Terms and Condition

These Terms and Conditions (“T&Cs”) govern the Dukhan Bank Salary Transfer Personal Finance Offer (“Offer”). By participating in this Offer, the Customer agrees to comply with and be bound by these T&Cs. Dukhan Bank reserves the right to amend, suspend, or withdraw the Offer at any time with prior approval from relevant authorities.

Offer Validity

The offer is valid until 31 December 2025, unless extended or withdrawn earlier at the sole discretion of Dukhan Bank.

Eligibility Criteria

• The Offer is applicable only to: new Customers transferring their salary to Dukhan Bank for the first time; and/or new Customers transferring existing personal finance liabilities from another financial institution to Dukhan Bank.
• The Offer is not applicable to existing Dukhan Bank personal finance Customers.
• The Customer must receive a monthly salary of at least QAR 10,000 and must provide a valid salary transfer letter addressed to Dukhan Bank else the rack/prevalent rate without promotion to apply.
• The Customer must apply for a Dukhan Bank Credit Card as part of this Offer to avail the preferential profit rate. If the Customer chooses not to obtain a credit card, the applicable profit rate shall be 4.50% p.a.

Profit Rates

Profit rates are determined based on the monthly salary amount as per the Customer’s salary transfer letter and shall apply as follows:

The above rates are applicable only when the Customer applies for a Dukhan Bank Credit Card in conjunction with the finance. Without a credit card, a rate of 4.50% p.a. applies.

Grace Period

A three (3) month grace period applies from the date of finance disbursement. During this period, the Customer shall not be required to make installment payments. Profit will continue to accrue during the grace period and shall be payable as per the agreed Murabaha terms.

Finance Amount and Tenure

• The minimum finance amount under this Offer is QAR 100,000.
• The minimum tenure is four (4) years.
• The maximum eligible age of the Customer shall not exceed 65 years at the time of finance maturity.
• The finance shall be granted under Murabaha principles and shall be subject to Dukhan Bank’s credit policies, Takaful coverage, and applicable fees.

General Terms

• Dukhan Bank reserves the right to verify eligibility and may decline an application without assigning any reason.
• Customers who cancel their salary transfer or credit card during the Offer period may lose eligibility for the preferential rate, and the standard profit rate may apply.
• Profit rates and terms are subject to change based on regulatory approval and Bank policy.
• All financing is subject to successful completion of required documentation and internal approvals.
• The Offer cannot be combined with any other promotional or preferential rate campaign.
• Dukhan Bank General Banking Terms and Conditions to apply. These terms are available on Dukhan Bank website.

Liability and Indemnity

Dukhan Bank shall not be held responsible for any tax liability, loss, or damages arising directly or indirectly from participation in this Offer. Customers are solely responsible for any tax obligations resulting from the benefit of this Offer.

Force Majeure

In the event of any unforeseen circumstance beyond Dukhan Bank’s control, including but not limited to regulatory changes, natural disasters, or system outages, the Bank reserves the right to suspend, modify, or cancel the Offer without prior notice.

Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of the State of Qatar. In the event of any discrepancy between the Arabic and English versions, the Arabic version shall prevail.