The Commercial Bank of Qatar (P.S.Q.C.) ).‫ق‬.‫ع‬.‫م‬.

‫البنك التجاري القطري (ش‬

PO Box 3232, Doha, State of Qatar ‫ قطر‬،‫ الدوحة‬،٣٢٣٢ ‫ب‬.‫ص‬
Tel: +974 4449 0000 +٩٧٤ ٤٤٤٩ ٠٠٠٠ :‫هاتف‬
www.cbq.qa

Dear Customer,

Important information about your Titanium Credit Card:

Travel and lifestyle benefits

Unlimited complimentary access for you to over 25 regional and international
DragonPass lounges across UAE, Saudi Arabia, Qatar, Jordan, Kuwait, Egypt,
Morocco, USA, UK, Canada, Germany, France, Singapore, and more.

In addition to this, you will get access to business facilities for email, internet,
phones, fax machines and conference space in some lounges, as well as
complimentary refreshments and snacks.

To get your complimentary airport lounge access with Mastercard Travel Pass
App, simply follow the below steps:
1. Download the Mastercard Travel Pass app.
2. Register your Mastercard securely.
3. Use the app to locate lounges near you.
4. Confirm the eligibility of your complimentary visits.
5. Present the app’s QR code to the lounge receptionist.
6. Enjoy your lounge access.

For more details about the lounges, please click here:

https://en.dragonpass.com.cn/airports

Rewards benefits
Joining Bonus CB Reward Points:
• As a MasterCard Titanium Credit Cardholder, you will be intitled of
Joining Bonus Reward Points if your retail spend (excluding Buy Now
Pay Later, Cash Advance transactions & any fees/charges) reaches QAR
5,000 within 90 days of card activation.
• The Joining Bonus reward points have a validity period of 90 days from
the date of credit.
• Joining bonus reward points are given only once (i.e., if you cancel
your card and reapply, you will not be eligible for joining reward bonus
points).

CB Reward Points:
• Each time you use your Credit Cards you earn points. You can redeem
these points for Travel, Shopping, Transfer to Avios and Charity.
• For every retail purchase of QAR 20 on your Visa or MasterCard you will
earn 1 CB Reward Point.
• For every retail purchase of QAR 15 on your Diners Club Credit Card you
will earn 1 CB Reward Point.
• CB Reward Points have a validity of 24 months from the date of credit.
• For more information, please visit www.cbq.qa/en/cc.
Card features
Buy Now Pay Later (BNPL): Easy Pay:
is a feature that allows you to convert Allows you to convert any retail
your retail purchase of over QAR 500 transaction over QAR 500 into 3,
to 3, 6, 12 or 24 months easy payment 6, or 12 months installment plan
plan. Ask for “Buy Now Pay Later” at before the statement is generated.
any of these participating partners By using this feature, you can convert
and you will be able to pay in easy a transaction that was done at a
monthly instalments at 0% interest non-participating merchant location
with your Commercial Bank Credit or overseas. All you have to do is
Card. For the full list of merchant login to Commercial Bank Internet
partners participating in our Buy Now Banking or Mobile Banking and select
Pay Later at 0% interest, please visit “Convert to Installments” option
our website https://www.cbq.qa/
en/personal/offers/pages/flexible-
and-easy-repayment-at-0-interest-
with-buy-now-pay-later.aspx.

Quick Cash: Call for Cash:

Commercial Bank can instantly transfer This is a facility whereby you can
cash into your personal account if request cash from the available
needed. This is a facility whereby you balance on your credit card with an
can request up to 80% of the available interest charge/fee of 1% per month
balance on your Credit Card which from the date of transaction and
can be transferred to your personal 0.65% credit shield insurance fee. To
account. Repayment can be made request this facility, call 4449 0000.
in monthly installments with a low
interest rate of 0.50% per month,
interest will be charged from the
date of transaction and additionally
a 0.65% credit shield insurance fee
will also be applicable. To request
this facility, Log into CBQ Mobile
app and choose “Quick Cash” under
“Payments”.

Repayment Options Tap & Pay Feature

• By default, your minimum Commercial Bank Credit Card
payment is set to 3% of your total comes with the Tap n Pay feature. A
outstanding. single transaction value up to QAR
• You can set any percentage from 300 does not require a PIN. The
3% to 100%. cumulative value of the transactions
without PIN is QAR 1,500 per day.

Digitization of your Card Credit Card Statements

Your card can be digitized for CBPay • The Credit Card statement is
(on Android devices) and Apply Pay generated every month and will be
using our CBQ Mobile App. emailed to your registered email
address with Commercial Bank.
• Kindly note the payment due date is
stated on the Credit card statement
sent to your email address.
Card offer
Novo Cinema:
Elevate your Novo Cinemas experience with an additional ticket on the house,
making your time with us truly memorable.

Avail the offer on Novo Cinemas’s official website: qa.novocinemas.com or through

the Novo Mobile App, to download the App, please click here*.

This offer is valid from 25 March 2024 until 31 December 2024.

Terms and conditions apply.

Card fees and features

Annual Fee
• First Year - No Annual/Joining Fee.
• Subsequent Years - QAR 600 will be automatically levied on the anniversary of your
credit card.
• Annual Fee Waiver - Annual fee will be automatically waived off if you frequently
use your card during the year and your retail spend on the card is greater than QAR
30,000. Transaction types Buy Now Pay Later, Cash Advance Transactions & Fees
and Charges are excluded from the spend calculation.

Interest and Fees

• Credit Card Interest is 1% per month levied on the outstanding balance.
• Credit Shield Insurance is an insurance which covers purchase protection, extended
warranty, accidental death, critical illness, and loss of employment. The fee is 0.65%
on the statement closing balance.
• Late payment fee charge is 0.25% of your outstanding balance or QAR 100,
whichever is higher.

Cash Advance Fee & Interest

• A cash advance fee of 4.5% is applicable on your cash withdrawals.
• Cash advances availed using CBQ Mobile App and Retail Internet banking (RIB) are
subject to a fee of 3.5% and a cash advance interest fee will be applicable from the
date of withdrawal.
• Cash advance interest charge/fee of 1% per month from the date of transaction
and 0.65% credit shield insurance fee is will also be applicable from the date of
withdrawal.

For more information please visit www.cbq.qa/en/cc.

Should you have any further questions related to your credit card, please feel free to contact us.
Best Regards,
Commercial Bank