EXIM Islamic Investment (Credit) Card — VISA Platinum

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, as named by the bank for the whole Islamic Investment Card range. True revolving credit card: minimum amount due is 5% of the total outstanding.

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 5,000Tk. 5,000 local / USD 75 dual. Banker rate Tk. 2,500 / USD 37.5.source

Supplementary card

Tk 0First supplementary card free; second and onward at 50% of the annual/renewal fee.

Profit rate

25% a yearYearly 25%, effective 1 January 2025 — the same flat rate across all EXIM tiers. 45 days profit-markup-free if the current balance is paid in full on or before the due date, which falls 15 days after the statement date.source

Cash withdrawal

2% or BDT 100 whichever is higher (local); 3% or USD 15 whichever is higher (dual). Cash advance limit 50% of the assigned investment limit.

Late payment

Tk 500Tk. 500 local / USD 15 dual.

Over limit

Tk 700

Replacement card

Tk 750

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

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.
• The due date is only 15 days after the statement date on this tier — the same as Gold, and shorter than Signature's 20 days.
• 25% p.a. on any balance carried past the due date.
• Heavy security documentation (DP Note, Letter of Guarantee, Letter of Continuity).
• No FX markup line published.

Can you get it?

Other conditions

Self-employed applicants explicitly accepted (trade licence / partnership deed / MoA in place of a salary certificate). No published income floor or age band. Demand Promissory Note, Letter of Guarantee, Letter of Continuity and a Shariah Agreement are all required.

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
• 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.

• “Annual/Renewal Fees | Platinum Local (BDT) 5000 | Platinum Dual (USD) 75 — Schedule of Charges for EXIM Investment (Credit) Card”
• “Annual/Renewal Fees (Banker) | Platinum Local 2500 | Platinum Dual 37.5 — Schedule of Charges”
• “Late Payment | Platinum Local 500 | Platinum Dual 15 — Schedule of Charges”
• “Excess Limit | Platinum Local 700 | Platinum Dual 20 — Schedule of Charges”
• “Card Replacement Fee | Platinum Local 750 | Platinum Dual 25 — Schedule of Charges”
• “Profit Rate | Yearly 25% (Effective from 01.01.2025) — Schedule of Charges”
• “Minimum Amount Due | 5% of total outstanding amount or Tk. 500.00 or USD 60.00 whichever is higher. — Schedule of Charges”

• Product page
• Schedule of charges