Khidmah Platinum 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.

Described by the bank as 'Shariah Compliant Card Based on "Ujrah Concept" (fixed fee based)'. True revolving credit card — the fee table prices a monthly maintenance fee on any outstanding balance over Tk. 100. No percentage profit rate is charged.

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 3,000Annual 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. A flat Monthly Maintenance Fee of Tk. 2,500 applies if the outstanding balance remains over Tk. 100. 'Charge Free' facility up to 45 days. Minimum monthly payment percentage not published.

Cash withdrawal

Tk. 170 per ATM/CRM cash withdrawal transaction. Cash withdrawal permitted up to 50% of the sanctioned limit.

Late payment

Tk 750

Over limit

Tk 750

Replacement card

Tk 600

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

• Yearly 1 Balaka Lounge visit free
• 'Buy 1 Get 1/2/3....free' buffet lunch/dinner at selected domestic five-star hotels, once a year
• Dual currency, globally usable
• Up to 3 supplementary cards, first one free
• Cash withdrawal up to 50% of the sanctioned limit
• 'Charge Free' facility up to 45 days

Before you apply

• The flat Tk. 2,500 monthly maintenance fee applies to ANY balance over Tk. 100 — on a Tk. 5,000 revolving balance that is a crushing effective cost.
• Minimum payment percentage is not published.
• The official Schedule of Charges PDF is a scanned image with no text layer; fee figures here come from the HTML product page.
• 15% VAT on all fees.
• No FX markup line is published.

Can you get it?

Minimum income

Tk 70,000 a monthsource

Age

21 to 65

Other conditions

Salaried person Tk. 70,000 monthly gross salary (3 months with current organisation); self-employed professional Tk. 70,000 monthly gross income (1 year); business person/other Tk. 100,000 monthly net income (1 year for an IBBPLC investment client, 2 years for other banks); deposit client Tk. 200,000 term/scheme deposit balance. Self-employed and business applicants explicitly accepted. Age 21-65; supplementary users minimum 18. Credit limit up to Tk. 300,000, sanctioned at 3x gross salary/income, 2x net income for business, or 100% of security. Not available to anyone holding more than 2 credit cards from other banks or financial institutions.

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 Platinum — Shariah Compliant Card Based on "Ujrah Concept" (fixed fee based). Global usage privilege. No risk is associated in buying. — https://www.islamibankbd.com/cards/khidmah-platinum”
• “Annual/ Renewal Fee | Tk. 3,000 — Khidmah Platinum fee table”
• “Monthly Maintenance Fee (if outstanding balance remains over Tk.100) | Tk. 2,500 — Khidmah Platinum fee table”
• “Late Payment Fee | Tk. 750 — Khidmah Platinum fee table”
• “Excess Limit Usage Fee | Tk. 750 — Khidmah Platinum fee table”
• “Card Replacement Fee | Tk. 600 — Khidmah Platinum fee table”
• “ATM/CRM Cash Withdrawal Fee (Per Transaction) | Tk. 170 — Khidmah Platinum fee table”
• “Yearly 1 Balaka Lounge visit free — Khidmah Platinum, Features & Facilities”
• “'Buy 1 Get 1/2/3....free' buffet lunch/dinner at selected domestic five-star hotels (1 time a year) — Khidmah Platinum, Features & Facilities”
• “Annual fee will be waived for minimum 18 POS/e-Com transactions or Tk.100,000/- POS/e-Com purchase yearly — Khidmah Platinum, Features & Facilities”
• “Khidmah Platinum — Credit limit up to Tk. 300,000/- — https://www.islamibankbd.com/cards”
• “Salaried Person | Monthly Gross Salary | 70,000/- | 3 Months with current organization. — Khidmah Platinum eligibility table”
• “Business person / Other | Monthly Net Income | 100,000/- | 1 year for IBBPLC investment client / 2 years for Other Banks — Khidmah Platinum eligibility table”

• Product page
• Schedule of charges