Al-Arafah Islami Bank Islamic credit cards

Who Al-Arafah Islami Bank are

A fully Islamic bank — every product it offers is Shariah-compliant.

Given clearance to operate on Islamic banking principles in 1996, per Bangladesh Bank; 226 branches in May 2026, the second-largest Bangladeshi Islamic bank by branch count. Its La-Riba Islamic Credit Card is the ONLY card in either country built on a REVOLVING QARD structure, and the bank says so plainly: 'It is a revolving Quard facility based card only for purchasing Shariah allowed products and services.' The return is taken entirely as fixed monthly money amounts — a Tk. 570 Monthly Maintenance Fee plus a tier Service Charge — never as a percentage. The Platinum tier is subdivided into 24 sub-tiers (Platinum, then Platinum 1+ through Platinum 23+) whose total monthly charge climbs from Tk. 1,970 to Tk. 24,970; this ladder is how the bank scales its return with facility size while keeping every charge a fixed sum. It publishes the most detailed self-employed and professional eligibility documentation of any bank in this dataset, with distinct tracks for proprietorships, partnerships, limited companies, doctors, lawyers, engineers, consultants and landlords. DOMAIN WARNING: the live site is aibl.com.bd. The widely-cited al-arafahbank.com resolves to 103.43.55.100 but times out over both HTTPS and HTTP, and al-arafahbank.com.bd is NXDOMAIN; the old domain survives only for the careers subdomain.