IBBL Khidmah Credit Card (Shariah Compliant) - Features, Fee & Requirements | Banking BD

Product Overview

Islami Bank Khidmah Card is Bangladesh's pioneering Shariah-compliant Islamic credit card based on the Ujrah (service fee) concept. It operates completely free of conventional interest (Riba), offering ethical financial flexibility locally and internationally.

Key Features & Benefits

• 100% Shariah-compliant card operating on the Ujrah contract principle:
• Zero interest (Riba) charged; operates on a fixed transparent monthly maintenance fee:
• Dual currency facilities enabled for global travel, Umrah, and international medical expenses:
• Accepted at all Visa / NPSB POS terminals, ATMs, and 3D Secure e-commerce websites:
• Up to 51 days maximum settlement window without any additional penalty:
• Cash withdrawal facility up to 50% of card limit from any IBBL or Visa ATM:
• Auto-debit payment option directly linked with IBBL Savings/Current accounts:

Special Perks & Privileges

• Special discounts on Hajj/Umrah packages and halal lifestyle partners
• Zero annual fee on Silver & Gold tiers based on annual spend milestones
• Hospitalization cash-benefit coverage and accidental Takaful coverage

Product Specifications & Fee Schedule

Eligibility Criteria

• Age: 21 to 60 years
• Minimum monthly income: ৳20,000 for salaried employees; ৳30,000 for business individuals
• Bangladeshi resident with clean CIB record

Required Documents

• Signed Khidmah Card application form
• Photocopy of NID/Smart NID and e-TIN Certificate
• Recent passport-sized photographs (2 copies for cardholder, 1 for nominee)
• Bank statement of last 6 months showing regular income flow
• Letter of Introduction / Salary Certificate from Employer