Click! Gold Card

What makes this card Islamic

Shahjalal Islami Bank builds this card on a Wakalah contract. The bank acts as your agent, paying the shops on your behalf, and charges you an agency fee.

DQ-4 (2026-09-20): the fee schedule was OCR'd this pass (tesseract 5.4.0 eng, 600 DPI raster, cross-checked by direct visual read of the rasterized page) and names its own contract: 'Ujrat of Wakalah | Dual Currency | 24% Per Annum'. The document also proves the card REVOLVES — 'Minimum Payment Due | 5% of total outstanding + EMI + EOL or minimum BDT 500/USD 20, whichever is higher for regular Card A/C' — a settle-in-full charge card would have no minimum-payment rule. No dedicated product page exists on the live site, so nothing beyond the fee schedule itself is verifiable.

Approved by Shahjalal Islami Bank Shariah Supervisory Committee, under the supervision of Bangladesh Bank.

What it costs

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

Annual fee

Tk 2,000'Annual / Renewal Fees' — Gold column. 15% VAT applies on top (footnote i). 'Effective from 1st January 2025' per the document, though the filename is dated 2024.source

Supplementary card

Tk 5001st supplementary card free. From the 2nd supplementary card onward: BDT 500.source

Profit rate

24% a year'Ujrat of Wakalah | Dual Currency | 24% Per Annum' — a single dual-currency rate, not tier-differentiated. 'Minimum Payment Due | 5% of total outstanding + EMI + EOL or minimum BDT 500/USD 20, whichever is higher.'source

Cash withdrawal

SJIB prices cash withdrawal as a MONTHLY 'Ujrat of Khidmah for Cash Withdrawal': Gold BDT 833 / USD 12.50 per month. A separate per-transaction ATM fee also applies: SJIBPLC ATM BDT 100, other bank's ATM BDT 150/USD 5. Cash Withdrawal Limit for Gold: BDT 50,000 or USD 750 or 50% of the credit limit, whichever is lower.

Late payment

No line item named a late-payment fee anywhere in the schedule. Not proven absent, but not found.No line item named a late-payment fee anywhere in the schedule. Not proven absent, but not found.

Over limit

Tk 500

Replacement card

Tk 600

Takaful cover

Credit Shield Premium at 0.20% of the outstanding amount, imposed on the total outstanding (footnote ii) — not stated as optional or compulsory.

What you get back

• EMI purchase Service Charge 9% per annum, tenure 3/6/9/12/18/24 months (footnote vii)
• EMI Early Settlement Fee: Free
• Balaka Lounge access is a Platinum-only benefit per the schedule's footnotes — not stated for Gold.

Other benefits

• The bank's card nav advertises EMI Partners, Discount Partners, a Lounge Facility, and seasonal campaigns — none tied to a specific tier in readable text.

Before you apply

• DQ-4 RESOLVED (2026-09-20): both fee documents were photographs with no working OCR at the time of the original research (tesseract was not yet installed). Re-fetched and OCR'd this pass; the fee table, profit rate, Shariah contract and revolving-credit proof are now sourced from Schedule_of_Fees_Charges_2024.pdf.
• No dedicated product page exists on the live site for any credit tier — only the marketing tile on card.php. Eligibility, income requirements and age bands remain unpublished as a result.
• Use sjiblbd.com — shahjalalbank.com.bd does not exist and shahjalalbank.com is a domain-sale listing, not the bank.
• 15% VAT applies to all fees and charges (footnote i).

Can you get it?

Other conditions

NOT PUBLISHED. The fee schedule has no eligibility/income section, and no dedicated product page exists on the live site to check separately.

Where these figures come from

Last checked against Shahjalal Islami Bank’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.

• “Credit Card / Click! Platinum / Click! Gold / Click! Classic — https://www.sjiblbd.com/card.php”
• “Annual / Renewal Fees | Classic BDT 1,000/- | Gold BDT 2,000/- | Platinum BDT 4,000/- | Platinum (ERQ/RFCD) USD 50 — Schedule of Fees & Charges of Shahjalal Islami Bank Credit Card, https://www.sjiblbd.com/file/card/Schedule_of_Fees_Charges_2024.pdf, OCR'd (tesseract 5.4.0 eng, 600 DPI) and visually confirmed from the rasterized page, DQ-4 2026-09-20”
• “Ujrat of Wakalah | Dual Currency | 24% Per Annum — same schedule”
• “Minimum Payment Due | Dual Currency | 5% of total outstanding + EMI + EOL or minimum BDT 500/- or USD 20 whichever is higher for regular Card A/C. — same schedule”
• “Card Replacement Fee | Classic BDT 500/- | Gold BDT 600/- | Platinum BDT 800/- | USD 15 — same schedule”
• “Cash Withdrawal Limit | Gold BDT 50,000/- or USD 750 or 50% of limit whichever is lower — same schedule”
• “Monthly Ujrat of Khidmah for Cash Withdrawal | Gold BDT 833/USD 12.50 — same schedule”
• “Limit Crossing Charge | Dual Currency | BDT 500/- or USD 15 — same schedule”
• “Credit Shield Premium | Dual Currency | 0.20% of Outstanding — same schedule”
• “Note: Effective from 1st January 2025. i. 15% VAT will be applicable for all Fees and Charges. — same schedule, footnotes”

• Product page
• Schedule of charges