Qatar Airways Signature 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 500Tamayuz (50% discount) or Private Banking (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

Free travel takaful when flights and travel services are booked with the card

What you get back

• 1 Avios per QAR 6 spent internationally
• 1 Avios per QAR 7 spent domestically
• 50% of the normal Avios on restricted purchases (auto, government, fuel in the EEA/UK)
• Avios expire 3 years from the date earned

Other benefits

• Complimentary access to 850+ airport lounges worldwide via the Visa Airport Companion app
• Free travel takaful when flights and travel services are booked with the card
• Extended warranty of up to 12 additional months
• Purchase protection: 365-day cover against theft, loss and damage for purchases over USD 100

Before you apply

• Avios expire 3 years from the date earned.
• The issuance variant that includes bonus Avios costs QAR 1,000 up front.
• 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 with bonus Avios: 1,000 - QIB Qatar Airways Signature Card, fees (QAR)”
• “Annual fee: 500 - QIB Qatar Airways Signature Card, fees (QAR)”
• “Supplementary card issuance/annual: 100 - QIB Qatar Airways Signature Card, fees (QAR)”
• “Cash withdrawal: 3% - QIB Qatar Airways Signature Card, fees”
• “International spending: 1 Avios per 6 QAR spent; Domestic spending: 1 Avios per 7 QAR spent - QIB Qatar Airways Signature Card”
• “Avios expiry: 3 years from earning date - QIB Qatar Airways Signature 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