke payment control services that enables your business to keep all spending under control.

The complete payment control package offered by QNB include:

  • Real-time SMS Alerts => know all the time the specific transactions performed by your employees holders of any QNB Business Credit Card;
  • Spending Controls => employee's spending is kept within a budget by assigning an individual authorization limit that cannot be exceeded without the Company’s approval;
  • Block access to certain types of spends => you can request QNB to block specific cards from being used for international transactions or online payments or certain merchant categories – you decide the specific access you want to give to your cardholders;
  • Geo-blocking => you can request QNB to geographically limit acceptance of cards selectively to any country you require.
  • Allow access only to certain types of spends => you can request QNB to block all transactions for specific cards except certain specific transactions (e.g. request for a specific card to be used only for Government entities payments in Qatar, with a specific authorization limit).

Contact your dedicated Relationship Manager for more information.

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