Islami Bank has introduced different types of cards for their different categories of customers. Customers can collect these cards as per their convenience. And according to the variation of this card, card charges are also different and its benefits are also different.
Many people now use bank cards to transact money from anywhere with modern technology and security. In this post we will know the various credit cards of Islami Bank and what are the benefits of those cards. Along with this, this post also mentions how much this Islami bank credit card charges. Let’s take a look at the details.
Table of Contents
Islami Bank Credit Card Type
Islami bank offers 4 types of credit Card. Credit Card lists are given below –
- Khidmah Credit Card (Platinum)
- Khidmah Credit Card (Priority Platinum)
- Khidmah Credit Card (VISA Gold)
- Khidmah Card (Silver)
Khidmah Credit Card (Platinum)
Islami Bank Khidmah Credit Card (Platinum) Charges –
| Platinum | |
| Khidmah Credit Card (Platinum) Limit | 300,000/- Taka |
| Annual / Renewal Fee | 2,500/- Taka |
| Monthly Maintenance Fee (if outstanding balance is over Tk. 100) |
1,500/- Taka |
| Late payment fee | 750/- Taka |
| Excess Limit usage fee | 750/- Taka |
| Card Replacement Fee | 600/- Taka |
| Issuance fee | Free |
| ATM/CRM Cash Withdrawal Fee | Per transaction 170 Taka |
| SMS Charge | 200.00 Taka per year |
| Duplicate Statement Fee | 500/- Taka |
| Fund Transfer to IBBL A/C /Cellfin/ NPSB/VISA |
0.70% of the Transaction Amount |
| Transfer for Funding through eCom | 0.50% of Transaction amount |
| PIN Replacement Fee | 100/- Taka |
Khidmah Credit Card (Priority Platinum)
Islami Bank Khidmah Credit Card (Priority Platinum) Charges –
| Priority Platinum | |
| Priority Platinum Credit Limit | 500,000/- Taka |
| Annual/ Renewal Fee | 3,500/- Taka |
| Monthly Maintenance Fee (if outstanding balance is over 100 Tk) |
2,500/- Taka |
| Late payment fee | 750/- Taka |
| Excess Limit usage fee | 750/- Taka |
| Card Replacement Fee | 800/- Taka |
| Issuance fee | Free |
| ATM/CRM Cash Withdrawal Fee | 170.00 Taka per transaction |
| Annual SMS Charge | 200.00 Taka per year |
| Duplicate Statement Fee | 500/- Taka |
| Fund Transfer to IBBL A/C /Cellfin/VISA/ NPSB |
0.70% of Transaction Amount |
| Transfer for Funding through eCom | 0.50% of the Transaction amount |
| PIN Replacement Fee | 100/- Taka |
Khidmah Credit Card (VISA Gold)
Islami Bank Khidmah Credit Card (VISA Gold) Charges –
| Khidmah Credit Card (VISA Gold) | |
| Credit Limit | Card 1: 100,000/- Taka Card 2: 200,000/- Taka |
| Card Renewal Fee (annual) | 2,000 /- Taka |
| Monthly Maintenance Fee (if outstanding balance is over Tk. 100) |
1,000 /- Taka |
| Late payment fee | 500/- Taka |
| Excess Limit usage fee | 500/- Taka |
| Card Replacement Fee | 400/- Taka |
| Issuance fee | Free |
| ATM/CRM Cash Withdrawal Fee | 170.00 Taka per transaction |
| SMS Charge | 200.00 Taka per year |
| Duplicate Statement Fee | 500/- Taka |
| Fund Transfer to IBBL A/C /Cellfin/ NPSB/VISA |
0.70% of Transaction Amount |
| Transfer for Funding through eCom | 0.50% of the Transaction amount |
| PIN Replacement Fee | 100/- Taka |
Khidmah Card (Silver)
Islami Bank Khidmah Credit Card (Silver) Charges –
| Khidmah Card (Silver) | |
| Credit Limit | 30,000/- Taka to 1,00,000/- Taka |
| Card Renewal Fee (annual) | 1,500/- Taka |
| Monthly Maintenance Fee (if outstanding balance is over Tk. 100) |
500/- Taka |
| Late payment fee | 500/- Taka |
| Excess Limit usage fee | 500/- Taka |
| Card Replacement Fee | 300/- Taka |
| Issuance fee | Free |
| CRM/ATM Cash Withdrawal Fee | 170.00 Taka per transaction |
| Annual SMS Charge | 200.00 Taka per year |
| Duplicate Statement Fee | 500/- Taka |
| Fund Transfer to IBBL A/C /Cellfin/VISA/ NPSB |
0.70% of Transaction Amount |
| Transfer for Funding through eCom | 0.50% of the Transaction amount |
| PIN Replacement Fee | 100/- Taka |
Islami Bank Credit Card Features
IBBL Credit card Features are given below –
- A Shariah Compliant Card, that based on ‘Ujrah Concept’ (fixed fee based concept).
- Worldwide usage privilege.
- No risk is associated in buying.
- Payment of gas bill electricity bill and WASA bill.
- Exclusive Shopping and Travel Discounts within VISA global offering.
- Hotel & Hospital booking
- Bus, Train and Airplane Ticket Booking.
- Exclusive discount on the purchase of Super shop.
- Lowest charge.
- First Supplementary Card Free.
- Card Cheque Facility.
- Advance Salary Facility.
Read More - BRAC Bank Credit Card Details
Eligibility for Islami Bank Credit Card
The bank basically decides, whether a person can take a credit card or not. It is determined by checking and considering the person’s documents, salary and some related matters. Although the terms and conditions for credit cards differ from bank to bank, some rules are the same everywhere. Let’s take a look at some of these rules.
- If you want to take the card, you must have an account in Islami Bank .
- Must be a citizen of Bangladesh.
- You must have a certain amount of money in your account.
- Based on your monthly salary, which type of card you get is determined
- Employees should have a minimum monthly income of 25 thousand.
- And traders should have minimum monthly income of 50 thousand.
- You must have some necessary documents related to your profession.
- The signature of several guarantors may be required on behalf of the applicant as per the requirement of the bank.
- The applicant must pass the verifications by the bank.
Also different banks may require different documents.
Benefits of Islami Bank Credit Card
The benefits of Islami Bank Credit Card are given below-
- You can make purchases from any online and offline shopping platform in the whole world.
- This card offers various discounts, gifts, cashback on online/offline purchases.
- Also, various amount discounts are available on purchase of bus, train and airplane tickets.
- Salary money can be used in advance through this card.
- Using this card, you can make financial transactions anytime in all countries of the world including Bangladesh. Because the card has dual currency facility.
- i-banking can be used in bill payment field of Islami Bank Credit Card.
- This bank’s credit card charges are lower than other bank credit cards
Read More - Nagad Account Check Process
Required documents for Islami bank credit card
Some documents have to be provided to get credit card from Islami Bank. Many people do not know what documents are required.
If you want to take credit card from Islami Bank, then first you need to have an account in Islami Bank. Otherwise you cannot get credit card from Islami Bank. Following documents are to be submitted for Islami Bank Credit Card:
- 4 copy passport size color photographs taken recently.
- Bank account information.
- Copy of national identity card (NID) or passport must be provided.
- Proof of monthly income should be provided. If you are an employee, you must provide employment information and a certificate from the official of the organization where you are working. If you are a Businessman, then copy of trade license must be provided.
- Educational qualification certificate (if applicable).
- Transactions of last six months to 12 months should be provided in the Bank statement.
- If the credit card applicant is a freelancer, proper proof must be provided.
- The credit card application form must be filled correctly.
- E-TIN Certificate
- Copy of nominee’s photograph and NID card.
- Copy of gas bill or electricity bill
- Latest original salary certificate with seal & signature by the concerned authority.
- Visiting card (if available).
After submitting these documents or papers, you will get to know whether your credit card has arrived at the branch through an SMS on your mobile number within 7 days to 45 days.
Last Word
Islami Bank offers different types of card facilities for different categories of customers. The customer can purchase the card as per his choice and convenience. However, in the case of taking a Islami Bank credit card, the eligibility and necessary documents of the customer will be seen. If you have any questions about this article, then please comment us.
