Khidmah Mastercard World

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.

Ujrah (fixed fee) model, consistent with the rest of the Khidmah range. True revolving credit card — a monthly maintenance fee is charged whenever the outstanding balance remains over Tk. 100. No percentage profit rate.

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 7,00015% VAT applies on top.source

Profit rate

Not publishedNo percentage profit rate. Flat Monthly Maintenance Fee of Tk. 5,200 if the outstanding balance remains over Tk. 100 — the highest flat carrying fee in the Khidmah range. Minimum monthly payment percentage not published.

Cash withdrawal

Tk. 200 per ATM/CRM cash withdrawal transaction.

Late payment

Tk 1,000Listed as 'Account Service Fee/Late Payment Fee'.

Over limit

Tk 1,000

Replacement card

Tk 1,000

What you get back

Other benefits

• Globally usable, dual currency
• Minimum limit Tk. 200,000 / maximum limit Tk. 500,000 or USD equivalent

Before you apply

• The Tk. 5,200 flat monthly maintenance fee is the highest in the range and applies to any balance over Tk. 100.
• The Tk. 7,000 annual fee has no published spend-based waiver, unlike Khidmah Gold and Platinum.
• Income eligibility for this specific tier is not published.
• The official Schedule of Charges PDF is a scanned image with no text layer.

Can you get it?

Age

21 to 65

Other conditions

Credit limit range is published as a minimum of Tk. 200,000 and a maximum of Tk. 500,000 (or USD equivalent) — this card has a LIMIT FLOOR, not just a ceiling. Age limits are taken from the Khidmah range's common eligibility terms (21-65, supplementary minimum 18); the income requirement specific to the World card was not published on the pages fetched.

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.

• “Annual/Renewal Fee | Tk. 7,000 — Khidmah Mastercard World fee table”
• “Monthly Maintenance Fee (if outstanding balance remains over Tk.100) | Tk. 5,200 — Khidmah Mastercard World fee table”
• “Account Service Fee/Late Payment Fee | Tk. 1,000 — Khidmah Mastercard World fee table”
• “Excess Limit Charge | Tk. 1,000 — Khidmah Mastercard World fee table”
• “Card Replacement Fee | Tk. 1,000 — Khidmah Mastercard World fee table”
• “ATM/CRM Cash Withdrawal Charge (Per Transaction) | Tk. 200 — Khidmah Mastercard World fee table”
• “Minimum Limit | Tk. 2,00,000/Equivalent USD | Maximum Limit | Tk. 5,00,000/Equivalent USD — https://www.islamibankbd.com/cards/khidmah-mastercard-world”
• “Globally Usable / Dual Currencies — https://www.islamibankbd.com/cards/khidmah-mastercard-world”

• Product page
• Schedule of charges