Hazhmari Mn Credit Card
More Spending Freedom, Based on Your Salary
A Credit Card Designed Around Your Salary
The RTB “Hazhmari Mn” Credit Card is available to eligible Hazhmari Mn salary customers. Your credit limit is determined by your monthly salary, giving you access to additional spending for purchases and cash withdrawals in Iraq and internationally wherever Mastercard is accepted.
Card Benefits
Comprehensive benefits designed for the discerning cardholder
Credit Limit Based on Your Salary
Receive a credit limit equal to 50% or 100% of your monthly salary, depending on your salary amount.
No Interest When Repaid Within One Month
Repay your full card balance within one month and no interest will be charged.
Local and International Purchases
Use your card for purchases in Iraq and internationally wherever Mastercard is accepted.
Access to Cash Withdrawals
Withdraw cash using your credit card in Iraq or internationally, subject to the applicable withdrawal fees.
Convenient Repayment Options
Repay your card balance in cash or through a transfer from your RTB account.
Support at Every Step
Your RTB branch team will guide you through the application process and required documentation.
Card Usage and Eligibility
The RTB My Account Credit Card is available to Hazhmari Mn customers earning a monthly salary of IQD 1 million or more, subject to RTB’s approval and terms and conditions.
Monthly salary And Amount of Credit:
Less than IQD 1,000,000: Not eligible
IQD 1,000,000–IQD 2,000,000: 50% of monthly salary
More than IQD 2,000,000: 100% of monthly salary
Terms and Conditions
- Applicants must be Hazhmari Mn customers.
- Applicants must earn a monthly salary of at least IQD 1,000,000.
- Credit-card issuance and the approved credit limit are subject to RTB’s approval.
- The mandatory repayment option is 100% payback.
- The full card balance is due each month.
- No interest is charged when the full balance is repaid within one month.
- A monthly fixed rate of 2.75% applies to any balance remaining after one month.
- Applicants must provide their National ID and passport.
- A Promissory Note must be completed at the branch and signed and stamped by the applicant, with the signatures of two witnesses.
- The Promissory Note must equal 125% of the approved credit limit.
- The credit card must be activated within three months of receipt.
Fees and Charges
Card issuance: IQD 75,000–150,000, depending on the card type
Late payment: IQD 30,000
Cash withdrawal: 3%–5%, depending on the location and card type
International transactions: 2.75% foreign-currency markup
Remaining balance after one month: 2.75% monthly interest rate
General Conditions
- Credit-card applications are subject to RTB’s review and approval.
- The approved credit limit is determined according to the customer’s monthly salary and applicable eligibility category.
- All Hazhmari Mn Credit Cards are issued with the mandatory 100% payback option.
- Applicable card-issuance and cash-withdrawal fees vary according to the card type and transaction location.
- Applicants must complete the standard Credit Card Application Form and submit all required supporting documents.
- Repayment may be made in cash or through a transfer from the customer’s RTB account.
Ready to Experience Luxury?
Apply for the Hazhmari Mn Credit Card today or contact us for more information