Gulf Bank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Gulf Bank suits Kuwaiti consumers who want a credit card and a debit card from the same lender, with points rewards on the credit side. The rate of 8.33% is what separates it here, sitting well under the credit card median of 20.85% across the site.
Key facts
- Best for
- One bank for credit and debit spending in Kuwait, with points rewards on the credit card.
- APR
- 8.33% (Source, checked September 26, 2026)
- Rewards type
- Points (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Headquarters
- Kuwait (Source, checked September 26, 2026)
- Founded
- 1960 (Source, checked September 26, 2026)
- Features
- Rewards
- Official website
- e-gulfbank.com
Debit cards
Pros and cons
Pros
- A credit card and a debit card sit under one lender, covering both a carried balance and daily spending.
- Rewards come as points, with rewards listed as the card feature.
- The rate of 8.33% places the card at position 14 of 133 on the site's rate comparison.
- Operating since 1960 in Kuwait, so it is an established local lender.
Cons
- Rewards arrive as points rather than cash, so the value depends on how you redeem.
- Interest still costs: balances on the credit card accrue at 8.33%.
Who it suits
- Kuwaiti consumers who want a credit card and a debit card under one name.
- Borrowers who want a credit card at 8.33% that also pays points.
- Anyone who values a long banking record, trading since 1960 in Kuwait.
Who should look elsewhere
- Amwal, whose APR of 0% is lower than 8.33%.
- National Bank of Kuwait Cards, whose rate of 12% runs above 8.33%.
- AffinityPlus Credit Union, whose Select Rewards card runs APR 14.65% to 18% across a spread rather than a single rate.
The company behind it
Gulf Bank is a domestic lender rather than a newcomer: its headquarters sit in Kuwait, and it has been trading since 1960. That record matters for anyone planning to hold a card for years, because a long operating history means the relationship outlives a single product cycle. Cards on both sides of the balance sit under the same name.
How Gulf Bank compares
9.7 vs 9.4
9.7 vs 9.0
9.7 vs 8.9
9.7 vs 9.2
9.7 vs 8.8
9.7 vs 8.5
9.7 vs 8.5
9.7 vs 9.0
9.7 vs 8.8
9.7 vs 8.8
9.7 vs 8.7
9.7 vs 9.2
9.7 vs 9.0
9.7 vs 8.9
9.7 vs 8.8
9.7 vs 9.6
9.7 vs 9.4
9.7 vs 9.4
9.7 vs 9.2
9.7 vs 9.1
9.7 vs 9.1
9.7 vs 9.1
9.7 vs 9.1
9.7 vs 8.8
9.7 vs 8.8- 9.7 vs 8.8
- 9.7 vs 8.8
9.7 vs 8.8- 9.7 vs 8.8
9.7 vs 8.5
9.7 vs 8.5
9.7 vs 8.5
9.7 vs 8.3
9.7 vs 8.2
9.7 vs 8.0
9.7 vs 8.0
Where Gulf Bank is available
- Available
- Kuwait
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the Gulf Bank credit card charge?+
The listed rate is an APR of 8.33%. That is below the credit card median of 20.85% on the site, and Gulf Bank sits at position 14 of 133 cards on that measure. Interest is the main cost to weigh.
Is this a credit card, a debit card, or both?+
Both. Gulf Bank issues a credit card as well as a debit card, so the same lender covers a revolving balance and everyday spending. The credit range is the one linked to the rewards programme, and the debit card handles day to day purchases.
What kind of rewards do Gulf Bank cards pay?+
Rewards come as points through the bank's Gulf Points programme, and the card feature is listed as rewards. Points are redeemed rather than paid out as cash, so the worth depends on how you spend and when you redeem.
Where is Gulf Bank based, and how long has it operated?+
Gulf Bank is headquartered in Kuwait and has been operating since 1960. It is a domestic lender, which matters for anyone keeping a card open for a long stretch rather than moving provider every year or two.
How does the rate compare with the other cards here?+
Gulf Bank's APR of 8.33% is lower than National Bank of Kuwait Cards at 12%, and lower than AffinityPlus Credit Union, whose Select Rewards card runs 14.65% to 18%. Amwal lists 0%, the lowest figure in the group.
How does Gulf Bank score on cost?+
The overall score is 9 and the cost part reads 9, so price carries the rating here rather than perks. That cost position follows from the rate of 8.33% on the credit card.
Who is the Gulf Bank card aimed at?+
It suits consumers in KW who want a credit card and a debit card from one lender, and who are content to earn points. If the rate is the deciding factor, Amwal is the cheaper listing.
Sources
- e-gulfbank.com/en/personal/cards/credit-cards checked September 26, 2026
Backs: Card kind
“Credit Cards - Visa Infinite, Mastercard World, Mastercard Titanium”
- e-gulfbank.com/en/personal/cards/debit-cards checked September 26, 2026
Backs: Card type
“Debit Cards - Mastercard World Debit - Mastercard Platinum Debit - Debit Card”
- e-gulfbank.com/en/personal/rewards/gulf-points checked September 26, 2026
Backs: Features, Rewards type
“Gulf Points - Rewards on Credit Cards”
- yallacompare.com/kwt/en/banks/gulf-bank checked September 26, 2026
Backs: APR, Founded, Headquarters
“Gulf Bank - MasterCard Titanium 8.33%”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Annual fee, Currency conversion fee.
Related by the facts
Gulf Bank
One bank for credit and debit spending in Kuwait, with points rewards on the credit card.