Khidmah Gold Card

What makes this card Islamic

Islami Bank Bangladesh 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.

The bank describes the card verbatim as 'A Shariah Compliant Card Based on "Ujrah Concept" (fixed fee based concept)'. This is a TRUE REVOLVING CREDIT CARD, not a charge card — the fee table prices a 'Monthly Maintenance Fee (if outstanding balance remains over Tk.100)', which expressly contemplates a balance being carried from month to month. Critically, IBBL charges NO percentage profit rate at all: the cost of carrying a balance is a FLAT monthly fee (ujrah) in taka, not a rate applied to the outstanding amount. This is the purest ujrah implementation found in either Pakistan or Bangladesh and is structurally different from EXIM Bank (25% p.a. Bai-Murabaha) and Social Islami Bank (2% per month).

Approved by Shari'ah Supervisory Committee of Islami Bank Bangladesh PLC, under the supervision of Bangladesh Bank.

What it costs

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

Annual fee

Tk 1,500Annual fee will be waived for a minimum of 18 POS/e-commerce transactions, or Tk. 100,000 of POS/e-commerce purchases, yearly.source

Profit rate

Not publishedNO PERCENTAGE PROFIT RATE IS CHARGED OR PUBLISHED. Under the ujrah model the carrying cost is a flat 'Monthly Maintenance Fee (if outstanding balance remains over Tk.100)' of Tk. 1,000 (Gold 1) or Tk. 1,500 (Gold 2). Because the fee is flat rather than proportional, the EFFECTIVE cost of credit falls as the balance rises and is punitive on small balances — see watch_outs. A 'Charge Free' facility of up to 45 days applies. The minimum monthly payment percentage is NOT published by the bank on any page fetched.

Cash withdrawal

Tk. 200 per ATM/CRM cash withdrawal transaction. Cash withdrawal is permitted up to 50% of the sanctioned limit.

Late payment

Tk 500

Over limit

Tk 500

Replacement card

Tk 300

What you get back

• Attractive discounts at 1,000+ brand outlets
• Attractive cashback on various occasions
• Up to 36 months 0% EMI facility at 250+ brand merchants

Other benefits

• Dual currency (BDT and USD), globally usable
• Available on Visa, Mastercard or UnionPay International
• Up to 3 supplementary cards, first one free
• Cash withdrawal up to 50% of the sanctioned limit
• 'Charge Free' facility up to 45 days
• Bills payable through Cellfin, mCash, internet banking, CRM and any branch or sub-branch

Before you apply

• THE FLAT FEE IS THE TRAP. The Tk. 1,000-1,500 monthly maintenance fee applies to ANY outstanding balance above Tk. 100. Carrying a small balance is therefore extremely expensive in effective terms, while carrying a large one is comparatively cheap. This is the inverse of a percentage profit rate and is easy to misread.
• No minimum-payment percentage is published anywhere on the bank's site, so a borrower cannot work out their obligation before applying.
• The bank's official Schedule of Charges (Annexure-D, Digital Banking) is published as a SCANNED IMAGE with no text layer, so the fee figures here come from the HTML product pages rather than the regulatory fee document.
• You cannot hold this card if you already have more than 2 credit cards from other banks or financial institutions.
• 15% VAT is applied on top of every fee and charge.
• No foreign-transaction / FX markup line is published; this is not proof that none is charged.

Can you get it?

Minimum income

Tk 20,000 a monthsource

Age

21 to 65

Other conditions

Income requirement varies by applicant type: salaried person Tk. 20,000 monthly gross salary (3 months with current organisation); self-employed professional Tk. 30,000 monthly gross income (1 year); business person/other Tk. 50,000 monthly net income (1 year if an IBBPLC investment client, 2 years if with other banks); deposit client Tk. 50,000 term/scheme deposit balance. SELF-EMPLOYED AND BUSINESS APPLICANTS ARE EXPLICITLY ACCEPTED. Age 21 to 65 for the card applicant, minimum 18 for supplementary users. Credit limit up to Tk. 200,000, sanctioned as 3x gross salary (salaried), 3x gross income (self-employed/professional), 2x net income (business), or 100% of the security amount (deposit-secured). NOTABLE RESTRICTION: 'Person having more than 2 credit cards from other Banks/FIs is not eligible to avail IBBL Khidmah Card.'

Where these figures come from

Last checked against Islami Bank Bangladesh’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.

• “Khidmah Gold — A Shariah Compliant Card Based on "Ujrah Concept" (fixed fee based concept). Global usage privilege. No risk is associated in buying. Payment of gas, electricity and WASA bill — https://www.islamibankbd.com/cards/khidmah-gold”
• “Monthly Maintenance Fee (if outstanding balance remains over Tk.100) | Gold 1: Tk. 1,000 Gold 2: Tk.1,500 — Khidmah Gold fee table”
• “Annual/Renewal Fee | Gold 1: Tk.1,500 Gold 2: Tk. 2,000 — Khidmah Gold fee table”
• “Issuance Fee | Free — Khidmah Gold fee table”
• “Late Payment Fee | Tk. 500 — Khidmah Gold fee table”
• “Excess Limit Usage Fee | Tk. 500 — Khidmah Gold fee table”
• “Card Replacement Fee | Gold 1: Tk. 300 Gold 2: Tk. 400 — Khidmah Gold fee table”
• “ATM/CRM Cash Withdrawal Charge (Per Transaction) | Tk. 200 — Khidmah Gold fee table”
• “N.B. 15% VAT will be applicable for all types of Fees & Charges — Khidmah Gold fee table”
• “Annual fee will be waived for minimum 18 POS/e-Com transactions or Tk.100,000/- POS/e-Com purchase yearly — Khidmah Gold, Features & Facilities”
• “'Charge Free' facility up to 45 days — Khidmah Gold, Features & Facilities”
• “Cash withdrawal upto 50% of sanctioned limit — Khidmah Gold, Features & Facilities”
• “Upto 3 supplementary cards, first one free — Khidmah Gold, Features & Facilities”
• “Available Brand — VISA / Mastercard / UnionPay International — Khidmah Gold product page”
• “Salaried Person | Monthly Gross Salary | 20,000/- | 3 Months with current organization. — Khidmah Gold eligibility table”
• “Self Employed Professional | Monthly Gross Income | 30,000/- | 1 Year — Khidmah Gold eligibility table”
• “Business person / Other | Monthly Net Income | 50,000/- | 1 year for IBBPLC investment Client, 2 Years for Other Banks — Khidmah Gold eligibility table”
• “Age limit : 21 to 65 years for Card Applicant. Minimum 18 years for supplementary users — Khidmah Gold eligibility table”
• “*Person having more than 2 credit cards from other Banks/FIs is not eligible to avail IBBL Khidmah Card. — Khidmah Gold eligibility table”

• Product page
• Schedule of charges