City Islamic Blue American Express Card

What makes this card Islamic

City Bank (City Islamic) builds this card on a Ujrah contract. The bank charges you a fixed fee for the service of giving you a card, rather than a charge that grows with the money you owe.

True revolving credit card on the same ujrah basis as the Gold card — minimum due BDT 500 or 3% of closing balance, whichever is higher, with a monthly maintenance fee scaled in BDT 10,000 units of dues instead of an interest rate. A separate Islamic SKU on City Bank's dedicated Islamic host, not a rebadge of the conventional Amex range.

Approved by City Bank Shariah Supervisory Committee, under the supervision of Bangladesh Bank.

What it costs

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

Annual fee

Tk 1,250First year BDT 1,250 for both secured and unsecured cards; BDT 2,500 from the second year onwards.source

Supplementary card

Tk 0First supplementary card free; BDT 1,250 for the second card onwards.source

Profit rate

Not publishedNo percentage rate. Actual Monthly Maintenance Fee of BDT 400 for the initial BDT 10,000 of dues plus BDT 175 for each further BDT 10,000 unit; a separate 'Fixed Monthly Maintenance Fee' of BDT 8,975 is also published, with no explanation of how the two interact.

Cash withdrawal

BDT 500 per withdrawal of up to BDT 10,000, USD 5 per withdrawal of up to USD 100. ATM withdrawal limit 50% of the credit limit.

Late payment

Tk 500

Over limit

Tk 750

Foreign currency spend

3% on top of the exchange rate

Replacement card

Tk 500

Takaful cover

Takaful Benefit (Double Benefit Insurance and Critical Care Insurance) at 0.40% of the total card statement balance per month. Not valid for accounts 2 months overdue.

What you get back

Other benefits

• Flexibuy programme — instalments up to 36 months at no additional cost at 4,000+ outlets
• Dual currency (BDT + USD) with a unified statement
• American Express acceptance
• Published Prohibited Merchant List for Shariah screening

Before you apply

• The annual fee doubles after year one, from BDT 1,250 to BDT 2,500, with no published spend waiver.
• No Priority Pass or MyRewards supermarket multiplier is documented at this tier — those are Gold features.
• Two monthly maintenance fees are published with no stated relationship between them.
• 3% markup on international transactions except USD; cash advances effectively cost 5%.

Can you get it?

Other conditions

Not published on the pages fetched. Sold in both secured and unsecured versions at the same annual fee.

Where these figures come from

Last checked against City Bank (City Islamic)’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.

• “1st Year Annual Fee (Secured and Unsecured Cards) | BDT 3,000 | BDT 1,250 — City Amex Islamic Credit Cards Fees & Charges, updated 1 June 2026 (Blue is the second column)”
• “2nd Year onwards Annual Fee (Secured and Unsecured Cards) | BDT 6,000 | BDT 2,500 — same PDF”
• “Fixed Monthly Maintenance Fee | BDT 17,750 | BDT 8,975 — same PDF”
• “Over Limit Charge | BDT 1,000 | BDT 750 — same PDF”
• “Card Replacement Fee | BDT 750 | BDT 500 — same PDF”
• “Cards — Credit Cards: City Islamic Gold American Express Card / City Islamic Blue American Express Card. Debit Card: City Islamic American Express Card — https://islamic.citybankplc.com/”

• Product page
• Schedule of charges