The everyday extra
Coffee on us
Because great days start with great coffee.
Your everyday spending, reimagined
What if your everyday spending could give you more?
From everyday treats to extraordinary experiences.
NIYAH is a payment and membership experience that turns your everyday spending into real benefits — for you, and for Oman.
Discover what's possible
Exclusive experiences,
real FREE rewards.
The little indulgence
A burger on us
Sometimes, the best moments are simple.
The getaway
A night at a hotel
Turn a change of scenery into a memorable stay.
Coming soonThe experience
A night on a yacht
Imagine a different kind of evening on the water.
Coming soonThe extraordinary
A beach mansion escape
Picture a stay somewhere truly extraordinary.
The everyday extra
Coffee on us
Because great days start with great coffee.
The little indulgence
A burger on us
Sometimes, the best moments are simple.
The getaway
A night at a hotel
Turn a change of scenery into a memorable stay.
Coming soonThe experience
A night on a yacht
Imagine a different kind of evening on the water.
Coming soonThe extraordinary
A beach mansion escape
Picture a stay somewhere truly extraordinary.
How it works
A simple idea.
A bigger reward.
Your everyday spending helps power a benefits engine managed by NIYAH, unlocking rewards, experiences and meaningful impact in Oman.
01
You spend
Use NIYAH for your everyday payments.
02
It powers the benefits
Your spending helps fuel our benefits engine, managed by NIYAH.
03
You enjoy
Access a world of complimentary benefits and experiences.
The NIYAH Vault
Our company-governed Vault manages the capital that powers the benefits programme, funds Omani initiatives and supports a stronger, more sustainable future.
Membership
More benefits.
More possibilities.
Get more from your everyday with NIYAH membership. Enjoy exclusive rewards, enhanced financial tools and experiences designed to add real value to your life — and your tomorrow.
Free access
Everyday value.
Essential financial tools and selected partner offers.
- 0% additional FX markup
- Eligible account-balance returns
- Partner discounts and offers
- Everyday payments & transaction history
Paid Membership
Niyah+
NIYAH membership
More rewards. Greater control.
- All free access benefits
- Complimentary rewards
- Exclusive experiences & prize draws
- The NIYAH Vault
- Child lock & parental controls
- Groups & shared goals
Membership feature
The NIYAH Vault
See how your everyday spending helps drive real impact — from supporting Omani startups to funding sustainable initiatives across the country.
Support Omani startups
Invest in sustainable projects
Build a stronger Oman
Coming soon
NIYAH Premium
Extraordinary experiences, curated for you.
Take your membership further with exclusive experiences, luxury stays and premium access, coming soon.
Yacht experiences
Luxury hotel stays
Curated holidays
Exclusive resort escapes
Your journey starts here
Join NIYAH today
Unlock a world of benefits, experiences and real impact.