Cost of borrowing
Reward
Warba Cashback Program
autoCashback ranked at the 1% floor (guaranteed at the KD 250/month minimum). Spend-tiered by monthly spend: 1% (KD 250–1,000), 2% (1,001–2,000), 3% (2,001–3,000), 4% (3,001–6,000), 5% local / 10% international (6,001+) — ranked at the assured floor, higher tiers not guaranteed. 1 point = KD 1 (Pocket wallet, cash-redeemable). Monthly cashback cap set by Warba banking segment (Private KD 1,000 / Royal 750 / Priority 450 / Primary 150). Min KD 250/month to qualify; per-MCC sub-caps for Primary/Priority; segment locked on the 1st of the month; excludes cash withdrawals, crypto/FOREX, charity and Sharia-noncompliant merchants; 12-month point expiry; effective 1 March 2026.
Monthly cashback cap by segment
Cap KD 150–1000 by Warba banking segment
- Private Banking
- KD 1000no per-category cap
- Royal Banking
- KD 750no per-category cap
- Priority Banking
- KD 450KD 250/merchant category
- Primary Banking
- KD 150KD 100/merchant category
Your monthly cashback cap is set by your Warba banking segment (fixed on the 1st of the month; non-segmented customers earn no cashback). Per-merchant-category sub-caps apply to Primary and Priority.
Benefits
Travel
- Airport lounge access
- 12 complimentary visits/year to 1,300+ lounges in 135 countries via the Mastercard Travel Pass app.
Partner offers
- Booking.com cashback
- up to 10%
- IHG Hotels & Resorts discount
- 15%
- Cleartrip international airfare discount
- up to 10%
- Avis President's Club + up to 35% off
- up to 35%
- RentalCar.com discount
- up to 10%
- Talabat food & grocery discount
- up to 20%
- Bicester Village Shopping Collection
- Lingokids Plus membership
- 50%
- Fiit subscription discount
- 25%
- Go Gamers premium discount
- 50%
- MyUS Premium + shipping discount
- up to 30%
Lifestyle
- Flexiroam global data roaming
- Flexiroam
- Hertz Gold Plus Rewards membership
- Hertz
- Visa application service (Fulfill Solutions)
- Fulfill Solutions
- Global Blue VIP (VAT refund)
- Global Blue
- Instant travel insurance letter
- Warba Bank
Protection
- Travel medical insurance (USD 500,000)
- USD 500,000
- Travel inconvenience insurance (USD 7,500)
- USD 7,500
Sources
Last verified: 2026-07-02- identitywebpageApply at bank