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Islamic Credit Cards
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Bahrain Islamic Bank · Fully Islamic bank

Titanium Mastercard

BisB Rewards points plus 8 Mastercard lounge visits a year

No annual feeMastercardother
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 Bahrain Islamic 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 BisB Shari'a Supervisory Board, under the supervision of Central Bank of Bahrain.

What it costs

Every figure below comes from Bahrain Islamic 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'Primary Annual Membership/ Subscription Fee* ... Free' for the Titanium/CashBack column.source
Supplementary card
BD 0'Supplementary Annual Membership/ Subscription Fee* ... Free'. 5 free supplementary cards per the product page.source
Profit rate
Not publishedNot expressed as a percentage. Titanium/CashBack tier: 'Card Maximum Service Fees – Annually BD2,040' and 'Monthly Maximum Service Fee BD170', waivable at the Bank's discretion based on repayment behaviour.
Cash withdrawal
'4.4% (Subject to a Min. of BD4.4)'.
Late payment
BD 5'Late Payment Fee – Goes to Charity'.
Over limit
BD 5
Foreign currency spend
2.75% on top of the exchange rate
Replacement card
BD 5.50
Takaful cover
Covered under BisB's group Takaful Policy per the fee schedule footnote; no premium published.

What you get back

  • BisB Rewards enables you to earn and exchange points with an array of benefits for every spend
  • Points exchangeable for travel, cashback, products and partner programmes including Shukran, Gulf Air, Etihad and Al Fursan

Other benefits

  • 8 airport lounge visits per calendar year via the Mastercard Travel Pass app; one complimentary visit on first-time enrolment or at the start of the calendar year, with further access unlocked in 3-month blocks by a minimum USD 1 international transaction
  • 5 free supplementary cards
  • eStatement service

Before you apply

  • Lounge access expires: each USD 1 international transaction buys only 3 months of access, and unused visits do not carry over to the following year
  • After the complimentary visit(s), further visits without meeting the spend condition are charged at USD 32 per person
  • Only international transactions qualify to unlock lounge access — local spend does not count
  • Service Fee ceiling BD170 a month / BD2,040 a year on an outstanding balance

Can you get it?

Age
21 and over
Other conditions
'BisB Titanium Mastercard Credit Card is available for Bahrainis and Non-Bahrainis Age 21 and above at the time of application.' Maximum card limit BD10,000 per the 2022 T&C. No minimum salary published.

What to have ready

  • 2 valid identification documents
  • Latest 3 months Pay Slip
  • Latest 3 months Bank Statement
  • Latest Salary Certificate
  • Residence Permits (Non-Bahraini individuals)

Where these figures come from

Last checked against Bahrain Islamic 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.

  • “Titanium : BD 2,040 per annum | BD 170 per month — Credit Cards Terms and Conditions v4, 5a Card Service Fee”
  • “Card Maximum Service Fees – Annually ... Titanium/CashBack BD2,040 — Fees & Charges Retail 2026 (EN), row 1”
  • “Titanium BD10,000 — Credit Cards Terms and Conditions v4, maximum card limits chart”
  • “BisB Titanium Mastercard Credit Card is available for Bahrainis and Non-Bahrainis Age 21 and above at the time of application. — bisb.com/en/titanium-mastercard, Eligibility”
  • “Titanium: 8 airport lounge visits per calendar year — bisb.com/en/titanium-mastercard, Annual Visit Limits”
  • “After using the complimentary visit(s), further visits require meeting the spend condition or will be charged at $32 per person. — bisb.com/en/titanium-mastercard, Terms & Conditions”

What we could not verify

Bahrain Islamic Bank does not publish shariah contract, monthly profit rate, annual profit rate, minimum income, maximum age, reward caps, 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.