Islamic credit cards by country
What counts as an Islamic credit card changes at the border. In Saudi Arabia every retail card is Shariah-compliant, so nobody calls them Islamic. In Australia there is not a single one. Here is the map.
Gulf
United Arab Emirates
101 cards · 18 issuers · AED
Central Bank of the UAE (CBUAE)
Saudi Arabia
111 cards · 12 issuers · SAR
Saudi Central Bank (SAMA)
Qatar
38 cards · 5 issuers · QAR
Qatar Central Bank (QCB)
Kuwait
35 cards · 5 issuers · KWD
Central Bank of Kuwait (CBK)
Bahrain
10 cards · 7 issuers · BHD
Central Bank of Bahrain (CBB)
Oman
22 cards · 7 issuers · OMR
Central Bank of Oman (CBO)
Southeast Asia
Malaysia
88 cards · 27 issuers · MYR
Bank Negara Malaysia (BNM)
Indonesia
10 cards · 4 issuers · IDR
Otoritas Jasa Keuangan (OJK) supervises banks; Bank Indonesia (BI) regulates payment systems and card rules
Brunei
6 cards · 2 issuers · BND
Brunei Darussalam Central Bank (BDCB), formerly Autoriti Monetari Brunei Darussalam (AMBD). BIBD's own credit-card terms define 'Authority' as BDCB.
South Asia
Europe
Türkiye
11 cards · 7 issuers · TRY
Bankacılık Düzenleme ve Denetleme Kurumu (BDDK) supervises banks and sets credit-card instalment limits and the minimum-payment ratio; Türkiye Cumhuriyet Merkez Bankası (TCMB) sets the maximum credit-card rates
United Kingdom
1 card · 11 issuers · GBP
Financial Conduct Authority (FCA) for conduct; Prudential Regulation Authority (PRA) for prudential regulation of banks. Consumer credit is regulated by the FCA under CONC and the Consumer Credit Act 1974.
Africa
Markets with no Islamic credit card
These are real answers, not gaps in our research. In each case we set out why the product does not exist and what people there use instead.
United States
No card on saleThe US has the largest and most sophisticated credit-card industry in the world and no Shariah-compliant credit card at all. Every structural force pushes the same way: revolving interest is the entire profit engine, the Muslim population is large in absolute terms but geographically dispersed and served by no Islamic depository institution of scale, TILA/Regulation Z forces APR disclosure on any fee-based substitute, and the credit-bureau system makes a conventional card close to compulsory for ordinary life.
Canada
No card on saleCanada has a large, fast-growing Muslim population and essentially no Islamic banking sector — no Islamic bank, no Islamic window at any Big Five bank, and no Islamic credit card. Islamic finance in Canada is a handful of non-bank mortgage specialists plus one fintech issuing a prepaid card. The binding constraint is not demand but the absence of any deposit-taking Islamic institution that could issue credit at all, compounded by a highly concentrated banking oligopoly with no incentive to build a niche interest-free product.
Australia
No card on saleAustralia is the clearest case in this research, because the failure is documented by the prudential regulator rather than inferred. The country's first and only retail Islamic bank was licensed in July 2022, never launched a single product, never took a deposit, and handed its licence back on 1 March 2024 because it could not raise capital. Everything downstream of that — including a credit card — was therefore never possible. Islamic finance in Australia consists entirely of non-bank home financiers and investment managers.
Why some countries look empty
In Saudi Arabia, Qatar, Kuwait, Bahrain and Oman almost nobody searches for an “Islamic credit card”, because Islamic banking is the default rather than a choice. A Saudi asking about a card just asks about the card. That is why those pages are organised around banks rather than around the word Islamic.