Qatar Airways Privilege Club Credit Card by Doha Bank

T&Cs – BONUS Avios EXCLUSIVE & INTRODUCTORY OFFER

Following are the terms and conditions for the Bonus Avios launch offer:

1. Definitions
   
   For the purposes of these Terms and Conditions, the following terms shall have the meanings assigned to them below, unless the context requires otherwise:
   
   • 1.1 “Bank” means Doha Bank Q.P.S.C., a Qatari public shareholding company duly licensed and regulated by the Qatar Central Bank.
   • 1.2 “Customer” means any natural person who applies for and is approved for the issuance of a Credit Card under this Campaign.
   • 1.3 “Credit Card” means the Qatar Airways Privilege Club Co Branded Credit Card (Visa Infinite or Visa Signature) issued by the Bank in accordance with its applicable terms and conditions.
   • 1.4 “Campaign” means the promotional offer launched by the Bank and valid until 19th July 2026, unless extended, amended, or terminated earlier at the Bank’s discretion.
   • 1.5 “Avios” means the reward points credited to the Customer under the Qatar Airways Privilege Club program.
   • 1.6 “Privilege Club” means the frequent flyer loyalty program operated by Qatar Airways.
2. Campaign Eligibility
   
   • 2.1 This Campaign shall be available exclusively to the following categories of Customers:
     
     • (a) customers who transfer their salary to the Bank (“Salary Transfer Customers”); or
     • (b) customers who establish a new deposit relationship with the Bank (“Deposit Customers”) and apply for a primary Credit Card.
   • 2.2 Eligibility for participation in the Campaign shall be restricted to new-to-bank customers and/or customers who do not currently hold a credit card with the Bank, as determined by the Bank in its sole and absolute discretion.
   • 2.3 Customers who have cancelled any credit card issued by the Bank within the twelve (12) months preceding the application date shall not be eligible for the Campaign.
   • 2.4 All applications shall be subject to:
     
     • (a) the regulations, instructions and guidelines issued by the Qatar Central Bank (QCB);
     • (b) the Bank’s internal credit approval and risk management policies; and
     • (c) successful completion of all Know Your Customer (KYC), Anti Money Laundering (AML) and Counter Terrorism Financing (CFT) requirements.
   • 2.5 The Bank reserves the right, at its sole discretion, to accept or reject any application without assigning any reason.
3. General Conditions of Participation
   
   • 3.1 By submitting an application for the Credit Card and/or participating in the Campaign, the Customer shall be deemed to have read, understood and irrevocably agreed to be bound by these Terms and Conditions.
   • 3.2 Participation in the Campaign shall not, under any circumstances, be construed as a guarantee of approval for the issuance of a Credit Card or any related banking facility.
   • 3.3 This Campaign shall be read in conjunction with the Bank’s Credit Card Terms and Conditions, Schedule of Charges, and any applicable regulatory disclosures.
4. Salary Transfer Conditions
   
   • 4.1 In respect of Salary Transfer Customers:
     
     • (a) the Customer shall ensure that his/her salary is credited to his/her account with the Bank on a regular monthly basis for a continuous period of not less than twelve (12) months from the date of Credit Card issuance;
     • (b) the Customer shall not reduce or permit the reduction of the salary amount during the aforementioned period without the Bank’s prior written consent.
   • 4.2 Any failure to comply with the provisions of this Clause shall constitute a material breach of these Terms and Conditions and shall entitle the Bank to exercise its rights under Clause 12.
5. Deposit Conditions
   
   • 5.1 Deposit Customers shall place and maintain the following minimum amounts as a lien-marked deposit in favour of the Bank:
     
     • – Visa Infinite: QR 80,000
     • – Visa Signature: QR 20,000
   • 5.2 Such deposit shall:
     
     • (a) be held in an Al Dana Savings Account or such other account as determined by the Bank;
     • (b) remain under lien as continuing security for the Customer’s obligations under the Credit Card; and
     • (c) not be withdrawn, released, or otherwise encumbered without the prior written consent of the Bank.
   • 5.3 The Bank shall have the right to appropriate such deposit in accordance with applicable laws and the Bank’s terms and conditions.
6. Card Usage and Maintenance Obligations
   
   • 6.1 The Customer undertakes to:
     
     • (a) pay all outstanding amounts on or before the due dates;
     • (b) not default on more than one (1) minimum payment during any consecutive twelve (12) month period;
     • (c) maintain the Credit Card account in good standing at all times.
   • 6.2 The Customer shall not cancel, terminate or request closure of the Credit Card within twelve (12) months from the date of issuance.
7. Welcome Bonus Avios
   
   • 7.1 The Customer shall be eligible to receive Welcome Bonus Avios subject to:
     
     • (a) successful issuance of the Credit Card;
     • (b) completion of the first eligible purchase transaction; and
     • (c) successful enrolment in the Qatar Airways Privilege Club program.
   • 7.2 The Welcome Bonus Avios shall be credited within ninety (90) days from the date of the first eligible transaction, subject to compliance with these Terms and Conditions.
8. Spend Bonus Avios
   
   • 8.1 The Customer shall be eligible for Spend Bonus Avios upon achieving the following minimum spend thresholds within the first three (3) months from the date of Credit Card issuance:
     
     • – Visa Infinite: QR 50,000
     • – Visa Signature: QR 25,000
   • 8.2 For the purposes of calculating eligible spend:
     
     • (a) only retail purchase transactions shall be considered;
     • (b) cash advances, fees, finance charges, reversals, refunds, and disputed transactions shall be excluded.

   Welcome Bonus and Spend Bonus will be applicable for new salary transfer/new deposit customers as per the terms and conditions outlined in the Undertaking forms for each credit card type, i.e. Visa Infinite or Visa signature.

9. Fees and Charges
   
   • 9.1 Without prejudice to any other rights available to the Bank, the Bank reserves the right to charge the following amounts in the event of non-fulfilment of Campaign conditions:
     
     • – QR 2,000 for Visa Infinite Credit Card;
     • – QR 1,000 for Visa Signature Credit Card.
   • 9.2 All fees, charges and commissions applicable to the Credit Card shall be governed by the Bank’s Schedule of Charges, as amended from time to time.
10. Avios Conditions
    
    • 10.1 Avios awarded under this Campaign:
      
      • (a) are non-transferable;
      • (b) are not redeemable for cash or any monetary equivalent; and
      • (c) shall be governed exclusively by the terms and conditions of the Qatar Airways Privilege Club program.
    • 10.2 The Bank shall not be responsible or liable for any matters relating to:
      
      • (a) redemption, expiry or forfeiture of Avios; or
      • (b) any disputes arising between the Customer and Qatar Airways.
11. Exclusivity of Offer
    
    Customers participating in this Campaign shall not be entitled to benefit from any other credit card promotion or offer provided by the Bank during the Campaign period, unless expressly stated otherwise.
12. Fraud, Misrepresentation and Claw back
    
    • 12.1 The Bank reserves the right, at its sole discretion, to:
      
      • (a) disqualify any Customer from the Campaign;
      • (b) reverse or debit the value of any Avios credited; and/or
      • (c) recover the monetary equivalent of such benefits,

      in the event of:

      • – breach of these Terms and Conditions;
      • – fraudulent or suspicious activity;
      • – submission of false, inaccurate, or misleading information.
13. Regulatory Compliance
    
    • 13.1 The Bank shall carry out all due diligence and verification procedures in accordance with:
      
      • – applicable QCB laws, instructions and regulations;
      • – AML/CFT legislation of the State of Qatar.
    • 13.2 The Customer acknowledges and agrees that:
      
      • (a) all banking facilities are subject to regulatory requirements and approvals; and
      • (b) the Bank retains full discretion, within the limits of applicable law, to grant, withhold or withdraw any benefits under this Campaign.
14. Security and Release of Funds
    
    • 14.1 Any collateral, including but not limited to deposits or salary assignment, shall remain under lien in favour of the Bank until:
      
      • (a) full and final settlement of all outstanding amounts under the Credit Card; and
      • (b) expiry of forty-five (45) working days from the date of cancellation or closure of the Credit Card.
15. Annual Fee Waiver
    
    The annual fee applicable to the Credit Card may be waived subject to achieving the following annual spend thresholds:
    • – Visa Infinite: QR 120,000
    • – Visa Signature: QR 60,000

    For full details on Annual Fees & Charges, kindly refer to Doha Bank Website:
    Charges for Personal Customers – Doha Bank Qatar

16. Variation and Termination
    
    • 16.1 The Bank reserves the right, in accordance with applicable laws and QCB regulations, to:
      
      • (a) amend, modify or vary these Terms and Conditions;
      • (b) suspend, withdraw or terminate the Campaign;
      • (c) revise eligibility criteria at any time.
    • 16.2 Any material changes shall be communicated to Customers through appropriate channels.
17. Governing Law and Jurisdiction
    
    These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Qatar.
    
    Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts of the State of Qatar.
18. Acceptance
    
    By signing the Credit Card application form and/or activating or using the Credit Card, the Customer:
    
    • (a) confirms acceptance of these Terms and Conditions;
    • (b) consents to the collection, processing and sharing of personal data in accordance with applicable laws, regulatory requirements and the Bank’s policies.

Renewal and Segmentation, Notwithstanding the issuance of Credit Cards under this campaign, all such cards shall, upon renewal, replacement, or reissuance, remain subject to the Bank’s prevailing standard segmentation criteria. Such criteria shall include, without limitation, the cardholder’s spending behavior and compliance with applicable minimum spend thresholds and/or deposit requirement conditions, as may be determined by the Bank from time to time.

General terms and conditions - PRIVILEGE CLUB VISA INFINITE CREDIT CARD

QPOINTS

• The renewal or upgrading of your Privilege Club tier, due to earning Qpoints through spending with your Qatar Airways Privilege Club Credit Card by Doha Bank, is subject to the Privilege Club Terms and Conditions.
• You will earn 1 Qpoint for 420 Avios earned on spends with your credit card with a maximum of 300 Qpoints annually from the date of successful enrollment of the customer with Doha Bank and Qatar Airways. Enrollment occurs once customer details on the Qatar Airways Privilege Club Card Profile matches with the customers Doha Bank Profile (i.e. Name, date of birth, privilege card number). As a co-brand credit card customer, you will earn both Avios and Qpoints on purchase transactions on your credit card. After each year you will be able to earn an additional 300 Qpoints during the upcoming year.
• After one year, you will be able to earn an additional 300 Qpoints during the upcoming year.
• Three weeks after the 5^th of each month, customers will get Qpoints based on their monthly statement.
• Customers earn 1 QPoint for 420 Avios earned on spends with PRIVILEGE CLUB VISA INFINITE CREDIT CARD.

*Bonus Avios earned from campaigns will not count towards Qpoints accrual for spends on the card.

Fast-track tier upgrade

• Visa Infinite cardholders will be eligible for one fast-track to only Gold tier, after spending QR 14,000 using Qatar Airways Privilege Club Visa Infinite by Doha Bank on qatarairways.com or the Qatar Airways mobile app, for booking the flight tickets only, in the first calendar year from card issuance date.
• Spends that will contribute to an upgrade to the Gold tier, will only be calculated after the main member completes the flight & the total of all the tickets purchased within first year of the card issuance should be QR 14,000+ (main card member should be part of all the PNR’s).
• Tier upgrade is awarded only after all the above T&C are satisfied and main card member has completed the journey on all the PNR’s.
• Fast track tier is only calculated for tickets purchased on qatarairways.com or the Qatar Airways mobile app, Qpoints and Avios purchase from Qatar airways website would not be considered.

Spend Bonus

• Visa infinite cardholders who spend QR 50,000 on retail and e-commerce within the first three months of their card issuance date, will be eligible to receive 40,000 bonus Avios.This would be credited 60 days after the spend requirements are met.

First Flight Bonus

• 5,000 bonus Avios for flying in Business or First Class, and 3,000 bonus Avios for flying in Economy Class, will be credited to the main card member’s Privilege Club account after main card member completes first flight with Qatar Airways on bookings done using the Qatar Airways Privilege Club Credit Card by Doha Bank.
• First flight bonus is only calculated for tickets purchased on qatarairways.com or the Qatar Airways mobile app, Qpoints and Avios purchase from Qatar airways website would not be considered.

Double Avios

• Double Avios will be rewarded for spends on qatarairways.com or the Qatar Airways mobile app for flight bookings only using the Qatar Airways Privilege Club Credit Card by Doha Bank with member being first in PNR.
• Double Avios is credited only after main card member’s has completed the journey on all the PNR’s.

Note: Avios earning cannot be transferred to add on/Supplementary card holders (privilege card number). All earnings are awarded to primary card holder only.

General terms and conditions - PRIVILEGE CLUB VISA SIGNATURE CREDIT CARD

QPOINTS

• The renewal or upgrading of your Privilege Club tier, due to earning Qpoints through spending with your Qatar Airways Privilege Club Credit Card by Doha Bank, is subject to the Privilege Club Terms and Conditions.
• You will earn 1 Qpoint for 420 Avios earned on spends with your credit card with a maximum of 300 Qpoints annually from the date of successful enrollment of the customer with Doha Bank and Qatar Airways. Enrollment occurs once customer details on the Qatar Airways Privilege Club Card Profile matches with the customers Doha Bank Profile (i.e. Name, date of birth, privilege card number). As a co-brand credit card customer, you will earn both Avios and Qpoints on purchase transactions on your credit card. After each year you will be able to earn an additional 300 Qpoints during the upcoming year.
• After one year, you will be able to earn an additional 300 Qpoints during the upcoming year.
• Three weeks after the 5^th of each month, customers will get Qpoints based on their monthly statement.
• Customers earn 1 Qpoint for 420 Avios earned on spends with PRIVILEGE CLUB VISA SIGNATURE CREDIT CARD.

*Bonus Avios earned from campaigns will not count towards Qpoints accrual for spends on the card.

Fast-track tier upgrade

• Visa Signature cardholders will be eligible for one fast-track to only Silver tier, after spending QR 7,000 using Qatar Airways Privilege Club Visa Signature by Doha Bank on qatarairways.com or the Qatar Airways mobile app, in the first calendar year from card issuance date.
• Spends that will contribute to an upgrade to the Silver tier, will only be calculated after the main member completes the flight & the total of all the tickets purchased within first year of the card issuance should be QR 7,000+ (main card member should be part of all the PNR’s).
• Tier upgrade is awarded only after all the above T&C are satisfied and main card member has completed the journey on all the PNR’s.
• Fast track tier is only calculated for tickets purchased on qatarairways.com or the Qatar Airways mobile app, Qpoints and Avios purchase from Qatar airways website would not be considered.

Spend Bonus

• Visa Signature cardholders who spend QR 25,000 on retail and e-commerce within the first three months of their card issuance date, will be eligible to receive 20,000 bonus Avios. This would be credited 60 days after the spend requirements are met.

First Flight Bonus

• 5,000 bonus Avios for flying in Business or First Class, and 3,000 bonus Avios for flying in Economy Class, will be credited to the main card member’s Privilege Club account after main card member completes first flight with Qatar Airways on bookings done using the Qatar Airways Privilege Club Credit Card by Doha Bank.
• First flight bonus is only calculated for tickets purchased on qatarairways.com or the Qatar Airways mobile app, Qpoints and Avios purchase from Qatar airways website would not be considered.

Double Avios

• Double Avios will be rewarded for spends on qatarairways.com or the Qatar Airways mobile app for flight bookings only using the Qatar Airways Privilege Club Credit Card by Doha Bank with member being first in PNR.
• Double Avios is credited only after main card member’s has completed the journey on all the PNR’s.

Note: Avios earning cannot be transferred to add on/Supplementary card holders (privilege card number). All earnings are awarded to primary card holder only.

Frequently Asked Questions (FAQs)

About Your Doha Bank Qatar Airways Privilege Club Visa Infinite Credit Card Update

For more information on Qpoints please refer to the following link Terms & conditions | Qatar Airways

Frequently Asked Questions (FAQs)

About Your Doha Bank Qatar Airways Privilege Club Visa Signature Credit Card Update

For more information on Qpoints please refer to the following link Terms & conditions | Qatar Airways