Tijarah Gold Card

What makes this card Islamic

What it costs

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

Annual fee

Tk 3,000'Tijarah Gold and Platinum Card Annual Fee/Renewal fee will be waived under 12/15 POS and E-commerce transactions and minimum transaction amount shall be BDT 500 or equivalent USD Transactions except VMT Transaction, Card cheque and any type of cash nature transactions.'source

Supplementary card

Tk 0Free up to 2 supplementary cards; Tk. 1,000 for the 3rd card and onwards.source

Profit rate

Not publishedNO PERCENTAGE RATE IS PUBLISHED. Instead a 'Monthly Payable Profit Charge' is levied as a flat amount from a 19-band slab keyed to the outstanding balance. Selected bands (BDT): 0-500 = Tk. 0; 501-20,000 = Tk. 400; 20,001-50,000 = Tk. 750; 50,001-75,000 = Tk. 1,500; 100,001-150,000 = Tk. 2,500; 300,001-350,000 = Tk. 6,500; 1,000,001-1,500,000 = Tk. 25,000; over 2,000,000 = Tk. 60,000. A parallel USD slab runs from USD 0 (0-5.00 outstanding) to USD 600 (over USD 20,000). Payment due date is 15 days from the statement date. NO PROFIT-FREE / GRACE PERIOD IS PUBLISHED anywhere in the card Schedule of Charges — unusual, and a material gap.

Cash withdrawal

Cash withdrawal fee TK. 200 / USD 3. Cash withdrawal limit is 50% of the available card limit. Domestic NPSB and Q-Cash ATM transactions are charged separately at up to Tk. 15 and Tk. 10 respectively.

Late payment

Tk 600TK. 600 / USD 15.

Over limit

Tk 1,000

Foreign currency spend

3% on top of the exchange rate

Replacement card

Tk 500

Takaful cover

An 'Insurance fee' of 0.29% of the outstanding amount is listed in the Schedule of Charges. The bank calls it insurance, not takaful, and does not name a takaful operator — noted as published.

What you get back

Other benefits

• Worldwide airport lounge access via LoungeKey — 2 complimentary visits
• Balaka Lounge (Dhaka) at USD 23 per visit for the primary cardholder
• Visa contactless (NFC) acceptance worldwide
• First cheque book complimentary
• Travel & lifestyle privileges

Before you apply

• NO PROFIT-FREE PERIOD IS PUBLISHED. Every other Bangladeshi Islamic card in this dataset states one (45, 50 or 51 days). The Standard Islami Bank card Schedule of Charges gives only a 15-day payment due date and no grace wording at all. Assume the monthly profit charge may apply from the first statement.
• The slab design means the charge JUMPS at band boundaries. Carrying Tk. 20,000 costs Tk. 400 a month; carrying Tk. 20,001 costs Tk. 750 — an instant 87% increase in carrying cost for one extra taka of balance.
• A 3% markup applies to all international transactions.
• Card cheques carry a 1.25% processing fee (minimum Tk. 100) and a Tk. 250 return fee.
• Refunding an excess balance on the card costs 1% of the excess.
• The Shariah contract governing the card is never named, and no Shariah Supervisory Committee page was found on the bank's site.
• Eligibility is entirely unpublished.
• 15% VAT is added to fees and charges where applicable.

Can you get it?

Other conditions

NOT PUBLISHED. The two card detail pages contain a single line of body text each ('Interest free Tijarah Card') and no eligibility criteria appear on the cards page or in the Schedule of Charges. The card limit is described only as 'a maximum credit limit as guided by the Central Bank of Bangladesh'.

Where these figures come from

Last checked against Standard Islami Bank’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.

• “Minimum amount due | 5% of the principal outstanding and non-transactional fees and Instalment amounts (If any). — Standard Islami Bank Schedule of Charges, 'Tijarah Cards' table”
• “Payment due date from statement date | 15 days — Standard Islami Bank Schedule of Charges, 'Tijarah Cards'”
• “Cash withdrawal Limit | 50% of the available card limit — Standard Islami Bank Schedule of Charges”
• “Annual/Renewal/Issuance Fee-Primary Card | VISA GOLD TK. 3,000 — Standard Islami Bank Schedule of Charges”
• “Supplementary Card | Free up to 2 Card ... Annual Fee- Supplementary Card | TK. 1,000 For 3rd card and onwards — Standard Islami Bank Schedule of Charges”
• “Late payment fee | TK. 600/USD 15 — Standard Islami Bank Schedule of Charges”
• “Over limit fee | TK. 1,000/USD 15 — Standard Islami Bank Schedule of Charges”
• “Mark up Fee- International Transactions | 3% — Standard Islami Bank Schedule of Charges”
• “Insurance fee | TK. 0.29% of the outstanding amount — Standard Islami Bank Schedule of Charges”
• “Monthly Payable Profit Charge: 1 | 0-500 | 0 ; 2 | 501-20,000 | 400 ; 3 | 20,001-50,000 | 750 ; 4 | 50,001-75,000 | 1,500 ; ... 19 | 20,00,000+ | 60,000 — Standard Islami Bank Schedule of Charges”
• “Tijarah Gold and Platinum Card Annual Fee/Renewal fee will be waived under 12/15 POS and E-commerce transactions and minimum transaction amount shall be BDT 500 or equivalent USD Transactions except VMT Transaction, Card cheque and any type of cash nature transactions. — Standard Islami Bank Schedule of Charges, Terms & Conditions”
• “Tijarah Gold Card — 100% interest free Islamic card. Visa contactless Gold Credit Card is accepted at tens of millions of merchants worldwide. It is offered with a maximum credit limit as guided by the Central Bank of Bangladesh — https://www.standardbankbd.com/en/service/cards”
• “Worldwide Airport lounge Facility-Lounge key | Complimentary: 02 Visit — Standard Islami Bank Schedule of Charges”
• “Excess balance refund fee | 1% of the excess balance — Standard Islami Bank Schedule of Charges”

• Product page
• Schedule of charges