Who it's for
Your income is real. It just isn't monthly.
Commission, invoices, a good quarter and a thin one. Every gate in front of a deposit is built around a fixed monthly number, and yours is not fixed. We do not ask what you earn, because the guarantee does not depend on it.
Why the usual routes fail here
Cash deposits hit working capital
KD 300–KD 500 immobilised for the length of a stay is money not in the business. For someone on a salary that is an inconvenience; for someone invoicing clients it is cash flow.
Salary gating has no input for you
A KD 400 monthly transfer requirement has no version of itself that irregular income satisfies. It is not a high bar — it is the wrong shape.
What this changes in practice
Predictable annual cost
KD 80, known at signing, unaffected by how many holds you place.
Cash stays in the business
A hold reserves nothing of yours, so working capital is untouched for the length of a stay.
No income disclosure
No accounts, no bank statements, no proof of turnover.
Can I use it for business travel and bill it through?
The card is issued to you personally and the guarantee stands behind holds placed on it. How you account for the membership is between you and your accountant.
Can I raise the KD 500 ceiling?
Not today. The ceiling is a fixed product parameter, and the guarantee fee is flat precisely because it does not vary with exposure. If that changes, it changes for everyone and the pricing page changes with it.
Do you check my credit file?
No. There is no credit line to underwrite.
A cost you can forecast, instead of a deposit you can't.
Registration with the Central Bank of Kuwait is in progress. We are not yet authorised to issue cards.
Our four-contract structure has been submitted to an independent Sharia Supervisory Board for ruling.
BIN sponsorship is under negotiation with a Visa principal member.
Depozit does not offer credit. There is no credit line, no revolving balance, and no interest charged or paid on any part of this product. The guarantee covers 90% of the KD 500 ceiling; the remaining KD 50 is the cardholder's own responsibility.