EXIM Islamic Investment (Credit) Card — VISA Gold

What makes this card Islamic

EXIM Bank builds this card on a Murabahah contract. The bank buys the thing you want, then sells it to you at a stated cost plus a stated profit, payable later.

Bai-Murabaha, named explicitly by the bank: 'Exim Bank has started commercial operation of fully Shariah based Islamic Investment Card (Local, International & Dual Currency) under the principle of Bai-Murabaha. This is the first Islamic electronic product for any Islamic Bank in Bangladesh.' TRUE REVOLVING CREDIT CARD — the Schedule of Charges publishes a minimum amount due of 5% of the total outstanding, and prices a 25% yearly profit rate on the carried balance. Note the bank calls it an 'Investment Card' rather than a credit card, because Islamic banks in Bangladesh call financing 'investment'; the product itself is a credit card.

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

What it costs

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

Annual fee

Tk 2,000Tk. 2,000 for the local (BDT) card and USD 50 for the dual-currency card. A reduced 'Banker' rate of Tk. 1,000 / USD 25 applies to bank employees. VAT applies on top.source

Supplementary card

Tk 0First supplementary card is FREE. The second and onward are charged at 50% of the annual/renewal fee.source

Profit rate

25% a year'Profit Rate | Yearly 25% (Effective from 01.01.2025)' — a single flat rate across all tiers, published in the bank's Schedule of Charges for the Investment (Credit) Card. Profit is only charged if the current balance is not paid in full by the due date. Profit-markup-free period is 45 days for VISA Gold and VISA Platinum, 50 days for VISA Signature. Payment due date is 15 days from the statement date for Gold and Platinum, 20 days for Signature. Monthly rate is not published, so it is left null rather than derived by division.source

Cash withdrawal

2% or BDT 100, whichever is higher, on the local card; 3% or USD 15, whichever is higher, on the dual card. Revised fee applicable from 1 April 2024. Cash advance limit is 50% of the assigned investment limit.

Late payment

Tk 400Tk. 400 local / USD 10 dual.

Over limit

Tk 500

Replacement card

Tk 500

What you get back

• Great Discounts & Reward Points

Other benefits

• 45 days profit free period
• Airport Meet & Greet Service
• 24/7 Priority Service
• Dual currency facility in one card
• Free supplementary card
• VISA payWave contactless chip card
• Auto debit payment facility and e-statement service

Before you apply

• ISSUER HAS CHANGED — VERIFIED: EXIM Bank has been merged into SAMMILITO ISLAMI BANK PLC, a new state-owned bank scheduled by Bangladesh Bank with effect from 1 December 2025 under the Bank Resolution Ordinance 2025 (its site footer reads 'Merged Banks: FSIB , EXIM , SIBL , Union , GIB'). The card is still marketed under its legacy brand and the legacy website was live on 2026-08-17, but the issuing institution is now Sammilito Islami Bank PLC (sammilitobankbd.com). Confirm current terms with Sammilito before relying on any figure here.
• 25% per annum is charged on any balance not settled in full by the due date — and the due date is only 15 days after the statement date on Gold, which is short.
• The bank requires a Demand Promissory Note, Letter of Guarantee and Letter of Continuity — legally weighty security instruments for a consumer card.
• Cash advances cost 2% (min Tk. 100) locally and 3% (min USD 15) on the dual card, and are capped at 50% of the investment limit.
• No FX / foreign-transaction markup line appears in the Schedule of Charges — that is not proof none is applied.
• No minimum income or age limit is published, so eligibility cannot be self-assessed before applying.

Can you get it?

Other conditions

SELF-EMPLOYED APPLICANTS ARE EXPLICITLY ACCEPTED — the document list distinguishes 'If salaried, attested original salary certificate/ pay slip' from 'If self-employed, copy of trade license/ partnership deed/ Memorandum and Articles of Association'. No income floor or age band is published on the product page or in the Schedule of Charges. Note the security documentation required: a Demand Promissory Note, a Letter of Guarantee and a Letter of Continuity must all be signed, plus a Shariah Agreement — heavier paperwork than a Pakistani Islamic card.

What to have ready

• Recent passport size photograph (2 copies)
• Photocopy of TIN certificate
• Photocopy of Passport (first 7 pages) or National ID Card
• Bank statement for the last 06 months
• If salaried, attested original salary certificate / pay slip
• If self-employed, copy of trade license / partnership deed / Memorandum and Articles of Association
• Copy of any utility bill / any other card statement (if any)
• Shariah Agreement
• Demand Promissory Note (DP Note)
• Letter of Guarantee
• Letter of Continuity

Where these figures come from

Last checked against EXIM 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.

• “By the grace of Almighty Allah, Exim Bank has started commercial operation of fully Shariah based Islamic Investment Card (Local, International & Dual Currency) under the principle of Bai-Murabaha. This is the first Islamic electronic product for any Islamic Bank in Bangladesh. — https://www.eximbankbd.com/card/VISA_Islamic_Cards”
• “Minimum Amount Due | 5% of total outstanding amount or Tk. 500.00 or USD 60.00 whichever is higher. — Schedule of Charges for EXIM Investment (Credit) Card”
• “Profit Rate | Yearly 25% (Effective from 01.01.2025) — Schedule of Charges for EXIM Investment (Credit) Card”
• “Maximum Profit Markup-Free days available (In case of 100% payment of current balance on or before due date) | 45-50 days [45 Days for VISA Gold & VISA Platinum Card and 50 Days for VISA Signature Card] — Schedule of Charges”
• “Payment Due Date from statement date | 15-20 days [15 Days for VISA Gold & VISA Platinum Card and 20 Days for VISA Signature Card] — Schedule of Charges”
• “Cash Advance Limit | 50% of Assigned Investment Limit — Schedule of Charges”
• “Annual/Renewal Fees | Gold Local (BDT) 2000 | Gold Dual (USD) 50 — Schedule of Charges”
• “Supplementary Card (Annual Fee) | FREE — Schedule of Charges”
• “Annual/Renewal Fees(2nd Supply) | 50% of Annual/Renewal fee for 2nd supplementary and onward — Schedule of Charges”
• “Cash Advance Fee (Revised fee applicable from 01 April, 2024) | 2%/BDT 100 (Higher one) | 3%/$15 (Higher one) — Schedule of Charges”
• “If salaried, attested original salary certificate/ pay slip. / If self-employed, copy of trade license/ partnership deed/ Memorandum and Articles of Association. — https://www.eximbankbd.com/card/VISA_Islamic_Cards”
• “Charge Documents for all category (duly signed by client) — Demand Promissory Note (DP Note). / Letter of Guarantee. / Letter of Continuity. — https://www.eximbankbd.com/card/VISA_Islamic_Cards”

• Product page
• Schedule of charges