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Islamic Credit Cards
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Bahrain Islamic Bank · Fully Islamic bank

Visa Signature

BisB Rewards points on every spend, plus 12 complimentary airport 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 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 Black & Signature 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. The 2026 Fees & Charges schedule prices the Black & Signature tier at 'Card Maximum Service Fees – Annually BD6,000' and 'Monthly Maximum Service Fee BD500', waivable in whole or part 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

  • 12 complimentary airport lounge visits per calendar year across 1,300+ lounges in over 500 cities, unlocked by an international transaction of at least USD 1 within 90 days prior to travel, registered through the Visa Airport Companion App
  • 24/7 concierge service (dining, travel, gift sourcing, event bookings)
  • Visa Luxury Hotel Collection: 900+ properties
  • Purchase Protection against theft or accidental damage
  • Extended Warranty doubling the manufacturer's repair period for up to 1 year
  • Fraudulent Card Misuse Protection
  • 5 free supplementary cards

Before you apply

  • Service Fee ceiling is BD500 a month / BD6,000 a year on an outstanding balance; full settlement each month is free
  • Additional lounge visits beyond the 12 entitlement are charged directly to the card
  • FX mark-up 2.75% + VAT 10% (USD) and, as printed, '3%% + VAT 10%' (GCC and all other currencies)

Can you get it?

Age
21 and over
Other conditions
'BisB Visa Signature Credit Card is available for Bahrainis and Non-Bahrainis Age 21 and above at the time of application.' Maximum card limit for the Signature & Black tier is BD30,000 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.

  • “Black & Signature : BD 6,000 per annum | BD 500 per month — Credit Cards Terms and Conditions v4, 5a Card Service Fee”
  • “Card Maximum Service Fees – Annually ... Black & Signature BD6,000 — Fees & Charges Retail 2026 (EN), row 1”
  • “Monthly Maximum Service Fee ... Black & Signature BD500 — Fees & Charges Retail 2026 (EN), row 2”
  • “Late Payment Fee – Goes to Charity BD5 — Fees & Charges Retail 2026 (EN), row 7”
  • “Over Limit Fee – Goes to Charity BD5 — Fees & Charges Retail 2026 (EN), row 8”
  • “Signature & Black BD30,000 — Credit Cards Terms and Conditions v4, maximum card limits chart”
  • “BisB Visa Signature Credit Card is available for Bahrainis and Non-Bahrainis Age 21 and above at the time of application. — bisb.com/en/visa-signature, Eligibility”
  • “12 complimentary lounge visits per calendar year for Visa Signature cardholders. — bisb.com/en/visa-signature, Lounge Access Benefits”
  • “Additional visits beyond the entitlement will be charged directly to the cardholder's Visa card. — bisb.com/en/visa-signature”

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.

Compare with other Bahraini Islamic cards

Al Salam Bank

Signature

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

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

Full breakdown