Reserved for the few

Limited Edition is an elite package containing a Limited Edition World Elite Credit Card and a Limited Edition Rewards Program, with World Elite Mastercard privileges across travel, lifestyle and protection.

The Limited Edition World Elite Credit Card is offered by invitation only. Please contact your Relationship Manager on 4449 5666 or 4449 0133 for more information.

The card is free in the first year, and the annual fee is QAR 1,000 on renewal. The card is free for life for Private Banking members.

Spend a minimum of QAR 500,000 using your card during the first year to qualify for a waiver of the second-year annual fee. Buy Now Pay Later transactions, cash advances, reversed or refunded transactions, and any fees or charges are excluded.

The annual fee is charged to your account when the card is activated, regardless of the time elapsed since the card was issued. The annual fee is non-refundable.

Please refer to the Tariff of Charges for all fees and charges.

Yes. You enjoy unlimited complimentary airport lounge access for you and one accompanying guest per visit when you spend a minimum of USD 1 internationally every 3 months. You also receive 2 complimentary lounge visits each year without the minimum spend requirement.

The programme gives access to more than 1,300 lounges in more than 600 cities across 140+ countries and territories.

Download the Mastercard Travel Pass app, register your card and present the QR code from the app to the lounge receptionist.

Airport Security Fast Track services are available at participating airports through the Mastercard Travel Pass app, subject to availability and Mastercard terms.

Your travel cover includes medical emergency expenses up to USD 500,000, emergency medical evacuation and repatriation up to USD 500,000, personal accident cover up to USD 500,000 and a daily in-hospital cash benefit of USD 100, subject to the policy terms, conditions and exclusions.

Go to the Mastercard Heathrow Express page at www.heathrowexpress.com/mastercard, register or sign in, select your destination and pay with your eligible Mastercard using promo code MCARD26.

The discount applies to Express Class and Business First tickets on Heathrow Express routes between London Paddington and Heathrow Airport, in both directions. It cannot be combined with other discounts or promotions. Children aged 15 and under travel free with a fare-paying adult. Heathrow Express terms apply.

Your card also includes GHA Discovery membership, Mastercard offers at IHG Hotels & Resorts and on Booking.com, Priceless™ Cities experiences, a Global Data Roaming Package and the Mastercard Medical Tourism Concierge.

The Mastercard Travel & Lifestyle Concierge offers personal assistance with travel, dining and lifestyle requests, subject to Mastercard terms and availability.

The Mastercard Golf Program gives World Elite cardholders golf privileges at selected courses, subject to Mastercard terms and availability.

As a World Elite cardholder you can access Global Blue VIP services when reclaiming VAT on eligible shopping abroad.

Mastercard cardholders can enjoy special offers at The Bicester Collection’s Villages in the UK, Italy, Germany, Ireland, Spain, France and Belgium. These can include:

• 15% off shopping packages with code COSMCARD813.
• 10% off the VIP Pass, giving entry to exclusive experiences.
• Access to TheApartment, a VIP area to relax during your visit, with code COSMCARD.
• Hands-free shopping, reserved parking and frequent flyer rewards.

Benefits vary by card tier.

Limited Edition cardholders enjoy Mastercard lifestyle offers including Farfetch.com online shopping discounts, Talabat food and grocery delivery discounts, Carrefour online grocery delivery discounts, MyUS premium shipping membership, Fiit fitness app membership discounts, MyBook Qatar offers on dining, beauty, fitness and leisure, Lingokids discounts and Buy One Get One tickets at NOVO Cinemas.

You can find the latest Mastercard and Commercial Bank card offers on our card offers page. Offers are subject to the terms and conditions of each partner.

In addition to travel medical insurance, your card includes travel inconvenience insurance (for situations such as flight delays and luggage loss), a collision damage waiver for rental cars, and a travel insurance confirmation letter. All cover is subject to the policy terms, conditions and exclusions.

Please contact your Relationship Manager on 4449 5666 or 4449 0133, who will help you obtain a confirmation of your travel insurance cover.

You earn 1 Limited Edition point for every QAR 70 spent on retail purchases, rounded down. Transactions at government merchants earn 1 point for every QAR 140. There is no limit to the points you can earn.

Joining bonus points are awarded on eligible retail POS and e-commerce transactions. Government merchants, Dynamic Currency Conversion, charities, insurance and all European Union card-present transactions are excluded.

Points can be redeemed for luxury gifts and experiences. Please contact your Relationship Manager on 4449 5666 or 4449 0133 to redeem.

You can activate your card through the Bank’s digital channels: Mobile Banking, Internet Banking, ATM, SMS or phone. If your card is still pending documentation or salary credit, please complete these requirements first and then activate it digitally.

The annual fee is charged to your account when the card is activated.

Your card is renewed automatically two months before it expires, provided your account is in good standing. You will be notified to collect your renewed card or to print it at a self-service card printing kiosk.

Your outstanding balance is the total usage on your card, including service fees. You can check it in Mobile or Internet Banking, by calling the Contact Centre, or on the statement generated at the end of each billing cycle.

Confirm that every transaction was made by you or your supplementary cardholders, check the payment due date and minimum amount due, and check whether any amount from the previous month is overdue.

Refunds and reversals appear on your credit card statement. You can view them in Mobile or Internet Banking, or on the statement issued at the end of the billing cycle.

Cardholders cannot reverse a transaction themselves; please contact the merchant. If a transaction fails because of a technical issue, the Bank automatically reverses it to your card account.

Please contact the Contact Centre to request a refund. A refund is possible only when your balance exceeds your credit limit.

You can update your billing or statement address at any branch.

Holds placed for hotel bookings are released after 14 days.

Any purchase over QAR 500 made with your Commercial Bank credit card can be converted into 3, 6 or 12 monthly instalments.

There are two options:

• Buy Now Pay Later (BNPL): split your purchase into 3, 6 or 12 monthly payments at participating partner merchants. See partner merchants
• Easy Pay: convert a transaction into 3, 6 or 12 monthly payments through Mobile or Internet Banking. The transaction must be over QAR 500 and converted before your statement is generated.

Call the Contact Centre on 4449 0000. The remaining instalments will be debited to your current statement and will be due on your payment due date, based on the payment percentage you have selected.

Call for Credit lets you request up to 95% of your card’s available balance, transferred to your personal account. Call for Cash (Dial for Cash) lets you request cash from your card’s available balance. For applicable fees, please see the Tariff of Charges.

On the Limited Edition World Elite Credit Card, Call For Cash is available by invitation only.

Supplementary cards are available for your immediate family members. Submit a supplementary card application form together with the supplementary cardholder’s QID at any branch.

Use the “Manage Limit” option in Mobile or Internet Banking to change a supplementary card limit. To reduce the main card’s limit, please contact our Contact Centre on 4449 0000.

The Bank regularly offers limit increases to eligible customers and notifies them by SMS. You can also request an increase at a branch by providing your recent standard or salary letter.

A card can go over its limit for several reasons, including merchants submitting transactions late, transactions with old or missing authorisations, and fees and charges. An over-limit fee applies when the excess is more than 2% of your credit limit.

Credit Shield insurance covers involuntary loss of job, and also includes extended warranty and Purchase & Price Protection. A small premium is charged on your statement closing balance. See the Credit Shield terms and the Tariff of Charges for details.

All Credit Shield claims are processed centrally by the Collections Department.

Log in to Mobile or Internet Banking, select Credit Card Services and follow the on-screen steps to block your card permanently. You can then request a replacement card.

Block your card immediately in the CBQ Mobile App or Internet Banking, or call our fraud hotline on 4449 5095 and select option 2.

For security and regulatory reasons, some transactions are blocked to protect you against unauthorised or fraudulent use. To use your card overseas, activate a Travel Plan from the “Services” section of Mobile or Internet Banking.

Please make sure your mobile number is up to date with the Bank, and check that the online merchant participates in the 3D Secure platform.

Settle the full outstanding balance, including any instalment balance. If there are pending transactions that are not yet billed, closure can start only once they are billed. After full settlement, visit a branch or call the Contact Centre to request closure.

You can request a clearance letter through the Commercial Bank Mobile Banking app or Online Banking.