Bank Asia (Islamic) credit cards

Who Bank Asia (Islamic) are

An Islamic window: a Shariah-compliant division inside a conventional bank.

Bank Asia's Islamic window offers two dual-currency credit cards, the Platinum Islamic Card and the Gold Islamic Card, marketed on the same retail credit page as the conventional Visa and Mastercard range. They are TRUE REVOLVING CREDIT CARDS: the Schedule of Charges carries a dedicated 'Islamic Credit Card: Monthly A/C Maintenance Fee' block banded by OUTSTANDING BALANCE (BDT 400 at an outstanding of 0.1-25,000, up to BDT 15,000 at 850,001-1,000,000, with a parallel USD ladder), and the card terms permit partial settlement. THE PROBLEM, AND IT IS SERIOUS: that banded maintenance fee is the ONLY Islamic-specific line in the whole fee schedule. There is no Islamic column for annual fee, late payment, over-limit or replacement — those are priced by generic tier (Silver/Classic, Gold, Platinum/Titanium, Signature, World Elite) and the document never says which column an Islamic card falls into. Worse, the same schedule prints 'Interest Rate (Per Annum) | 25%' with no Islamic carve-out, and the only published card terms document is the generic 'Bank Asia Credit Card' T&C containing an interest/finance-charge clause. The network for both Islamic cards is not stated anywhere, unlike every other card on the page. Evidence it is nonetheless a distinct product: the Islamic-only pricing mechanism, and an Islamic-only usage restriction printed on the product page — 'Applicable only for Shariah based product purchase and Services'.