Your NBK - Zain Credit Card Features at a Glance:

• Global acceptance
  With the NBK - Zain VISA Credit Card you have instant access to more than one million ATMs in over 170 countries and more than 24 million acceptance locations worldwide.
  
• Free SMS on routine co-branded card spending
  - For every KD1 spent using NBK - Zain Credit Card you will receive 2 free local SMS's.
  - For every KD1 spent on Zain bill you get 3 free local SMS's.
  
• Get 100 free local SMS's for the 1st month as the sign up bonus
  - New cardholders will get a sign up bonus of 100 FREE SMS from NBK for the first month.
  - From the second month onwards your FREE SMS's will depend upon your
    NBK - Zain Credit Card usage.
  
• Credit card is free for the first year
  As you know this is a credit card packed with features and benefits. To help give you a first hand experience of this unique card, NBK has waived the first year annual fee. The normal Annual Membership Fee of KD 30 will be charged from the second year onwards.
  
• International calling & roaming facilities without deposit
  When you own the NBK - Zain Credit Card you don't need to place a deposit with Zain to get international calling and roaming facilities, it will be given to you as soon as you acquire your card.
  
•  Automatic payment of Zain bills every month
  Your Zain mobile bill will be paid directly through your NBK - Zain Credit Card. So forget about queuing up and missing payments, instead stay connected, always.
  
• NBK's Watani Rewards program with up to 50% discount on over 100 leading brands
  Watani Rewards is an exclusive NBK credit card rewards program developed in collaboration with many of the leading hotels, restaurants and retail establishments in Kuwait. As an NBK - Zain Credit Card holder you can enjoy the following:
  
  - Earn points worth up to 50% of your purchases at our Watani Rewards participating
    outlets.
  - Redeem your points for rewards vouchers, which can be used at any of the participating
    outlets (minimum purchase of KD 10)*.
  
• Automatic entry into the NBK Credit Card Raffle
  NBK organizes special raffles in which cardholders can win numerous prizes ranging from expensive cars to exclusive jewelry. As the proud owner of NBK – Zain  Credit Card, you will automatically be eligible to enter into the scheduled campaign prize draws.
  
• Free travel insurance
  NBK offers free travel insurance whenever you use your NBK - Zain Credit Card to purchase airline tickets. In addition, This comprehensive travel insurance package provides you all of the following:
  
  - Flight delay or cancellation
  - Baggage delay or loss
  - Emergency medical services
  - Provide a certificate of insurance on request by card member to be attached by
    customer with Schengen visa application form
  - Accidental death and body repatriation
  - All the cover values are equivalent to the Classic Card
  
• Flexible payment options
  Easy installments – you can pay as low as 8.33% of your card's outstanding balance per month.
  
• 24/7 customer service through "Hala Watani"
  -  "Hala Watani" on 801801 provides you with all your banking needs over the telephone
      24 hours a day, 7 days a week from anywhere in the world.
  - Customers outside of Kuwait can call "Hala Watani" on the following number:
    +965 2248361
  
•  Access NBK - Zain Credit Card from anywhere in the world through "Watani Online"
  "Watani Online" (WOL) offers you a safe, secure and convenient online banking experience.
  
  - View and pay your NBK - Zain Credit Card bills
  - View the monthly FREE SMS's accumulated on your NBK - Zain Credit Card
  - Transfer funds from your NBK - Zain Credit Card to your account instantly
  - Apply for Internet Shopping Card and other NBK services online
  
• Peace of mind guaranteed
  - The NBK - Zain Credit Card gives you complete peace of mind with the 24-hour Customer
    Helpline – "Hala Watani" - 801801 and the 24-hour VISA International Global Customer
    Assistance Services "GCAS" available across the world in case of any emergency.
  - If your card is lost or stolen during travel outside Kuwait, VISA "GCAS" provides you
    with emergency assistance.

List of important telephone numbers
Emergency services for your NBK - Zain Credit Card:

If your NBK - Zain Credit Card is lost/stolen overseas, simply call any of following Toll Free numbers.

We will quickly organize an emergency replacement card and if required, emergency cash.
You can also call "Hala Watani" @ +965 2248361 (from overseas).