Gulf African Bank’s Awwal Credit Card offers you the ultimate convenience and flexibility through its many unique features. It has been developed in compliance with Shari’ah and is approved by our Shari’ah Supervisory Board. We charge a fixed monthly service fee (Ujrah) for the benefits that each card provides with a rebate applied at the discretion of the bank.

Key Features and Benefits:

No Interest (Riba)

A fully Shari’ah compliant Credit Card.

Fair Pricing

Save up to 30% of charges on conventional credit cards through rebates on monthly service fees. This will be calculated based on usage and early repayment.

No compounded Fees

There are no charges on bank fees. The bank charges only apply based on customer use.

Social Impact

Delinquency fees will not be regarded as profit for the bank but will instead be channeled to charitable causes for the benefit of less fortunate members of society.

Buy Now, Pay Later

Our Card brings you ultimate convenience as you can enjoy the flexibility of paying as little as 10% of your monthly Card statement and opt to repay the balance amount of your purchases in later month(s).

Free Cards for your Family

You can get up to FIVE additional cards for your immediate family members for FREE.

Luxurious Travel

Enjoy access to over 700 airport lounges in 400 cities worldwide regardless of the choice of airline or class of airline ticket. This gives you an experience of comfort and quality service every time you travel Simply present your Platinum Card to the lounge staff and mention “Lounge Key” to gain access. Kindly check out for more details.

Shop Safely

  • Purchase Protection: Lost, stolen or damaged goods purchased using our Platinum Credit Card will be covered for 45 days from the date of purchase.
  • Chip and PIN: All cards are EMV compliant and support Chip & PIN transactions for secure face to face purchases.
  • 3D Secure: This guarantees safety and peace of mind for online transactions. You will receive a one time password (OTP) before completion of an online purchase.

How to apply

  • Call us on +254 711075000 or
  • Visit your nearest GAB branch or
  • SMS ‘AWWAL’ to 21981 at no charge and we will get back to you or
  • Email us on [email protected]

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