Working hours during Ramadan

On the occasion of the Holy Month of Ramadan, Gulf Bank wishes you and your family its warmest greetings.

Gulf Bank’s Ramadan working hours will be as per the below:

Branch Network:

  1. All branches: 10:00 AM – 1:30 PM
  2. Airport branch:
  • 11:30 AM – 3:30 PM
  • 8:30 PM – 11:30 PM
  • 1:00 AM – 5:00 AM

Interactive Teller Machines (ITM):

  • 9:30 AM - 5:30 PM
  • 7:30 PM – 11:45 PM
  • 11:45 PM – 12:30 AM (non-financial transactions only)

Gulf Bank is at your service around the clock and is available on 1805805.

Ramadan Mubarak.

Who is it for?

  • Customers with a salary of KD 300 or more.



  • Automatic enrollment to the highest rewarding Cashback Program in Kuwait

  • Use your Visa Platinum Cashback credit cards across the World at any POS and online websites to receive Cash Rewards

  • Get up to 10% Cashback of your spends at grocery and supermarkets

  • Get up to 5% Cashback of your spends at all other outlets across the World and ecommerce websites

  • Instants discounts up to 25% at over 550 renowned restaurants & coffee shops in Kuwait

  • Earn Gulf Bank points on all transactions

  • To check out the dining list Click here

  • Instant discounts up to 30% at over 300 retail outlets in Kuwait across travel & entertainment, health & beauty and lifestyle segments

  • Earn Gulf Bank points on all transactions

  • To see the promotions list Click here


  • Use your Gulf Bank Credit Card for purchases at over 100 participating merchant outlets and pay back over 12 months at 0% interest with no processing fees

  • Instant approval without any documentation

  • For more details Click Here

  • To check out the participating merchant list Click here

  • Enjoy 6 complimentary access to 25 lounges across GCC countries and Key Destinations per calendar year (All additional visits and guest visits will be charged form your Credit Card at a fixed rate of USD 32 per visit)

  • To view list of participating airport lounge Click here

  • Complimentary Travel Insurance upon purchasing your air tickets’ value minimum of KD 75 using Visa Platinum Credit Card

  • Free insurance for Schengen visa

  • For more details Click here

  • Visa in partnership with DragonPass provides discounts to over 200+ restaurants globally made up of key locations in both MENA home markets and travel corridors

  • App ‘DragonPass Dine & Travel’ is available for Android and iOS

  • Up to 30% off on a global network of Airport meet and greet specialist service partners available at over 450 airports worldwide

  • For more information about Clearance through Customs, Immigrations, and Booking Click here

  • VISA Platinum Credit Card brings you the benefits of the VISA Luxury Hotel Collection. You will experience unsurpassed value at around 900 world-class hotels from boutique properties to world-renowned venues and resorts. You can expect the following benefits:

    • Best available rate guaranteed
    • Automatic room upgrade upon arrival, when available
    • Free in-room Internet, when available
    • Complimentary continental breakfast daily
    • 3pm check-out, when available
    • VIP guest status
  • For more details and bookings Click here

  • Get up to 12% off on 985,000+ hotels & vacation rentals worldwide when booking with the Visa through Agoda website. Click here

  • Get up to 20% discount and benefits on AVIS car rental when booking with a Visa Platinum Credit Card.

  • For more details and bookings Click here

  • This service insures you against theft or accidental damage within 90 days from the date of purchase and up to USD 5,000 per occurrence with a maximum of USD 20,000 per year

  • To inquire and to request a claim form, please contact

    • Warba Insurance Company K.S.C., WARBA Tower - Ahmad Al-Jaber St. Al-Abdulrazzak Sq. Safat, Kuwait City, Al Asimah 13103 Kuwait.
    • All customer claims can be submitted through:
    • For more information, visit
  • For VISA Platinum – Purchase Protection Terms & Conditions Click here

  • This service provides you with extended warranty on your new purchases for a period of 12 months in addition to the warranty period provided by the original manufacturer. It includes the repair or the replacement of your new purchases up to the coverage amount of USD 2,500 per occurrence with maximum of USD 20,000 per year

  • To inquire and to request a claim form, please contact

    • Warba Insurance Company K.S.C., WARBA Tower - Ahmad Al-Jaber St. Al-Abdulrazzak Sq. Safat, Kuwait City, Al Asimah 13103 Kuwait.
    • All customer claims can be submitted through:
    • For more information, visit
  • For VISA Platinum – Extended Warranty Terms & Conditions Click here

  • Gulf Bank 3D Secure is an added layer of security for online shopping that protects Credit Cardholders’ online purchases from fraudulent use of their Credit Card


  • Cash withdrawal is available for up to 100% of the Cardholder’s credit limit

  • Choice of VISA Signature Charge Card or Credit Card

  • EMV chip enabled for enhanced security, safety and convenience

  • Worldwide acceptance of the Credit Card at more than two million ATMs and 33 million point-of-sale terminals

  • Buy now & pay later: Enjoy a flexible and convenient way to pay with a minimum payment of 8.33% per month with no need to carry cash. The proposed Credit Card allows a convenient and flexible means for repayment

  • Gulf Bank Tap & Pay: Faster payments on service enabled POS terminals

Cashback Earning

Grocery and Supermarkets
Cash Spends Cashback
KD 0 to KD 100 2%
KD 101 to KD 300 5%
KD 301 and above 10%
Maximum Cashback amount – KD 30 per month
Other Spends
Cash Spends Cashback
KD 0 to KD 2,000 2%
KD 2,001 to KD 3,000 3%
KD 3,001 to KD 4,000 4%
KD 4,001 and above 5%
Maximum Cashback amount – KD 220 per month

* Minimum spend of KD100 monthly is required to qualify for Cashback

Cashback Redemption Channels

The Cashback can be redeemed through the following channels such as:

  1. Online Banking
  2. Mobile Banking
  • The Cashback amount is to be redeemed within a period of 2 years
  • The Cashback amount can be redeemed for KD 10 and its multipliers only
  • The Cashback amount will be credited in to your card within a period of 48 hours of processing the redemption

Cashback Criteria

  • Cashback amount is calculated for all POS and e-commerce transactions

  • Spend Qualifier: Minimum spend of KD 100 Monthly to qualify for cashback rewards

  • Cap on rewards: Maximum Cashback amount – KD 250 per month. KD 30 per month of grocery and KD 220 per month on other spends

  • The Cashback amount available for redemption will be reflected based on settled transactions only after each statement cycle

Terms and conditions

  • Valid until June 19, 2023

Contact Us

  • For Assistance Services and Reporting Lost & Stolen Cards, Please Call: Gulf Bank 24/7 Call Center:
    From Kuwait on 1 805805 or From Overseas on +965 2 2444383

  • For Reporting Fraudulent Transactions, Please Call:
    +965 22496292

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