City Islamic Gold 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 — the bank's own fee sheet publishes 'Minimum Due for Monthly Repayment | BDT 500 or 3% (whichever is higher)' with the footnote 'On closing balance'. The carrying cost is an ujrah-style MONTHLY MAINTENANCE FEE scaled in BDT 10,000 units of dues rather than a percentage rate: 'BDT 400 for the initial BDT 10,000 due and BDT 175 for the next each BDT 10,000 unit dues'. A SEPARATE PRODUCT, NOT A CONVENTIONAL REBADGE: City Islamic runs on its own host (islamic.citybankplc.com) with its own product tree and its own dedicated fee sheet ('City Amex Islamic Credit Cards'), the Islamic cards are distinct SKUs priced differently from the conventional Amex range, and the flat maintenance fee replaces the interest rate entirely. The bank also publishes a downloadable 'Prohibited Merchant List' for this card — a Shariah-screening artefact specific to the Islamic product. NOTE ON NAMING: the brand is 'City Islamic'. No 'City Manarah' branding was found on any page fetched.

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 3,000First-year annual fee BDT 3,000 for both secured and unsecured cards; BDT 6,000 from the second year onwards. 15% VAT applies where applicable.source

Supplementary card

Tk 0First supplementary card free; BDT 3,000 for the second card onwards.source

Profit rate

Not publishedNO PERCENTAGE PROFIT RATE. Two monthly maintenance fees are published side by side: an '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 of dues (footnote: 'Based on actual card dues in any particular month'), and a 'Fixed Monthly Maintenance Fee' of BDT 17,750. The relationship between the two — whether the fixed figure is a cap, an alternative election, or the default — is NOT explained in the fee sheet and could not be established.

Cash withdrawal

BDT 500 for every withdrawal of up to BDT 10,000, and USD 5 for every withdrawal of up to USD 100. ATM withdrawal limit is 50% of the credit limit.

Late payment

Tk 500

Over limit

Tk 1,000

Foreign currency spend

3% on top of the exchange rate

Replacement card

Tk 750

Takaful cover

Takaful Benefit (Double Benefit Insurance and Critical Care Insurance) at 0.40% of the total card statement balance per month, branded 'City Shield Coverage'. Double Benefit Insurance pays off the full outstanding balance on death or permanent total disability and pays an equal amount to the nominee, capped at BDT 2,000,000 or twice the outstanding, whichever is lower. Not valid for card accounts 2 months overdue.

What you get back

• Earn 1 MyRewards point for every Tk. 50 / USD 1 spent on all purchase transactions
• Earn 10 MyRewards points for every BDT 50 spent at leading supermarkets across the country, applicable on the first and last weekend (Friday, Saturday) of every month
• Points can be redeemed to pay outstanding card bills or card-related fees, or for vouchers

Other benefits

• Complimentary Priority Pass membership with 3 complimentary visits for the primary cardmember, across 1,700+ Priority Pass lounges worldwide
• Flexibuy programme — instalments spread up to 36 months at no additional cost at more than 4,000 outlets
• Dual currency (BDT + USD) with a unified statement
• American Express network — the only Islamic card on Amex found in either country
• A published Prohibited Merchant List for Shariah screening

Before you apply

• The annual fee DOUBLES after year one, from BDT 3,000 to BDT 6,000, and no spend-based waiver is published.
• Two different monthly maintenance fees are published (an 'Actual' scaled fee and a 'Fixed' BDT 17,750 fee) with no explanation of which applies when. Ask before signing.
• Priority Pass gives only 3 complimentary visits, after which the regular lounge fee applies, and it can only be used at FOREIGN airport lounges.
• 3% markup on international transactions except USD.
• Cash advances cost BDT 500 per BDT 10,000 withdrawn — 5% — and are capped at 50% of the credit limit.
• Card cheques cost BDT 1,000 for every BDT 50,000.

Can you get it?

Other conditions

Not published on the pages fetched. Both secured and unsecured versions are sold — the fee sheet prices the annual fee identically for each.

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.

• “Minimum Due for Monthly Repayment | BDT 500 or 3% (whichever is higher) — City Amex Islamic Credit Cards Fees & Charges, updated 1 June 2026 (footnote: 'On closing balance.')”
• “Actual Monthly Maintenance Fee | BDT 400 for the initial BDT 10,000 due and BDT 175 for the next each BDT 10,000 unit dues — same PDF (footnote: 'Based on actual card dues in any particular month.')”
• “Fixed Monthly Maintenance Fee | BDT 17,750 | BDT 8,975 — same PDF”
• “1st Year Annual Fee (Secured and Unsecured Cards) | BDT 3,000 | BDT 1,250 ; 2nd Year onwards Annual Fee | BDT 6,000 | BDT 2,500 — same PDF”
• “ATM Withdrawal Limit | 50% of Credit Limit — same PDF”
• “Cash Advance Fee (Per Transaction) | BDT 500 for every withdrawal of up to BDT 10,000 & USD 5 for every withdrawal of up to USD 100 — same PDF”
• “Takaful Benefit (Double Benefit Insurance and Critical Care Insurance) | 0.40% — same PDF”
• “Islamic Gold Card - Earn 1 MyRewards point for every Tk. 50/USD 1 spent on all purchase transactions and 10 MyRewards points for every BDT 50 spends at leading supermarkets across the country applicable on the first and last weekend (Friday, Saturday) of every month. — https://islamic.citybankplc.com/cards/the-city-islamic-gold-american-express-card”
• “Complimentary Priority Pass membership with 3 complimentary visits for Primary cardmember only while accessing over 1700 Priority Pass airport lounges worldwide. ... Note: Priority pass can only be used at foreign airport lounges. — same page”
• “Prohibited Merchant List — Click here to download — same page”

• Product page
• Schedule of charges