FAQ

​​​​​​​​​​​​​​​​ The Housing Bank For Trade & Finance responds to whatever queries you have in regards to any of our services. Your questions and answers will be found in this Frequently Asked Questions (FAQs) section. We have classified questions with their ideal answers in different categories based on subject relevance to facilitate the search process.

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  • What is the Iskan Coins Program? What is the Iskan Coins Program?
    The Iskan Coins Program enables Housing Bank customers to earn Iskan Coins when they utilize the bank's products and services (as per the services listed on the Bank’s official website). Accumulated Iskan Coins can be redeemed for cash, vouchers, gifts, or reward points with companies participating in the Iskan Coins Program. 
  • How to enroll and earn Iskan Coins? How to enroll and earn Iskan Coins?
    Housing Bank customers are automatically enrolled in the program. Iskan Coins are earned when benefiting from housing loan products, e-services via Iskan Mobile, and transactions made using Visa cards for online and in-store purchases both inside and outside Jordan, depending on the card type.
  • Which cards can be used? Which cards can be used?
    All Visa cards issued by the Housing Bank, including credit, debit, and Iskan v-cards, are eligible for earning Iskan Coins.
  • How can Iskan Coins be redeemed? How can Iskan Coins be redeemed?
    Iskan Coins can be redeemed through various methods, including:

    - Transferring Coins to another Housing Bank customer.
    - Converting Coins into cash credited to the customer's account or credit card, or to another Housing Bank customer.
    - Using Coins for payments (eFawateercom, eVouchers, CRIF fees).
    - Redeeming for shopping vouchers.
    - Withdrawing Coins via ATMs.

     
  • What is the validity of earned but unredeemed Coins? What is the validity of earned but unredeemed Coins?
    Earned but unredeemed Iskan Coins expire 24 months after the day they were credited to the customer's account.
  • What transactions are not included in earning Iskan Coins? What transactions are not included in earning Iskan Coins?
    Transactions that do not qualify for earning Iskan Coins include:

    - Cash withdrawals.
    - Fees and charges.
    - Transactions not posted to the card account.
    - Purchase transactions made at Gas stations.
    - The bank reserves the right to deduct Iskan Coins accumulated by the customer for successfully chargebacks transactions.
     
  • How can I install my transaction amount? How can I install my transaction amount?
    When using your Housing Bank Credit Cards through the merchant POS for selected participating merchants, through the SMS, through Iskan Mobile application or contact our Call Center (Iskan 24/7) at +96265200400
  • What is the installment period? What is the installment period?
    Flexible periods starting from 3 months up to 24 months. The installment months varies from one merchant to another
  • What is the interest rate for the installment program? What is the interest rate for the installment program?
    0% interest rate when using your credit card in selected participating merchants. And 1 % for non-participating merchants
  • Is there any interest-free period on my credit card transaction? Is there any interest-free period on my credit card transaction?

    The interest-free period may reach 45 days, depending on the date of transaction. There is no interest-free period on cash withdrawal transactions.

  • What is the minimum amount that can be installed? What is the minimum amount that can be installed?
    100 JD
  • How many transactions can be installed on a credit card simultaneously? How many transactions can be installed on a credit card simultaneously?
    A maximum of five transactions can be processed in parallel
  • How can I apply for a debit card? How can I apply for a debit card?
    Visit any of our branches, contact our call center apply through the Iskan Mobile app or fill the form Click Here
     
  • How can I apply for a credit card? How can I apply for a credit card?

     Visit any of our branches, contact our call center apply through the Iskan Mobile app or fill the form Click Here

  • Can I access the lounges using my credit card? Can I access the lounges using my credit card?
    Yes, holders of Housing Bank (infinite, infinite $, signature, platinum) credit cards can access airport lounges.
  • How can we benefit from the merchant discounts within the Iskan Gain Program? How can we benefit from the merchant discounts within the Iskan Gain Program?

    A discount will be provided through presenting and paying through bank card and asking for the discount at the shops participating in the service.

  • Can we combine the discount presented through the Iskan Gain Program with existing merchant discounts? Can we combine the discount presented through the Iskan Gain Program with existing merchant discounts?
    No, the discount are not merged and not valid sales and special offers
     
  • What is the monthly minimum payment on my credit card’s outstanding balance? What is the monthly minimum payment on my credit card’s outstanding balance?

    The minimum payment due depends on the selected payment instruction by the cardholder with a minimum amount of 25 JOD for standard/classic credit cards, and 50 JOD for platinum/signature/infinite/ credit cards, and the equivalent in US dollars for Infinite $ cards

  • What are the available payment instructions on credit cards? What are the available payment instructions on credit cards?

    Available payment instructions on credit cards are 5%, 25%, 50% or 100%.

  • When does my credit card statement get issued? When does my credit card statement get issued?

    Credit card statements are issued at end of each month.

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