Visa Hasanah Gold Credit Card

What makes this card Islamic

Prime Bank (Hasanah) 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, named explicitly: 'Prime Bank's Shariah based interest (riba) free Islamic credit card solution Visa Hasanah Gold Credit Card operating under the "Ujrah" concept.' True revolving credit card, priced on the Hasanah page of a Schedule of Charges that is deliberately separate from the conventional one.

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

What it costs

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

Annual fee

Tk 2,500Annual fee reversed/waived on 15 transactions (ATM excluded).source

Profit rate

Not publishedThe card charges no percentage profit rate; instead a flat 'Monthly Maintenance Fee' of BDT 2,500 (Gold) applies — Prime Bank's Ujrah charge on the card. The conventional effective-interest figures printed elsewhere in the same PDF must not be attributed to this card. A profit-free window of up to 45 days applies if the previous month's total outstanding is paid in full.

Cash withdrawal

'Cash Advance/Transfer Processing Fee' — Cash Advance row, BDT 1,000; shared across both Platinum and Gold, not tier-split. Instant cash advance up to 50% of the credit limit is published on the product page.

Late payment

Tk 1,000'Late Payment Fee' — Gold column, recovered by OCR.

Over limit

Tk 1,000

Replacement card

Tk 1,000

Takaful cover

Branded on this card's page as 'Takaful Triple Benefit Insurance'. On accidental death the nominee receives BDT 500,000.

What you get back

Other benefits

• Maximum credit limit BDT 700,000 unsecured, BDT 2,500,000 collateralised
• Instant cash advance up to 50% of the credit limit
• Annual fee waiver on 15 purchases
• 0% instalments over up to 36 months
• Takaful Triple Benefit Insurance

Before you apply

• DQ-4 RESOLVED (2026-09-20): the Hasanah fee table was published as an image with no text layer; re-fetched (via a headless-browser download, since a bare request hit a WAF challenge) and OCR'd this pass with tesseract 5.4.0, every figure cross-checked by direct visual read of the rasterized page.
• Do not accept a quoted 'effective interest rate' for this card; those figures belong to Prime Bank's conventional cards.
• The unsecured limit is BDT 700,000, materially below the Platinum's BDT 1,000,000.
• A 'Markup Fee' row and a separate FX footnote did not OCR consistently with each other (table cell read 3%, footnote states 5% for non-USD overseas transactions) — fees.fx_markup_pct left null rather than asserting either figure.
• 15% VAT plus annual excise duty per the NBR slab.

Can you get it?

Other conditions

No minimum income published; tenure requirement of 6 months salaried or 3 years self-employed, plus an E-TIN. Self-employed applicants accepted. Maximum credit limit BDT 700,000 unsecured, BDT 2,500,000 collateralised.

Where these figures come from

Last checked against Prime Bank (Hasanah)’s published documents on 2026-09-20. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

• “Get Set, Power your dreams & enliven your lifestyle with Prime Bank's Shariah based interest (riba) free Islamic credit card solution Visa Hasanah Gold Credit Card operating under the 'Ujrah' concept. — https://www.primebank.com.bd/islamic-card/credit-card/visa-hasanah-gold”
• “Particulars | Platinum | Gold ... Annual Fee (Basic) | BDT 5,000 | BDT 2,500 — Prime Bank Credit Card Schedule of Charges (Hasanah), page 2 of the Credit Card SoC PDF (effective 01 August 2026 to 31 December 2026), OCR'd (tesseract 5.4.0 eng, 600 DPI) and visually confirmed from the rasterized page, DQ-4 2026-09-20”
• “Monthly Maintenance Fee | BDT 3,500 | BDT 2,500 — same table”
• “Over Limit Fee | BDT 1,500 | BDT 1,000 — same table”
• “Late Payment Fee | BDT 1,000 | BDT 1,000 — same table”
• “Maximum credit limit of BDT 700,000 for unsecured loan and BDT 2,500,000 for collateralized loan. — Hasanah Gold product page”
• “Avail Takaful Triple Benefit Insurance as per following: … In case of accidental death, nominee will receive BDT 5 lac. — Hasanah Gold product page”
• “Turn your dream purchase into a reality with 0% interest at renowned shops, allowing you to conveniently pay in affordable monthly installments over a span of up to 36 months. — Hasanah Gold product page”

• Product page
• Schedule of charges
• Terms and conditions