QIB Digital Credit Card

What makes this card Islamic

Qatar Islamic Bank builds this card on a Murabahah contract. The bank buys the thing you want, then sells it to you at a stated cost plus a stated profit, payable later.

QIB settles the outstanding card balance through an 'International Murabaha' on a commodity and metal portfolio held in common with partners; each Murabaha has a maturity of one month (QIB Cards T&C clauses 25-26). The charge is presented on product pages as a monthly 'Profit Rate' on the unpaid outstanding; QIB's Digital Credit Card page labels the identical 1% charge 'Murabaha Profit'.

Approved by Shari'a Supervisory Board, under the supervision of Qatar Central Bank (QCB).

What it costs

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

Annual fee

No annual feeAnnual and issuance fee free.source

Supplementary card

QAR 100Issuance / annual fee per supplementary cardsource

Profit rate

1% a month on the outstanding balance1% per month on the unpaid outstanding amount. Up to 45 days profit-free when the full balance is paid; minimum payment 5%.source

Cash withdrawal

Cash withdrawal 3%

Late payment

Not published

Replacement card

QAR 100

Takaful cover

Credit Shield Takaful

What you get back

• 1 Absher point per QAR 6 spent internationally
• 1 Absher point per QAR 8 on domestic e-commerce and POS

Other benefits

• No physical card - instant activation in Apple Pay, Google Pay and Samsung Wallet
• Up to 45 days of profit-free credit on every purchase
• Minimum payment of 5% at a 1% monthly profit rate
• Extended warranty of an additional 12 months
• Airport lounge access at 1,000+ lounges in 300+ cities

Before you apply

• Digital only - there is no physical card.
• QIB's page for this card states a QAR 100 card cancellation fee.
• The page labels the 1% charge 'Murabaha Profit', which is the clearest naming of the Shariah structure anywhere in QIB's card range.
• QIB's standard card fee table carries a 2% charity fee on late payment (verified on the Infinite, Visa Platinum, Gold, Ladies and Mastercard World pages); it was not separately confirmed on this card's page, so it is recorded as unverified here.
• Currency conversion reaches 3% for currencies outside USD, GCC, GBP and EUR.

Can you get it?

Other conditions

Applied for through the QIB Mobile App; new customers complete digital onboarding. QIB does not publish an income threshold for this card.

What to have ready

• QID (Qataris and expats)
• Passport (expats)

Where these figures come from

Last checked against Qatar Islamic 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/Issuance Fee: Free - QIB Digital Credit Card”
• “Murabaha Profit: 1% - QIB Digital Credit Card, fees”
• “Currency Conversion: USD and GCC - 2%, GBP and EUR - 2.5%, Other Currencies - 3% - QIB Digital Credit Card”
• “Card Cancellation: QAR 100 - QIB Digital Credit Card”
• “up to 45 days of free credit on every purchase - QIB Digital Credit Card”
• “Currency conversion fee - USD and GCC | 2%; GBP and EUR | 2.5%; Other currencies | 3% - QIB card Fees and Charges table”
• “25. INTERNATIONAL MURABAHA: Is the Murabaha Transaction executed by the Bank for the outstanding credit Card amount, whereas the customer has expressed his desire to purchase the share of the Bank in the commodities and metal portfolio, owned commonly between the Bank and other partners (the "Partners") and which are divided into commodity shares. - QIB Cards Terms & Conditions, clause 25”
• “26. Each Murabaha has a maturity of one month. The last payment date is the 5th of every month and the monthly Murabaha will be processed on the 6th or the next working day following this date. - QIB Cards Terms & Conditions, clause 26”

• Product page
• Terms and conditions