Elevate every journey

The Platinum Credit Card is a Mastercard credit card offering outstanding service, higher limits and a prestigious range of travel, dining, shopping and lifestyle rewards, together with CB Rewards on your everyday spending.

The annual fee is QAR 750, and it is free in the first year.

Spend a minimum of QAR 50,000 on daily purchases with your card during the first year to qualify for a waiver of the second-year annual fee of QAR 750. 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.

You are eligible for 7,500 CB Reward Points, worth QAR 750, when your retail spend reaches QAR 7,500 within 90 days of card activation. Buy Now Pay Later transactions, cash advances and fees are excluded. Joining bonus points are valid for 90 days from the date of credit and are awarded only once per customer.

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

Yes. You can enjoy complimentary access to over 25 regional and international airport lounges, up to 6 times a year, when you make a minimum international spend of USD 1 every 3 months. You also get 1 complimentary lounge visit each year without the minimum spend requirement.

Download the Mastercard Travel Pass app, register your Platinum Credit Card and show the QR code from the app at the lounge.

Travel Insurance Protection covers you in the case of:

• Travel accident (common carrier): up to USD 25,000.
• Emergency medical expenses (injury or sickness): up to USD 50,000.
• Emergency medical evacuation: up to USD 50,000.
• Repatriation of mortal remains: up to USD 5,000.

Coverage applies to the cardholder, spouse, children, parents and domestic helper, whether travelling together or separately. Sub-limits apply for children, parents and domestic helpers.

Yes. You must pay for your travel using your eligible Mastercard credit card, or with reward points linked to the card.

Claims must be submitted within 90 days of the incident, through www.mcpeaceofmind.com or by email to mea.mastercard@aig.com.

Required documents include:

• Proof of travel purchase with the eligible card.
• Medical or incident reports, where applicable.
• Passport copy with entry and exit stamps.

The insurance is provided through a Mastercard supplier. Mastercard does not underwrite or administer the insurance and does not handle claims; AIG is the insurer. Assistance services are available in English and include medical, legal and travel support.

Coverage is subject to the terms, conditions and exclusions of the full policy, and excludes pre-existing conditions, certain high-risk activities and travel to sanctioned regions.

Download the Trip.com app from the App Store or Google Play. For cardholders in Qatar, the country and currency are set automatically. Tap “Claim” on promo code MCTRIP10, then book your flight or hotel and select the code from “My Promo Codes”. Your discount is confirmed at checkout.

The offer applies to the base fare of round-trip flights, excluding taxes and booking fees, and is available on the Trip.com app only. A minimum booking value applies, the offer cannot be combined with other promotions, and limits apply to the number of uses and the discount amount.

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 gives you access to Priceless™ Cities experiences, Mastercard offers at IHG Hotels & Resorts and on Booking.com, and the Mastercard Medical Tourism Concierge.

Purchase Protection covers items bought with your Platinum Credit Card against theft or accidental damage for up to 180 days. Cover is up to USD 2,000 per claim, with a maximum of USD 5,000 over a 12-month period.

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.

TicketPro gives Mastercard cardholders early bookings on selected events in South Africa and up to 20% off selected local and international events.

• Visit www.ticketpro.co.za and go to the “Mastercard Exclusive Offers” section.
• Choose “Unlock early access with your Mastercard” and click Book Now.
• Select your tickets and seats, sign in or create an account, and choose E-Ticket as the delivery method.
• Pay with your Mastercard; the discount is applied before payment.

Discounts and priority bookings are offered on a case-by-case basis and are subject to TicketPro terms.

Platinum cardholders enjoy Mastercard lifestyle offers including Talabat food and grocery delivery discounts, Carrefour online shopping discounts, Farfetch.com online shopping discounts, MyUS premium shipping membership, MyBook Qatar Buy 1 Get 1 offers, Lingokids discounts, Fiit subscription offers 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.

You earn 1 CB Reward Point for every QAR 20 spent on retail purchases with your card. There is no cap on the points you can earn.

Points are not earned on Dynamic Currency Conversion (DCC) transactions, government, charity and insurance merchant categories, or card-present transactions in the European Union.

CB Reward Points are valid for 24 months from the date they are credited. You can redeem them for Avios, flights and hotel stays, car rental and shopping vouchers at cbqrewards.com.

In the CBQ Mobile app, open your rewards credit card, tap “CB Rewards” and select the option to view your points balance.

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.

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.