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Islamic Credit Cards
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Kuwait International Bank · Fully Islamic bank

Visa Classic Card

KIB Rewards Points on card spend

VisaClassic
Annual fee
KD 45
Profit rate
Not published
Minimum income
KD 400 a month
Rewards
Reward points

Read it from the source

What makes this card Islamic

The bank does not name the contract

We could not find Kuwait International 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.

Approved by Shariah Supervisory Board, under the supervision of Central Bank of Kuwait (CBK).

What it costs

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

Annual fee
KD 45Credit (instalment) form: KD 45. Charge (full settlement) form: KD 40.source
Profit rate
Not publishedKIB does not publish a profit rate for its cards. Its card terms define a Minimum Payment Amount that is either a percentage of the balance or the full outstanding amount, depending on the settlement type chosen in the card application.
Cash withdrawal
KD 6 per cash withdrawal on a credit card, locally or internationally; a further 2.5% applies to foreign-currency use. Source document is the 2018 edition of KIB's fees list — the current tariff PDF linked from kib.com.kw returns a 404.
Late payment
Not published
Foreign currency spend
2.5% on top of the exchange rate

What you get back

Other benefits

  • Free travel insurance when tickets are bought with the card
  • Contactless and digital payments (Apple Pay, Samsung Pay, Fitbit, Garmin)
  • Instant issuance and flexible instalment options
  • Fast refund on eligible chargeback claims

Can you get it?

Minimum income
KD 400 a monthsource
Other conditions
A minimum monthly salary of KD 400 or more.

Where these figures come from

Last checked against Kuwait International 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.

  • “"Issuance / Renewal Visa Classic Charge: KD 40" — KIB Visa Classic Card product page”
  • “"Issuance / Renewal Visa Classic Credit: KD 45" — KIB Visa Classic Card product page”
  • “"A minimum monthly salary of KD 400 or more." — KIB Visa Classic Card product page”
  • “"Sharia-compliant card solution" — KIB Visa Classic Card product page”
  • “"Withdrawal/Purchase abroad in foreign currency (Debit and Credit Visa and MasterCard) | 2.5% of the total withdrawn amount" — KIB List of Fees and Commissions, item 1/28 (document dated 2018)”
  • “"Cash withdrawal using credit cards (from the customer’s bank counter) (Locally/ internationally) ... all types of Visa and MasterCard cards | KD 6" — KIB List of Fees and Commissions, item 1/27 (document dated 2018)”

What we could not verify

Kuwait International Bank does not publish shariah contract, shariah board, monthly profit rate, annual profit rate, supplementary card fee, late payment fee, over-limit fee, replacement card fee, minimum age, maximum age, takaful cover, reward caps, apr 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.