Thameen+ Program Terms & Conditions

Definitions

Credit Card(s) means the cards bearing the service marks of the respective card associations issued by CrediMax to the Cardholder in accordance with the Credit Card Terms and Conditions.

Card Account means the account held by the Principal Cardholder with CrediMax.

Cardholder(s) means each person to whom CrediMax has issued a credit card and pin, and shall include both the Principal Cardholder and the Supplementary Cardholder.

Credit Card Terms and Conditions means the terms and conditions of CrediMax as may be amended, varied or supplemented from time to time, and which form an integral part of these Terms and Conditions.

CrediMax means CrediMax B.S.C. (c)

Delinquent means a Card Account held by a Cardholder who has failed to make the minimum monthly payment by the respective due dates.

Eligible Transaction means a completed process of valid payment, made by the Cardholder, for the purchase of goods and or services to which the Thameen Program applies, but which exclude cashadvances, cash withdrawals, all fees charged on the Credit Card by CrediMax (including late payment and collection fees, annual Credit Card fees, any insurance fees, over-limit fees, interests, etc.), tax refunds,  balance  transfers  to  the  Credit  Card  Account,  chargebacks,  fraudulent  and  disputed transactions, transactions reversed by the provider of the goods and / or services, and any other transactions, charges or fees which may be determined by CrediMax from time to time at its sole and absolute discretion.

Good Standing means a Card Account which is active, in good standing and not in default in that the Cardholder is making the minimum monthly payments due to CrediMax by the respective due dates.

Thameen Program means a loyalty program initiated by CrediMax to allow eligible Cardholders to earn and redeem points against their Credit Card utilization as stated in these Terms and Conditions.

Point’s means the points earned, accumulated or redeemed under the Thameen Program in accordance with these Terms and Conditions.

Principal Cardholder means the person to whom CrediMax has issued the primary Credit Card and to whom the Card Account is issued and maintained.

Rewards means the products and services, including air tickets, hotel bookings, miles, car rentals, cash backs or any other products or services, that are offered by the Rewards Program Partners which may be redeemed by the Principal Cardholder by using the Points issued under the Thameen Program.

Rewards Balance means the balance of all Points earned through Eligible Transactions after having deducted any Points which have already been utilized or redeemed.

Rewards Program Partners means independent third party merchants with whom CrediMax has an agreement directly or indirectly allowing the Principal Cardholder to redeem Points.

Supplementary Card means the Credit Card held by the Supplementary Cardholder.

Supplementary Cardholder means a cardholder nominated by the Principal Cardholder and whose Eligible Transaction is chargeable to the Card Account of the Principal Cardholder.

Terms and Conditions means these Thameen Program Terms and Conditions, as may be amended, varied or supplemented from time to time.

Introduction

These Terms and Conditions explain how Principal Cardholders who are eligible to participate in the Thameen Program can earn Points on their Card Accounts and redeem these Points for Rewards.

In choosing to participate in the Thameen Program, Cardholders agree to   do so in accordance with these

Terms and Conditions, which must be read in conjunction with the Credit Card Terms and Conditions. If the event of any inconsistency between these Terms and Conditions and the Credit Card Terms and Conditions, these Terms and Conditions shall prevail.

Thameen Program Eligibility

1. The Thameen Program is only available to Infinite Premium, World Elite Premium, Infinite, World Elite, Signature, World, Platinum, Gold & Student Credit Cards.

2. The Cardholder must hold a valid Credit Card and must remain in Good Standing throughout his / her participation in the Thameen Program.

3. CrediMax has the right to amend / change the eligibility criteria at any time, at its sole and absolute
   discretion, and with giving prior notice to the Cardholder.

Awarding of Points:

1. Cardholders shall only earn Points for Eligible Transactions.

2. Below are the points to be earned for each BHD 1 spent (effective transactions dated 1st October 2025):

*CrediMax reserves the right to change the value of the Points from time to time at its sole and absolute discretion and with giving prior notice to the Cardholder.

3. Cardholders shall earn Points from the effective date of the Principal Cardholder’s participation in the Thameen Program. For the avoidance of doubt, Cardholders will not earn Points for any Credit Card use prior to the effective date of the participation in the Thameen Program.

4. Supplementary Cardholders cannot earn Points separately from the Principal Cardholder. All Points accrued under the Thameen Program by the Supplementary Cardholder will accumulate to the account of the Principal Cardholder on which the Supplementary Cards were issued.

5. Principal Cardholders who terminate a Supplementary Card will still be eligible to participate in the Thameen Program. Benefits which accrued up to the date of termination of the Supplementary Card will still be available and passed on to the Principal Cardholder’s Card Account.

6. Points will be posted to the Principal Cardholder’s Card Account within three days, following the Eligible Transaction posting to the Cardholder’s Card Account.
7. If a Principal Cardholder disputes the number of Points awarded in respect of an Eligible Transaction, a claim must be made to details within three (3) months of the date of the Eligible Transaction. CrediMax reserves its right to request additional documentary evidence to support the Principal Cardholder’s claim. Any such claims will be reviewed by CrediMax on a case-by-case basis and will be finally determined at CrediMax’s sole and absolute discretion.

Points Redemption:

1. Points can be redeemed for Rewards offered by the Rewards Program Partners as detailed on CrediMax’s website. All Rewards are subject to availability and certain restrictions may apply.

2. Points for the redemption of Rewards can only be used after the Points have been allocated to Principal Cardholder’s Rewards Balance OR Card Account.

3. A Principal Cardholder may access and / or redeem any accumulated Points through the CrediMax mobile application, at www.credimax.com.bh, or by such other means as may be confirmed by CrediMax from time to time.

4. All requests for redemption of Points must be made by the Principal Cardholder. For the avoidance of doubt, Supplementary Cardholders shall not have the right to access, redeem or otherwise utilize any Points granted under this Thameen Program. CrediMax shall assume that all redemption requests made through CrediMax’s website or the mobile application are made by the Principal Cardholder in his/her capacity as such.

5. The Principal Cardholder is solely responsible for submitting the appropriate and complete request for the utilization of Points and any procedures, reservations, documentations, and notifications in connection therewith as may be necessary or required from time to time.

6. All redemption requests will be processed on a first-come, first-serviced basis. The time for delivery of a Reward (whether vouchers or products) may vary depending on the actual Reward redeemed. CrediMax shall exercise its best efforts to mail and or deliver the Reward to the Principal Cardholder within fifteen (15) working days of its receipt of the redemption request.

7. Points and Rewards are personal to the Principal Cardholder and cannot be exchanged, assigned, sold, transferred, shared, or otherwise disposed of to any other person or account for any reason. Rewards must be used by the Principal Cardholder.
8. Requests for utilization or redemption of Points which are received by CrediMax are final anirrevocable. Utilized Points / redeemed Rewards are not exchangeable for other rewards, and are not refundable, replaceable or transferable for cash or credit. Rewards have no cash value.
9. In the event that a Reward is lost or stolen, the Principal Cardholder will not be credited back the Points and no new voucher or replacement will be issued by CrediMax or the Rewards Program Partners.
10. The Principal Cardholder must redeem all Points before cancelling the Card Account. As such, the Principal Cardholder must ensure that, as at the time of redemption, the Credit Card is not cancelled. If the Card Account is cancelled before the Points are redeemed, all accumulated Points shall be lost and will not be reinstated to a new account. CrediMax is not responsible for notifying the Principal Cardholder of any Point balance prior to the cancellation of a Card Account or Credit Card.

11. Points may not be utilized in any way in the event of the death or incapacity of the Principal Cardholder, or if any outstanding payment for the Credit Card is overdue, or if the Credit Card is suspended or is terminated by CrediMax at the time of the request for utilization. In the event the Credit Card is cancelled, any Points not utilized before the date of cancellation will be lost.

Disqualification from Participation in the Thameen Program

1. Cardholders shall immediately be disqualified from participation in the Thameen Program and / or from the redemption of their Points if:

1.1.  the Principal Cardholder’s Card Account has been blocked, suspended, terminated or closed;

1.2. the Principal Cardholder’s Account is or becomes Delinquent; or

1.3. The Cardholder (whether principal or Supplementary) refuses to comply with or is otherwise found to be in breach of his / her obligations under the Credit Card Terms and Conditions or these Terms and Conditions.

Any unused Points held by a Cardholder who has been disqualified from the Thameen Program in accordance with this Clause (1) shall be cancelled and will no longer be available for use under the Thameen Program. The Cardholder will also lose the right to earn additional Points on future Eligible
Transactions.

2. If CrediMax determines any fraud or other abuse relating to the accrual of Points by a Cardholder, then such Points fraudulently earned by the Cardholder shall be forfeited as well the Cardholder’s membership may be cancelled. The Principal Cardholder shall be fully responsible and liable for anything arising therefore.

Rewards Program Partners:

1. The Thameen Program is managed by CrediMax and selected Rewards Program Partners to offer Principal Cardholder’s access to Rewards.
2. The redemption and use of Points and Rewards is subject to availability and to such conditions as may be specified by the Rewards Program Partners. CrediMax is not responsible for ensuring that the Reward that the Principal Cardholder has redeemed will be available.

3. The Cardholder understands and acknowledges that upon selection of a Reward from a Rewards Program Partner, the Cardholder shall enter into a direct agreement with the Rewards Program Partner, and not CrediMax. As such, the Cardholder is strongly advised to read, understand and agree to the Rewards Program Partners’ respective terms and conditions prior to purchasing any Reward(s) from them.

4. The Cardholder acknowledges and agrees that if the Reward is damaged or faulty,  or is unsatisfactory for any reason, CrediMax shall not be liable for any such Rewards, nor shall it be responsible for the quality and / or performance of the Rewards supplied by the Rewards Program Partner. All complaints must be directed to the respective Rewards Program Partner. CrediMax shall not be responsible for any refund and / or exchange of any Rewards.

5. By accepting the Rewards Program Partner’s offer, the Cardholder agrees to abide by the terms and conditions of the purchase of the relevant Reward, including payment of all amounts when due and complying with all rules and restrictions regarding booking, availability, cancellations and refunds in respect of such Rewards.

6. CrediMax is not an agent, partner, joint venture, employer/employee of the Rewards Program Partners  and  is  not  responsible  for  and  will  not  assume  any  liability  for  any  changes  in or discontinuance of the benefits offered by the Rewards Program Partner.

Refunded Points:

There  will  be  a  proportionate  adjustment  of  Points  by  reduction  for  any  credits  to  the  Principal Cardholder’s Card Account with respect to returned goods or services, refunds for disputed transactions, billing disputes or otherwise.

Points Expiry:

Points are valid and can only be accumulated for a period of three (3) years from the date of the Eligible Transaction.

Any Points not used by the end of such period shall be forfeited without the need for CrediMax to give notice or reminder. For the avoidance of doubt, Points will not be transferred to any other account held by the Principal Cardholder or otherwise, for any reason.

General Conditions:

1. CrediMax reserves the right to change, suspend or terminate the Thameen Program, or change these Terms and Conditions, including but not limited to the percentage rates and what qualifies as an Eligible Transaction, at any time by notice to the Principal Cardholder.
2. Notices to be given to the Cardholder under these Terms and Conditions shall be deemed to have been sufficiently served once published on CrediMax’s website and / or mobile application.

3. CrediMax reserves the right to change the Point value of the individual Rewards to reflect changes in the prices charged by the Reward Program Partners for such Rewards. Changes shall be effective immediately and will be applied with notice.

4. CrediMax reserves the right to cancel, change or substitute the Rewards and / or the Reward Program Partners at any time at its sole and absolute discretion.

5. CrediMax shall have the right, but not the obligation, to offer Cardholders special promotions or opportunities to earn additional Points and Rewards, as it sees fit.

6. Cardholders consents to the disclosure of their Card Account information to the Rewards Program Partners and to any third party as may be necessary for the purposes of fulfilling their Rewards redemption requests.

7. Cardholders agree to receive operational communications about the Thameen Program, as well as advertising and marketing material from CrediMax.

8. CrediMax will not be liable for any damages or losses experienced by the Cardholders due to the Thameen Program or its underlying technology including where it is not operational or accessible to the Cardholder. Further, CrediMax shall not be held responsible / liable in any manner whatsoever for any damage and / or loss incurred by the Cardholder from the redemption of Points and / or purchase of Rewards through the Rewards Program

9. CrediMax does not make any expressed or implied representations or warranties to the Cardholder regarding the accuracy, reliability or availability of or other operations related to the Thameen Program, or that all Rewards will be available for redemption.

10. If a Cardholder is found to have used, or to have attempted to use, any part of CrediMax’s infrastructure, website, applications or technology for illegitimate purposes, or for purposes other than those set out in these Terms and Conditions, the Cardholder will forfeit all accumulated Points without compensation. Additionally, the Cardholder’s membership in the Thameen Program will be terminated immediately, and he/she will be prohibited from all future participation in the Thameen Program. If appropriate, the Cardholder will also be prosecuted to the fullest extent that the law permits as a result of any damages to CrediMax.

11. CrediMax may, in its sole discretion, terminate the Cardholder’s membership in the Thameen Program for any reason, with or without cause, and with or without explanation.
12. All limitations on liability and rights of CrediMax under these Terms and Conditions shall survive the termination or disqualification from the Thameen Program.
13. The Cardholder must provide CrediMax with valid contact information (including email address, phone number and home address), and keep CrediMax informed of any changes to the same.

14. The Cardholder’s membership in the Thameen Program is contingent upon continuous adherence to these Terms and Conditions, as may be amended from time to time.

15. These Terms and Conditions shall be governed by the laws of the Kingdom of Bahrain and any dispute arising out of these Terms and Conditions or their execution will be referred to the exclusive jurisdiction of the courts of the Kingdom of Bahrain