Updated September 28, 2026 · DebitCue Editorial Team
CrediMax vs NHL® Discover it®
CrediMax
NHL® Discover it®
Higher score in this comparison
What sets them apart
| Compare | CrediMaxReviewSee alternativesSee alternatives | NHL® Discover it®ReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | BHD 0 | $0 |
| Rewards rate | 30% cashback on talabat orders, up to 1% cashback on other spends | 1% cash back on all other purchases; 5% cash back in rotating categories, plus dollar-for-dollar match in first year |
| Balance transfer intro period | 6 months | 15 monthsHigher |
| Perks | Airport lounge access worldwide via MasterCard Travel Pass, Up to 25% off travel bookings via trip.com, IHG Hotels and Ole Sereni Hotels, Up to 20% off car rentals at select partners, Purchase protection against theft or damage for up to 90 days, Free talabat Pro subscription and free food and grocery deliveries, Monthly flexible payment plan, Grace period of up to 25 days from statement date, up to 55 days, Annual raffle entry for cars and cash prizes, 24/7 support via online banking, mobile app and customer service | $0 fraud liability on unauthorized purchases, Unlimited Cashback Match: dollar for dollar match of cash back earned in the first 365 days, Free CreditWise credit monitoring and FICO Score 8 access, Pre approval tool that does not impact your credit score, Card Lock in the mobile app, 99% nationwide acceptance (Nilson Report, Feb 2026), Virtual card available before the physical card arrives, if eligible |
| APR | Not confirmed | 18.49% to 28.49% |
| Balance transfer fee | Not confirmed | 3% |
| Credit needed | Not confirmed | Good |
Same on both: Rewards type (Cashback), Card kind (Credit).
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Key differences
- NHL® Discover it® scores higher overall: 9.3 vs 9.1.
- Founded is lower at NHL® Discover it®: 1985 vs 1999.
- Balance transfer intro period is higher at NHL® Discover it®: 15 months vs 6 months.
- Perks: only CrediMax offers Airport lounge access worldwide via MasterCard Travel Pass, Up to 25% off travel bookings via trip.com, IHG Hotels and Ole Sereni Hotels, Up to 20% off car rentals at select partners.
- Perks: only NHL® Discover it® offers $0 fraud liability on unauthorized purchases, Unlimited Cashback Match: dollar for dollar match of cash back earned in the first 365 days, Free CreditWise credit monitoring and FICO Score 8 access.
- Support channels: only CrediMax offers Email.
- Support channels: only NHL® Discover it® offers Chat.
Our verdict on each
CrediMax
CrediMax is a Bahraini issuer built around talabat rewards, so it suits households and businesses that order food and groceries through the app and pay their balance down each month. Balance transfers get an intro period of 6 months under the Central Bank of Bahrain.
NHL® Discover it®
NHL Discover it is a US credit card that suits people who want cashback on everyday spending without paying an annual fee, and who are comfortable holding a balance at 18.49% to 28.49%. It is issued by Discover by Capital One, N.A., and rewards are cashback rather than points or miles.
Score breakdown
| Area | CrediMax | NHL® Discover it® |
|---|---|---|
| Cost | Not confirmed | 9.2Annual fee of $0 and a balance transfer fee of 3%, with APRs of 18.49% to 28.49% against a site median of 20.97%. |
| Offer | 9.2Annual fee BHD 0 on the talabat credit card, monthly fee BHD 0 on the prepaid card, cashback rewards. | 9.4HigherCashback on every purchase with a match on the first 15 of spending, plus good credit needed. |
| Trust | 9.0 | 9.4Higher |
Also worth a look
HSBC UK has balance transfer intro period at 17 to 36 months, against 6 months for CrediMax and 15 months for NHL® Discover it®.
HSBC UK reviewSources behind this comparison
CrediMax
- credimax.com.bh: 13 facts, checked September 26, 2026
NHL® Discover it®
- discover.com: 12 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- capitalone.com: 1 fact, checked September 26, 2026
How they place
| Ranking | CrediMax | NHL® Discover it® |
|---|---|---|
| Credit cards | 150 of 1020 | 96 of 1020 |
| Balance transfer cards | 8 of 35 | 3 of 35 |
| Cashback cards | 52 of 203 | 27 of 203 |
Every fact side by side
| Fact | CrediMax | NHL® Discover it® |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Rewards |
| Audience | Business, Student | Not confirmed |
| Legal entity | CrediMax B.S.C. | Discover by Capital One, N.A. |
| Headquarters | Bahrain | United States |
| Founded | 1999 | 1985Lower |
| Support channels | Phone, Email, Help centre | Phone, Chat, Help centre |
Debit cards
| Fact | CrediMax | NHL® Discover it® |
|---|---|---|
| Monthly fee | BHD 0 | Not confirmed |
| Card type | Prepaid | Not confirmed |
| Card network | Visa | Not confirmed |
| Currencies | 33 | Not confirmed |
Where each stands against the rest
| Fact | CrediMax | NHL® Discover it® | Median |
|---|---|---|---|
| APR | Not confirmed | 18.49% to 28.49%below the median | 19.39 |
| Balance transfer intro period | 6 monthslowest quarter | 15 monthsat the median | 15 months |
| Balance transfer fee | Not confirmed | 3%at the median | 3% |
Median across 196 listed cards.
Pros and cons
CrediMax
Pros
- The talabat credit card has an annual fee of BHD 0, and the prepaid card a monthly fee of BHD 0
- Cashback rewards tilt towards talabat orders, with a much smaller rebate on other spending, and the card adds a free talabat Pro subscription and free food and grocery deliveries
- Balance transfer offers run an intro period of 6 months, useful for clearing a balance on a set timetable
Cons
- The rewards rate leans on talabat orders, so spending elsewhere earns a much smaller rebate
- Support runs on phone, email and help centre, which does not include live chat or a community channel
- Multi-currency is not among its features (rewards), where rewards is the only entry
NHL® Discover it®
Pros
- No annual fee, so nothing to pay for keeping the card open: $0
- Cashback on all purchases, with a dollar-for-dollar match on the first 15 of spending
- Balance transfer offer of 15 at a fee of 3%
Cons
- Purchases carry an APR of 18.49% to 28.49%, and cashback is smaller than the interest on a carried balance
- Rotating category bonuses mean the 15 match is the strongest part of the offer only early on
Who each suits
CrediMax
Who it suits
- Households and businesses that order food and groceries through talabat and want the spending rebated
- Business and student cardholders, the two audiences CrediMax lists for its cards
- Card users clearing an existing balance inside a short transfer window
Who should look elsewhere
- Card shoppers after a secured credit card rather than a rewards card: Chime Card (Secured Visa Credit Card) also has an annual fee of $0
- Readers who mainly want an account for spending abroad, since Wise is priced on an annual fee of £0
- Anyone shopping purely on the annual fee, since Varo Believe Secured Credit Card also charges $0
NHL® Discover it®
Who it suits
- US cardholders who want a simple cashback card with no annual fee
- People planning a balance transfer who can clear the balance inside the offer period
- Hockey fans who want a card with cashback and no annual fee
Who should look elsewhere
- Anyone wanting points or miles instead of cashback, where Wise has no rewards at all
- Anyone who needs a debit card for daily spending, where Starling is the better fit
- Anyone rebuilding credit from scratch, where Varo is the better fit
Current offers
CrediMax
Current offer
Bonus
talabat Credit Card welcome bonus: BD 30 talabat credit
Spend BD 300 in eligible transactions within 45 days of card issuance; government, utilities and education transactions excluded
Source, checked September 26, 2026
Free bet
OSN+ Standard subscription offer: 4 months of OSN+ Standard
Active CrediMax Mastercard Platinum, World or World Elite credit card; Bahrain resident aged 18+; new OSN+ Standard Plan customers who have not used another OSN+ offer in 12 months; redeem at osnplus.com/en-bh/redeem?campaign=credimax; valid 17 August 2026 to 17 February 2027
Source, checked September 26, 2026
NHL® Discover it®
Current offer
Bonus
Discover it Cash Back $200 welcome bonus: $200 statement credit after spending $500 on purchases within 3 months of account opening
One-time, new cardholders only, available by clicking Apply Now on the page; may not be available if you navigate away or close the page
Source, checked September 26, 2026
Bonus
Unlimited Cashback Match on Discover it Cash Back: Dollar-for-dollar match of all cash back earned in the first 365 days, no limit
For new cardholders; no purchase minimums; offered from account approval through first 365 days; promotional offer may not be available in the future
Source, checked September 26, 2026
First period offer
0% intro APR on Discover it Cash Back: 0% intro APR for 15 months on purchases and balance transfers
Eligible customers only; 18.49% to 28.49% variable APR after that; balance transfer fee applies
Source, checked September 26, 2026
Country by country
| Country | CrediMax | NHL® Discover it® |
|---|---|---|
| Bahrain | Yes | No |
| United States | No | Yes |
Questions about each
CrediMax
What does the CrediMax talabat credit card cost to keep?+
The talabat credit card has an annual fee of BHD 0, and a no annual fee model is the standard CrediMax approach. The prepaid Cardy Ex carries a monthly fee of BHD 0. Rewards are paid as cashback, with the heaviest rebates on talabat orders.
Is CrediMax regulated, and where is it based?+
The legal entity is CrediMax B.S.C., licensed by the Central Bank of Bahrain, and its head office is in Bahrain. Customer service is listed on phone, email and help centre, alongside online banking, mobile app and customer service around the clock.
NHL® Discover it®
What does NHL Discover it cost to keep?+
There is an annual fee of $0, so the card costs nothing while it sits in your wallet. A balance transfer costs 3% and runs for 15, which is the only separate charge on the card.
What APR will I pay on purchases?+
Purchases carry an APR of 18.49% to 28.49%, which is a range set by your credit profile. The site median across compared cards is 20.97%, so check where your own rate lands before carrying a balance.
Other options to compare
CrediMax
NHL® Discover it®