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Our Primary Banking segment is designed to cater to all your banking needs with a comprehensive and valuable package. As a Primary Banking customer, you will enjoy exceptional banking services, and privileges.
Free issuance of Platinum Mastercard or Visa Platinum for the first year
Free issuance of Platinum Mastercard or Visa Platinum for the first year
Free issuance of VISA Prepaid Card for the first year
Free issuance of VISA Prepaid Card for the first year
Special offers and promotions
Special offers and promotions
Who is it for?
To qualify for the Primary Banking segment, customers must have a monthly salary of KD 500 to KD 1,499.

Salary Transfer Benefits
Transfer Your Salary to Warba Bank and Enjoy Exceptional Rewards! Cash rewards up to KD 150.
  • KD 100 cash reward upon salary transfer.
  • KD 50 cash reward for issuing and activating a credit card.

Credit Card Benefits & Offers
  • Earn up to 10% cashback or KD 150 monthly on eligible credit cards.
  • First year complimentary issuance of Visa Platinum charge or Mastercard Platinum charge.
  • Complimentary issuance of a Visa Prepaid card for the first year.

Debit Card Benefits & Offers
  • Customers can now adjust their debit card spending limits independently through the Warba Mobile App.

Financing Solutions
  • Up to 24 months grace period on personal finance
  • Exclusive "Primary Banking" preferential rates on Personal Finance deals.
  • 0% financing with participating automotive partners
  • 0% medical financing at hospitals and clinics in Kuwait
  • Special benefits in Warba Bank’s Car Leasing Program


Customer Segmentation:
Kuwaiti customers:
  • Working in public and private sectors. (The customer is segmented without any change after providing the required documents).

 

Non-Kuwaiti customers:

Only non-Kuwaitis working in the following entities:

  • Listed companies in the Kuwait Stock Exchange/Capital Market Authority
  • Governmental entities
  • Oil sector companies

 
Upgrade & Downgrade Policy
  • Customers who meet the segment salary criteria for 3 consecutive months will be eligible for an upgrade at the end of the quarter.
  • Customers who fail to meet the salary criteria for 3 consecutive months will be subjected to a downgrade at the end of the quarter.
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