Qatar Airways Gold 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

QAR 250Tamayuz (50% discount) or Private Banking (waived)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

Free Credit Shield Takaful

What you get back

• 1 Avios for every QAR 9 spent internationally
• 1 Avios for every QAR 10 spent domestically
• 50% of the normal Avios for purchases in the EEA or UK, or from government, fuel and auto merchants
• Optional issuance variant at QAR 500 that includes 3,000 bonus Avios

Other benefits

• Free Credit Shield Takaful
• Extended warranty protection for 12 months on eligible purchases
• 5% discount on Qatar Airways holiday packages
• Acceptance across 200+ countries

Before you apply

• The slowest Avios earn rate in QIB's Qatar Airways range.
• A QAR 100 dispute fee applies to invalid claims.
• 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

Open to Qataris and expats resident in Qatar; a QIB account is required.

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.

• “Issuance fees: 250 QAR; Annual fees: 250 QAR - QIB Qatar Airways Gold Card, fees”
• “Issuance with bonus Avios: 500 QAR - QIB Qatar Airways Gold Card, fees”
• “Supplementary cards: 100 QAR each - QIB Qatar Airways Gold Card, fees”
• “Cash withdrawal: 3% - QIB Qatar Airways Gold Card, fees”
• “For every QAR 9 spend, earn 1 Avios [international] - QIB Qatar Airways Gold Card”
• “For every QAR 10 spend, earn 1 Avios [domestic] - QIB Qatar Airways Gold 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