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Islamic Credit Cards
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Al Salam Bank · Fully Islamic bank

Signature

Al Salam Rewards loyalty points on every banking transaction, plus 12 lounge visits a year

No annual feeVisaSignature
Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Rewards
Reward points

Read it from the source

What makes this card Islamic

The bank does not name the contract

We could not find Al Salam Bank stating which Shariah contract this card is built on. That is not the same as saying the card is non-compliant, but it does mean you cannot check the reasoning for yourself. Ask the bank which structure it uses, and for its Shariah board’s approval, before you apply.

Approved by Shari'a Supervisory Board, under the supervision of Central Bank of Bahrain.

What it costs

Every figure below comes from Al Salam Bank’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee
No annual fee'Issuing/Renewal Fee Free'.source
Profit rate
Not publishedNot expressed as a percentage. 'Monthly Service Fee BD450' and 'Maximum Service Fees - Annually BD5,400'.
Cash withdrawal
'4% of amount (min BD4.400 ...). Fees are subject to VAT'. The cash advance limit row is split between a '10% of Credit Limit' figure and a '50% of Credit Limit' figure in the Infinite column; which applies to Signature cannot be read unambiguously from the table, so it is not recorded.
Late payment
BD 5.50'Late Payment Penalty* BD5.500', footnoted '*Late Payment Penalty will be transferred to charity account'.
Foreign currency spend
2.71% on top of the exchange rate
Replacement card
BD 5.50

What you get back

  • Earn loyalty points on every banking transaction with Al Salam Rewards program

Other benefits

  • 12 complimentary airport lounge visits at more than 1,000 lounges worldwide; after the first free visit, a transaction of at least USD 1 (or equivalent) is required within 7 days prior to the next lounge visit
  • Contactless (NFC) payments and One-Time Password protection on online payments
  • Special hotel offers through visaluxuryhotels.com
  • Up to 12% discount on 985k+ hotels and vacation rentals via agoda.com/visamena
  • Speedpass YQ airport meet-and-assist
  • Up to 35% off Avis car rental worldwide
  • ENTERTAINER app 2-for-1 dining offers across MENA
  • Concierge and customer assistance
  • Free travel insurance including medical, personal and travel benefits
  • Purchase protection and extended warranty
  • Fraudulent card misuse protection up to USD 2,500 per occurrence with a USD 4,000 annual aggregate limit

Before you apply

  • Service Fee ceiling BD450 a month / BD5,400 a year on an outstanding balance
  • Lounge eligibility resets tightly: after the first free visit a qualifying USD 1 international transaction must be made within 7 days before each subsequent visit
  • Al Salam's own note: 'Lounge access process and requirements are renewed on yearly basis'
  • FX mark-up 2.71% on any transaction in a currency different from the card currency, including within-network transactions

Can you get it?

Other conditions
Not published on any retrievable page. Minimum payment is 5% of the outstanding balance. Al Salam also offers instalment plans of up to 24 months ('Buy Now, Pay Later') on its credit cards, with a BD5.500 payment plan cancellation fee.

Where these figures come from

Last checked against Al Salam Bank’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

  • “Monthly Service Fee BD90 BD450 BD2,500 (or equivalent based on card currency) — Bank's Schedule of Service Charges”
  • “Maximum Service Fees - Annually BD1,080 BD5,400 BD30,000 (or equivalent based on card currency) — Bank's Schedule of Service Charges”
  • “*Late Payment Penalty will be transferred to charity account — Bank's Schedule of Service Charges, footnote”
  • “The new Visa Signature contactless credit card surpasses your usual expectations and offers you unique experiences and services that will change the way you look at credit cards. — alsalambank.com/en/credit-cards/signature/”
  • “Complimentary 12 airport lounge access for cardholders at more than 1,000 lounges worldwide. (After the first free visit, cardholders must make a transaction of at least 1 US Dollar or equivalent in any other international currency 7 days prior to their next lounge visit to be eligible for the remaining visits). — alsalambank.com/en/credit-cards/signature/, Additional Benefits”
  • “Fraudulent card misuse protection up to $2,500 per occurrence with $4,000 annual aggregate limit. — alsalambank.com/en/credit-cards/signature/”
  • “Earn loyalty points on every banking transaction with Al Salam Rewards program. — alsalambank.com/en/credit-cards/signature/”
  • “Payment Plan Cancellation Fees BD5.500 — Bank's Schedule of Service Charges”

What we could not verify

Al Salam Bank does not publish shariah contract, monthly profit rate, annual profit rate, supplementary card fee, over-limit fee, minimum income, minimum age, maximum age, documents required, takaful cover, reward caps, terms and conditions, apply, apr for this card, so we have left those blank rather than guess. If you need one of them, ask the bank directly and hold them to the answer in writing.

Compare with other Bahraini Islamic cards

Bahrain Islamic Bank

Visa Signature

BisB Rewards points on every spend, plus 12 complimentary airport lounge visits a year

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown