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Islamic Credit Cards
Countries:United Arab Emirates101Malaysia88Saudi Arabia111Pakistan8Indonesia10Qatar38All countries

Qatar · 4 cards

Islamic credit cards with no annual fee in Qatar

4 of the 38 Islamic credit cards on sale in Qatar have a published annual fee of zero. Use this list to see which ones, then check the profit rate and the conditions before you apply.

How this list is built

Which cards are included
The bank's published annual fee for the main card is zero. Some banks attach a condition to that, such as a spending target from the second year. Where the bank states one, it is printed under the fee.
The order
Alphabetical by bank, then by card name. Every card here has a published annual fee of zero, so there is no fee to rank them by. Check any condition printed under a fee: some are free only in the first year, or only if you spend a set amount.
What this is not
A filter, not a verdict. The order says nothing about which card suits you, and nothing about how sound a card is under Shariah.

The 4 cards at a glance

CardAnnual feeProfit rateMinimum incomeRewards
Premier Credit Card (Visa Infinite)AlRayan BankNo annual fee1% a monthQAR 50,000 a monthReward points
Premier Credit Card (Visa Signature)AlRayan BankNo annual fee1% a monthQAR 35,000 a monthReward points
Bedaya Platinum Credit CardQatar Islamic BankNo annual fee1% a monthNot publishedReward points
QIB Digital Credit CardQatar Islamic BankNo annual fee1% a monthNot publishedReward points

Profit rate is the rate the bank publishes on an unpaid balance, not the APR. Where a bank does not publish a figure we say so rather than estimate it.

Each card in more detail

AlRayan Bank

Premier Credit Card (Visa Infinite)

AlRayan's fastest standard earn rate, with unlimited lounge access and no annual fee

Annual fee
No annual fee
Profit rate
1% /mo
Minimum income
QAR 50,000 a month
Structure
Murabahah
Reward points

Full breakdown

AlRayan Bank

Premier Credit Card (Visa Signature)

No annual fee, with points convertible to Avios, Nojoom, Al Meera points or cash back

Annual fee
No annual fee
Profit rate
1% /mo
Minimum income
QAR 35,000 a month
Structure
Murabahah
Reward points

Full breakdown

Qatar Islamic Bank

Bedaya Platinum Credit Card

A no-annual-fee student card with lounge access and purchase protection

Annual fee
No annual fee
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Qatar Islamic Bank

QIB Digital Credit Card

A digital-only, fee-free card issued straight into a mobile wallet

Annual fee
No annual fee
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Other ways to filter cards in Qatar

Lowest minimum income5 cards

This is a reference, not advice

Whether a particular card is acceptable to you is a question for a scholar you trust. We set out what each bank publishes and link the source on every card page so you can check.

Want every card, not a filtered list?

See every card we index in Qatar, with the issuers and the contracts they use.