Qatar Islamic Bank credit cards

Who Qatar Islamic Bank are

A fully Islamic bank — every product it offers is Shariah-compliant.

The largest Islamic card issuer in Qatar by product count and the only one publishing a full fee table on every card page. Structure is International Murabaha on a commodity and metal portfolio with a one-month maturity (Cards T&C clauses 25-26); the Digital Credit Card page labels the 1% monthly charge 'Murabaha Profit'. Every card carries a uniform 1% monthly profit rate, a 45-day profit-free period, a 5% minimum payment, QAR 100 supplementary/replacement fees, 3% cash withdrawal, tiered FX (2% / 2.5% / 3%) and a 2% 'Charity fee (commitment to donate in case of late payment)... to be sent to charity'. Differentiation is therefore entirely in annual fee, rewards currency and benefits, not in pricing mechanics. QIB ALSO runs a separate range of Shari'a-compliant CHARGE cards (Internet Card, Visa Gold, Visa Platinum, Visa Infinite) which are not included in the card file because they are charge, not credit, products. Fee waivers run off relationship tiers: Tamayuz and Private Banking customers get issuance/annual/replacement fees free or halved. QIB's own About page and retail tariff booklet were WAF-rejected in this session; the 1982 founding year and market-share statements come from QIB's own site recovered through a search index, not a direct read.