Visa Hasanah Platinum 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 by the bank: 'Prime Bank's Shariah based interest (riba) free Islamic credit card solution Visa Hasanah Platinum Credit Card operating under the "Ujrah" concept.' TRUE REVOLVING CREDIT CARD — the bank publishes a grace period conditional on full settlement ('applicable for maximum 45 days if previous month's total outstanding is paid fully…') and insures '50% of last month's outstanding', which only makes sense if a balance persists month to month. A SEPARATE PRODUCT, NOT A REBADGE: the Credit Card Schedule of Charges PDF contains two distinct tables, page 1 headed 'Prime Bank Credit Card Schedule of Charges (Conventional)' and page 2 'Prime Bank Credit Card Schedule of Charges (Hasanah)', and the site keeps the ranges on separate URL trees under separate nav sections.

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 5,000'Annual Fee will be reversed/waived based on 15 transactions (ATM excluded).' Confirmed verbatim from the readable Hasanah footnote, and echoed on the product page as 'Annual fee waiver on 15 purchases'.source

Supplementary card

Tk 0'Free supplementary credit card (First 2)' per the product page. Fee for the third onwards not readable — the OCR'd table has no supplementary-card row.

Profit rate

Not publishedThe card charges no percentage profit rate; instead a flat 'Monthly Maintenance Fee' of BDT 3,500 (Platinum) applies — this is Prime Bank's Ujrah charge on the card. The conventional page of the same PDF states 'Effective interest rate may vary from 17.91% to 21.20%… & 16.43% to 19.57%' — THOSE ARE CONVENTIONAL-CARD FIGURES AND MUST NOT BE ATTRIBUTED TO THE HASANAH CARDS. What is also established: a profit-free window of a maximum of 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; this row is a single shared figure across both Platinum and Gold, not tier-split, per the rasterized table. 'Instant cash advance up to 50% of credit limit' is published on the product page.

Late payment

Tk 1,000'Late Payment Fee' — Platinum column, recovered by OCR (see annual_fee.note).

Over limit

Tk 1,500

Replacement card

Tk 1,000

Takaful cover

Triple Benefit Insurance. On death or permanent total disability the entire dues as at that date are waived and the cardholder or nominee receives an equal amount; on critical illness the cardholder receives 50% of last month's outstanding, capped at BDT 1,000,000; on accidental death the nominee receives BDT 1,000,000. Maximum coverage will not exceed BDT 4,000,000 in any case. NOTE: the Gold card's page brands this cover 'Takaful Triple Benefit Insurance'; the Platinum page calls it 'Triple Benefit Insurance' without the takaful label.

What you get back

Other benefits

• Maximum credit limit of BDT 1,000,000 unsecured and BDT 2,500,000 collateralised
• First two supplementary credit cards free
• Instant cash advance up to 50% of the credit limit
• Annual fee waiver on 15 purchases (ATM transactions excluded)
• 0% instalments over up to 36 months at renowned shops
• Fund transfer to any account through MyPrime internet banking
• Complimentary first cheque book

Before you apply

• DQ-4 RESOLVED (2026-09-20): the Hasanah fee table was image-rendered with no text layer; four independent extractors (PyMuPDF, pdfplumber, pypdf, direct fitz) returned nothing but footnotes at the time. 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 let a comparison site quote you the conventional 17.91%-21.20% effective interest rate for this card — that figure is printed on the CONVENTIONAL page of the same document.
• The 45-day profit-free window applies only if the previous month's total outstanding was paid in full.
• The Platinum page drops the word 'Takaful' from the insurance description that the Gold page uses — worth confirming the cover is takaful-based.
• A 'Markup Fee' row exists on the OCR'd table with a superscript footnote reference, and a separate footnote states overseas non-USD transactions carry a 5% 'Markup Rate' — the table cell and the footnote did not OCR consistently with each other (read as 3% in the cell vs 5% in the footnote), so fees.fx_markup_pct is left null rather than asserting either figure. Worth a direct human read to settle.
• 15% VAT applies, and excise duty is realised annually per the NBR prescribed slab.

Can you get it?

Other conditions

No minimum income is published. The pages state only a tenure requirement — 6 months for salaried applicants, 3 years for self-employed — plus an E-TIN, which confirms self-employed applicants are accepted. Maximum credit limit BDT 1,000,000 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, Explore- the world of privileges & enliven your lifestyle whether at home or abroad with Prime Bank's Shariah based interest (riba) free Islamic credit card solution Visa Hasanah Platinum Credit Card operating under the 'Ujrah' concept. — https://www.primebank.com.bd/islamic-card/credit-card/visa-hasanah-platinum-card”
• “…transaction is applicable for maximum 45 days if previous month's total outstanding is paid fully wit[h] — Prime Bank Hasanah Credit Card FAQ, March 2026, p.20 (sentence truncated by the PDF's image rendering, not by the researcher)”
• “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”
• “Cash Advance/Transfer Processing Fee — Cash Advance BDT 1,000 | Card Cheque BDT 1,000 | Fund Transfer BDT 500 (shared, not tier-split) — same table”
• “Card Replacement Fee | BDT 1,000 (shared, not tier-split) — same table”
• “Prime Bank Credit Card Schedule of Charges (Hasanah) * 15% VAT will be charged as applicable. Excise duty will be realized annually as per NBR prescribed slab. *Annual Fee will be reversed/waived based on 15 transactions (ATM excluded). — Credit Card SoC 01-08-2026 to 31-12-2026, page 2”
• “Maximum credit limit of BDT 1,000,000 for unsecured loan and BDT 2,500,000 for collateralized loan. — Hasanah Platinum product page”
• “Free supplementary credit card (First 2) / Instant cash advance up to 50% of credit limit / Annual fee waiver on 15 purchases / Complimentary 1st cheque book — Hasanah Platinum product page”
• “In case of critical illness, cardholder will receive 50% of last month's outstanding (maximum BDT 10 lac). — Hasanah Platinum product page”
• “In case of unfortunate event such as death or permanent total disability (PTD), the entire dues as on that date gets waived while cardholder or nominee will receive equal amount. — Hasanah Platinum product page”

• Product page
• Schedule of charges
• Terms and conditions