Click here to open

1. What is E-PIN? (Electronic Personal Identification Number)
It is a secure and easy way for creating and resetting the card PIN quickly and effortlessly for your card. The service can be used to create/reset PIN for new and existing cards.

2. Is this E-PIN a secure service?
Yes. Customer will be authenticated using One Time Password (OTP) sent to registered mobile number, while you set/reset your card PIN. You will be notified with an error message; in case a wrong OTP is entered. You will be asked to re-enter the correct OTP.

3. What are all the channels I can use to create or reset my card PIN?
Click here to open

4. Why did I receive a One Time Password (OTP) on my phone when I selected proceed to card activation option?
The OTP will validate you are the same accountholder requesting for this service.

5. What should I do if the One Time Password (OTP) is not received or delayed?
You can try again to reset or to contact Dhofar Islamic Call Center on 24775777 for further support.

6. Can I get One Time Password (OTP) on an international number registered with the Bank?
Yes, if the international number is registered with the Bank.

7. How can I change my card PIN?
There is a PIN set/reset option where you can change your card PIN

8. What happens if I forget my card PIN? Do I need to issue a new card?
No. With the new service, you can reset your card PIN without having to issue a new card.

9. Are there any maximum attempts for resetting my card PIN?
No, you may reset your card PIN as many times you want.

10. Can I create / reset PIN for block/expired cards?
No. You will have to contact Dhofar Islamic Call Center for assistance.

11. What should I do if I entered wrong card PIN 3 times while attempting a transaction?
The card will temporarily hold for incorrect PIN tries. You can reset the PIN through channels or contact Call Center or you may visit nearest ATM to reset the PIN.

Annual Fee - Main Card

• MasterCard Platinum: Free
• MasterCard Platinum Al Rifaa: OMR 1
• MasterCard Standard: OMR 1
• Maal Debit Card: Free

Annual Fee - Additional Card

• MasterCard Platinum: Free
• MasterCard Platinum Al Rifaa: OMR 2
• MasterCard Standard: OMR 2
• Maal Debit Card: OMR 2

Card Replacement (Lost / Stolen): OMR 2 per card
OmanNet Mini Statement: 50 Bz per statement
OmanNet Customer Account Transfer: 50 Bz per transaction
OmanNet Account-to-Account Transfer (Sender): 200 Bz per transaction

Cash Withdrawal:

• Dhofar Islamic / Bank Dhofar ATM: Free
• Other Banks ATM in Oman: 100 Bz per transaction
• Other Banks ATM in GCC: 800 Bz per transaction
• Other International Bank ATM: OMR 2 per transaction

Balance Enquiry:

• Dhofar Islamic / BankDhofar ATM: Free
• Other Banks ATM in Oman: 50 Bz per transaction
• Other Banks ATM in GCC: 300 Bz per transaction
• Other International Bank ATM: Free

 Foreign Exchange Markup Fees: Up-to 3%

Your Dhofar Islamic Debit Card is designed with several layers of protection, but there are good user guidelines that you can follow to ensure you stay secure while enjoying all of your card’s many benefits.

• Do not keep your PIN number together with your card.
• Do not write your PIN number on the card, or disclose it to anyone for any reason.
• Do not leave your card, wallet or bag unattended.
• Retain copies of all sales, ATM and withdrawal slips for statement verification.
• Ensure your card is returned after every use, and check that the card returned is yours.
• Update Dhofar Islamic immediately of any change in mailing / delivery address or phone number.