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Islamic Credit Cards
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Standard Islami Bank · Fully Islamic bank

Tijarah Platinum Card

Complimentary Balaka Lounge plus four worldwide LoungeKey visits

VisaPlatinum
Annual fee
Tk 3,500
Profit rate
Not published
Minimum income
Not published
Rewards
None

Read it from the source

What makes this card Islamic

The bank does not name the contract

We could not find Standard Islami Bank stating which Shariah contract this card is built on. That is not the same as saying the card is non-compliant, but it does mean you cannot check the reasoning for yourself. Ask the bank which structure it uses, and for its Shariah board’s approval, before you apply.

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 3,500Annual/renewal fee waived on 12/15 POS and e-commerce transactions with a minimum transaction amount of BDT 500 or USD equivalent, excluding VMT transactions, card cheques and any cash-nature transaction.source
Supplementary card
Tk 0Free up to 2 supplementary cards on Platinum-Regular (Tk. 1,000 for the 3rd and onwards); free up to 1 card on Platinum-RFCD, thereafter USD 25.source
Profit rate
Not publishedNo percentage rate published. The same 19-band 'Monthly Payable Profit Charge' slab applies as for Tijarah Gold, in BDT for the Regular variant and in USD for RFCD/ERQ (USD 5 on a USD 5.01-200 balance, rising to USD 600 above USD 20,000). Payment due date 15 days from the statement date. No profit-free period is published.
Cash withdrawal
TK. 200 / USD 3; USD 3 on RFCD and ERQ. Cash withdrawal limit 50% of the available card limit.
Late payment
Tk 700BDT 700 / USD 15 on Platinum-Regular; USD 12 on RFCD and ERQ.
Over limit
Tk 1,200
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 for the BDT tiers. The bank calls it insurance, not takaful.

What you get back

Other benefits

  • Complimentary Balaka Lounge facility at Dhaka for the primary cardholder
  • Worldwide airport lounge access via LoungeKey — 4 complimentary visits
  • Premium Visa travel and lifestyle privileges
  • Visa contactless (NFC)
  • USD-denominated RFCD and ERQ variants for foreign-currency account holders
  • First cheque book complimentary

Before you apply

  • No profit-free period is published — the only Bangladeshi Islamic card in this dataset with no stated grace window.
  • The banded slab makes the carrying cost jump sharply at band boundaries.
  • 3% markup on all international transactions.
  • RFCD and ERQ variants get NO complimentary LoungeKey visits — they pay USD 35 per visit for cardholder and USD 35 per guest, despite the higher-sounding tier name.
  • The Shariah contract is never named and no Shariah Supervisory Committee page was found on the bank's website.
  • Eligibility is entirely unpublished.

Can you get it?

Other conditions
NOT PUBLISHED for the standard variants. The RFCD and ERQ variants are by definition restricted to holders of Resident Foreign Currency Deposit and Exporters' Retention Quota accounts, which is a meaningful eligibility gate the bank does not spell out on the cards page.

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.

  • “Annual/Renewal/Issuance Fee-Primary Card | VISA PLATINUM-REGULAR TK. 3,500 | VISA PLATINUM-RFCD USD 50 | VISA PLATINUM-ERQ USD 50 — Standard Islami Bank Schedule of Charges”
  • “Late payment fee | BDT 700/USD 15 | USD 12 | USD 12 — Standard Islami Bank Schedule of Charges”
  • “Over limit fee | BDT 1,200/USD15 | USD 15 | USD 15 — Standard Islami Bank Schedule of Charges”
  • “Balaka Lounge Facility- Primary Cardholder only | Gold: $23 | Complementary — Standard Islami Bank Schedule of Charges”
  • “Worldwide Airport lounge Facility-Lounge key | Complimentary: 02 Visit | Complimentary: 04 Visit | Regula visit: Cardholder $ 35 & Guest $ 35 — Standard Islami Bank Schedule of Charges”
  • “Tijarah Platinum Card — 100% interest free Islamic card. Experience absolute peace of mind with the all-new Shariah-Compliant Visa NFC Credit Card. Premium Visa Travel & Lifestyle Privileges — https://www.standardbankbd.com/en/service/cards”
  • “Minimum amount due | 5% of the principal outstanding and non-transactional fees and Instalment amounts (If any). — Standard Islami Bank Schedule of Charges”
  • “Interest free Tijarah Card — the entire body content of https://www.standardbankbd.com/en/service/cards/e2acfc63-61cb-46e3-9be3-1803c6a91e5e”

What we could not verify

Standard Islami Bank does not publish shariah contract, shariah board, monthly profit rate, annual profit rate, minimum income, minimum age, maximum age, documents required, reward detail, reward caps, terms and conditions, shariah certificate for this card, so we have left those blank rather than guess. If you need one of them, ask the bank directly and hold them to the answer in writing.

Compare with other Bangladeshi Islamic cards

Al-Arafah Islami Bank

La-Riba Islamic Credit Card — Platinum

Complimentary Balaka and worldwide airport lounge access, for supplementary holders too

Annual fee
Tk 3,000
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah

Full breakdown

Bank Asia (Islamic)

Platinum Islamic Card

Dual-currency Islamic card priced on a banded monthly maintenance fee

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Ujrah

Full breakdown

Dhaka Bank (Tayyebah)

Tayyebah Islamic Credit Card (Platinum)

Annual fee
Tk 3,500
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown