Overview of Tharwa

The Best of Alizz Islamic Bank, all in one place

If world-class personalised service is your priority, Tharwa is here to serve you. Our skilled and dedicated relationship managers, exclusive banking channels and specially designed products and solutions will ensure you get the quality and exclusivity you deserve.

With our team of highly experienced experts, and our partnerships with regional and international experts, we provide solutions for all wealth management requirements. Your Relationship Manager will be with you to guide you and provide you with in-depth information to help you on your wealth journey.

The Tharwa Lounge

Conduct your banking in the comfort and privacy of our exclusive Tharwa Lounges. Our lounges have been designed so that you can conduct your Banking transactions in an environment that guarantees comfort and confidentiality. Here you can enjoy watching the news over a cup of coffee and relax as if you were at home, while carrying out all of your banking needs. See our website for details on our locations, updated regularly as our network of lounges continues to grow.

Tharwa Relationship Managers

As a Tharwa Member you will have access to dedicated Tharwa Relationship Managers. The Tharwa Relationship team is available to meet customers at convenient locations whether inside or outside the bank's premises. Tharwa Relationship Managers will cater to all your banking requirements and provide you with advice on products and services that suit your banking needs. Tharwa Relationship Managers are available in all Alizz Islamic Bank Branches.


All Customers with a Salary of 3,000 OMR and above or a deposit of 30,000 OMR are eligible

Tharwa, Our priority is You

Tharwa members can enjoy access to an array of benefits to augment their lifestyle from travel and accommodation, dining, a wide variety of special offers and discounts, VIP access, special events, airport lounge access to over 550 lounges worldwide and much more!

Tharwa World Mastercard Credit Card

World MasterCard empowers you with the flexibility to explore the places and pursuits that mean the most to you. The combination of worldwide acceptance and valuable features means that you have the freedom to do exactly what you want, whenever you feel like it, with travel-specific features and benefits that gives you the exceptional service you've come to expect from your MasterCard.

  • Starwood Hotels & Resorts Complimentary Hotel Nights
  • Luxury Serviced Apartment Discounts
  • Airport Lounge Access in over 400 cities worldwide
  • Travel Inconvenience, Accident and Cancellation Insurance and Coverage
  • Discounted Fast Track Travel Visa Service
  • Exclusive Spa Offers
  • Year Round Cleartrip Travel Discount
  • MasterCard® Buy 1 Get 1 Offers
  • MyUS Premium Shipping Discounts
  • MasterCard® ID Theft Protection™
  • Price protection and Extended Warranty on Purchases Made

As a Tharwa customer you also have the facility of issuing additional credit cards for your spouse and children. They too can enjoy the benefits and privileges of the World MasterCard Credit Card.


All Customers with a Salary of 3,000 OMR and above or a deposit of 30,000 OMR are eligible

Banking Solutions

Tharwa is committed to ensuring that your banking experience is unsurpassed; assuring quality of service and convenience through our comprehensive range of Shari'a Compliant products & services to meet all your banking needs. Our solutions are designed to ensure peace of mind and optimum service levels through an array of options to meet your varying needs.

From Retail deposits and financing through to specialist term financing and high value deposit accounts such as the Izdihar Savings Account, Wakala Term Investment Deposits and Wakala Term Investment Deposits with advanced payment of anticipated profit. Tharwa customers will also be eligible for reduce transaction/service fees which will be available in the branches for customers to view.

Ways of Banking:

  • Online Banking
  • Mobile Banking
  • Interactive Teller Machines
  • Telephone Banking / SMS Alerts
  • ATMs
  • Call Centre


All Customers with a Salary of 3,000 OMR and above or a deposit of 30,000 OMR are eligible

Download Information

Click on the relevant links below to print the forms that you require. For your convenience, these forms are to be completed and submitted prior to visiting the Branch, along with the relevant documents for further processing.

Download Form

Approved by Shari'a Supervisory Board

All Alizz Islamic Bank products and services are approved by Shari'a Supervisory Board.

To view the fatwa issued by Shari'a Supervisory Board authenticating compliance of the product please check the following link: Certificate