Interest in the best Islamic credit card in Bangladesh is growing among people who prefer Shariah-compliant banking for shopping, online payments, utility bills, and everyday expenses. Several banks in Bangladesh offer Islamic credit card products, including Islami Bank Bangladesh PLC, Prime Bank PLC, and Mutual Trust Bank PLC. These cards operate under Islamic banking principles, although their fees, eligibility criteria, benefits, and credit limits vary by bank.
On 27 September 2026, Bangladesh Bank issued the Guidelines on Islamic Credit Card Operations of Banks, establishing a regulatory framework for Shariah-compliant card services, contracts, fees, risk management, and customer protection. This guide explains the available Islamic credit cards in Bangladesh, Islami Bank credit card requirements, published credit limits, applicable charges, and how to apply online. Always verify the latest terms directly with the bank before submitting an application.
What Is an Islamic Credit Card?
An Islamic credit card is a payment facility designed to operate according to Islamic Shariah principles. Like a conventional credit card, it can be used for purchases, online transactions, utility bill payments, and other permitted transactions. However, its contractual structure, financing arrangements, and service charges must comply with the applicable Shariah requirements.
How Does an Islamic Credit Card Work?
Bangladesh Bank’s 2026 guidelines refer to concepts such as Qard Hasan and Ujrah in Islamic credit card operations.
- Qard Hasan: An interest-free loan under which the borrower repays the principal amount according to the agreed terms.
- Ujrah: A fee charged for an identifiable service, subject to the applicable Shariah principles and regulatory requirements.
- Charge-free period: Some banks offer a period during which qualifying transactions can be repaid without additional financing charges. The exact conditions depend on the card agreement.
A card advertised as “interest-free” is not necessarily free of all charges. Applicants should review the contract, annual fees, maintenance charges, cash withdrawal fees, repayment rules, and other conditions before choosing a card.
Which Banks Offer Islamic Credit Cards in Bangladesh?
Several banks publish information about Islamic or Shariah-compliant credit cards on their official websites. The following comparison highlights available products and published credit limits.
Islamic Credit Cards and Credit Limits: Bank Comparison
| Bank | Card name | Published credit limit | Official website |
|---|---|---|---|
| Islami Bank Bangladesh PLC | Khidmah Gold | Up to BDT 200,000 | Official card page |
| Islami Bank Bangladesh PLC | Khidmah Platinum | Up to BDT 300,000 | Official card page |
| Islami Bank Bangladesh PLC | Khidmah Priority Platinum | Up to BDT 500,000 | Official card page |
| Prime Bank PLC | Visa Hasanah Gold | Up to BDT 700,000 unsecured; up to BDT 2,500,000 secured | Official card page |
| Prime Bank PLC | Visa Hasanah Platinum | Up to BDT 1,000,000 unsecured; up to BDT 2,500,000 secured | Official card page |
| Mutual Trust Bank PLC | MTB Yaqeen Islamic Ujrah Card — Gold | BDT 75,000–200,000 | Official card page |
| Mutual Trust Bank PLC | MTB Yaqeen Islamic Ujrah Card — Platinum | BDT 150,000–500,000 | Official card page |
| Mutual Trust Bank PLC | MTB Yaqeen Islamic Ujrah Card — Signature | Up to BDT 1,000,000 unsecured; up to BDT 2,500,000 secured | Official card page |
Sources: Official product pages from Islami Bank Bangladesh, Prime Bank, and MTB Yaqeen. <Cite refs={[“turn618782search4″,”turn618782search1″,”turn618782search2″,”turn114620search1″,”turn114620search11″,”turn114620search0”]}/>
Important: These are published product limits, not guaranteed limits for every applicant. A bank may approve a lower amount based on income, existing liabilities, repayment history, collateral, and its credit assessment. Fees and terms may also change.
Which Islamic Credit Card Should You Consider?
There is no single card that is best for everyone. Your choice should depend on your income, spending habits, preferred benefits, and ability to repay your balance.
- For a lower published credit limit: Islami Bank Khidmah Gold may be worth considering.
- For a higher unsecured limit: Prime Bank Visa Hasanah Platinum publishes a limit of up to BDT 1 million, subject to approval.
- For a secured card: Compare the deposit requirements and approved limit offered by the bank.
- For Shariah-compliant card services with a fixed-fee structure: Review the terms of MTB Yaqeen Islamic Ujrah Card.
Compare the actual fees and contractual terms rather than selecting a card based on its maximum limit alone.
Islami Bank Credit Card Requirements
Islami Bank Bangladesh PLC offers several Khidmah credit cards. Its published eligibility requirements differ according to the card type and applicant category.
1. Khidmah Gold Eligibility Requirements
The bank’s published product information lists the following minimum income requirements for Khidmah Gold.
| Applicant category | Published minimum income or deposit requirement | Experience or other condition |
|---|---|---|
| Salaried employee | Gross monthly salary of BDT 20,000 | At least 3 months with the current employer |
| Self-employed professional | Gross monthly income of BDT 30,000 | At least 1 year of professional practice |
| Businessperson or other applicant | Net monthly income of BDT 50,000 | Generally 1 year for an Islami Bank investment client and 2 years for customers of other banks |
| Deposit-backed applicant | Term or scheme deposit of BDT 50,000 | Subject to the bank’s assessment |
The published age range for the primary applicant is 21–65 years. The bank also states that applicants with more than two credit cards from other banks or financial institutions are not eligible for its Khidmah card.
Review the latest criteria on the official Khidmah Gold page. <Cite refs={[“turn618782search9”]}/>
2. Khidmah Platinum Eligibility Requirements
According to the bank’s published information, the following requirements apply to Khidmah Platinum.
| Applicant category | Published minimum income or deposit requirement | Experience or other condition |
|---|---|---|
| Salaried employee | Gross monthly salary of BDT 70,000 | At least 3 months with the current employer |
| Self-employed professional | Gross monthly income of BDT 70,000 | At least 1 year of professional practice |
| Businessperson or other applicant | Net monthly income of BDT 100,000 | Generally 1 year for an Islami Bank investment client and 2 years for customers of other banks |
| Deposit-backed applicant | Term or scheme deposit of BDT 200,000 | Subject to bank approval |
The published age range for the primary applicant is 21–65 years. The actual credit limit is determined after income verification and the bank’s assessment.
Read the official Khidmah Platinum requirements. <Cite refs={[“turn618782search1”]}/>
3. Prime Bank Visa Hasanah Gold Requirements
Prime Bank’s Visa Hasanah Gold is a Shariah-based, Riba-free credit card operating under the Ujrah concept.
Its published eligibility information includes:
- A valid electronic Taxpayer Identification Number (e-TIN).
- An age range of 18–70 years for the primary cardholder.
- At least six months of employment for salaried applicants.
- At least three years of professional experience for self-employed applicants.
The published maximum credit limit is BDT 700,000 for unsecured credit and BDT 2,500,000 for collateral-backed credit. Approval depends on the bank’s assessment.
See the official Visa Hasanah Gold page. <Cite refs={[“turn114620search1”]}/>
Documents You May Need
Prepare the following documents before applying. The exact list depends on the selected bank and card.
- National ID card (NID).
- Recent photograph, if required.
- e-TIN and latest tax return or tax-related documents, where applicable.
- Salary certificate, recent payslips, or employment ID for salaried applicants.
- Bank statements showing income and financial activity.
- Business registration or other business documents for business applicants.
- Professional certificates or income declarations for self-employed applicants.
- Deposit or security documents for a secured card.
Banks may request additional information during verification. Obtain the final document checklist directly from the issuing bank.
Islamic Credit Card Fees and Charges in Bangladesh
An Islamic credit card is not automatically free of every fee. Banks may charge for card issuance, annual renewal, maintenance, cash withdrawals, replacement cards, statements, and other services, subject to the applicable regulations.
What Do Bangladesh Bank’s 2026 Guidelines Say?
Bangladesh Bank issued its Guidelines on Islamic Credit Card Operations of Banks on 27 September 2026. The directive requires Islamic credit card products, contracts, transactions, fees, charges, and operating processes to comply with Shariah principles and the guideline’s requirements. <Cite refs={[“turn618782search27”]}/>
The News24 report dated 9 October 2026 highlights several important provisions:
- Islamic credit card transactions should follow Qard Hasan and Ujrah-based principles.
- Cash withdrawal fees must be a fixed amount rather than a percentage of the withdrawn amount.
- Customers must be notified at least 30 days before changes to fees or charges.
- Additional money or benefits must not be taken in exchange for providing a Qard-based loan.
- Transactions involving prohibited goods and services must not be permitted under the applicable rules.
Read the original News24 report and the official Bangladesh Bank guideline (PDF).
Fees to Check Before Applying
| Fee or charge | What to confirm |
|---|---|
| Issuance fee | Whether there is a fee for the initial card |
| Annual or renewal fee | The amount payable each year |
| Maintenance fee | Whether recurring maintenance charges apply |
| Cash withdrawal fee | The applicable fixed fee and transaction conditions |
| Late payment terms | What happens if you miss the payment deadline |
| Card replacement fee | The cost of replacing a lost or damaged card |
| Foreign transaction charges | Currency conversion and other applicable charges |
Request the latest schedule of charges and a written explanation of any unclear fee. Do not assume that all charges are waived simply because the card is marketed as interest-free.
How to Apply for an Islamic Credit Card Online
If you are searching for “bank islami credit card apply online,” start by visiting the issuing bank’s official website. Some banks provide online application forms, while others may require a branch visit or additional verification.
The following steps explain the general process.
Step 1: Choose a Bank and Card
Compare available cards based on your income, required credit limit, annual fees, benefits, and repayment terms.
For example, you can review:
Confirm that the card is currently available for new applications.
Step 2: Check Your Eligibility
Review the minimum income, age, employment or business experience, and documentation requirements. Consider whether you can comfortably repay the amount you intend to spend.
The highest advertised credit limit is not necessarily the limit you will receive.
Step 3: Visit the Official Application Page
Open the card’s product page and look for an application link or instructions.
For Islami Bank, start with the official Khidmah card page. For Prime Bank, the Visa Hasanah Gold application page provides an online form for applicants to submit their details.
For MTB, you can visit the MTB Yaqeen Islamic Ujrah Card page and use the available enquiry or application options. <Cite refs={[“turn618782search4″,”turn114620search7″,”turn114620search0”]}/>
Step 4: Complete the Application Form
Enter your personal information, contact details, occupation, income range, NID information, and other requested details.
Check every field carefully before submitting the form.
Step 5: Submit the Required Documents
Provide the requested identification, income evidence, bank statements, e-TIN, and any additional documents specified by the bank.
Use only the bank’s official website, verified application channel, or authorized branch. Never share your card PIN or one-time password (OTP) with another person.
Step 6: Complete the Bank’s Verification Process
The bank may verify your identity, income, employment, financial obligations, and repayment history. It may contact you for clarification or request additional documents.
Submitting an application does not guarantee approval.
Step 7: Review the Approved Limit and Contract
If your application is approved, review the credit limit, fees, repayment deadline, cash withdrawal conditions, and other contractual terms.
Make sure you understand the Shariah-compliant structure and how service charges are calculated before accepting the card.
Step 8: Receive and Activate Your Card
Follow the bank’s instructions to receive and activate the card, set up your PIN, and enable any required online transaction features.
Keep your PIN and other authentication details secure.
Islamic Credit Card Application Checklist
Use this checklist before submitting your application.
- The card is listed on the bank’s official website.
- The bank is accepting applications for the selected product.
- I meet the published age, income, and employment requirements.
- The requested credit limit is appropriate for my income.
- I have reviewed the latest fees and charges.
- I understand the bill payment deadline and repayment rules.
- I have reviewed the Shariah-compliant contract.
- I have prepared the required documents.
- I am applying through an official and secure channel.
Frequently Asked Questions About Islamic Credit Cards
What Is the Best Islamic Credit Card in Bangladesh?
The right choice depends on your income, required credit limit, preferred benefits, and the fees you are willing to pay. Islami Bank Khidmah, Prime Bank Visa Hasanah, and MTB Yaqeen Islamic Ujrah are products worth comparing. Review the current terms of each card before deciding.
What Are the Islami Bank Credit Card Requirements?
For Islami Bank Khidmah cards, the published requirements vary by card type. For example, Khidmah Gold lists a minimum gross monthly salary of BDT 20,000 for salaried applicants, while Khidmah Platinum lists BDT 70,000. Other conditions apply to self-employed professionals, businesspeople, and deposit-backed applicants. Check the official Khidmah card pages for current requirements.
Can I Apply for an Islami Bank Credit Card Online?
Start by visiting the official Islami Bank card page and checking the application instructions for your chosen Khidmah product. If a complete online application option is unavailable for your card, contact the bank or visit an authorized branch.
Can I Apply for a Bank Islamic Credit Card Online?
Some banks provide online forms or enquiry facilities. For example, Prime Bank publishes an online application form for Visa Hasanah Gold. The exact process depends on the issuing bank and the card selected.
Is an Islamic Credit Card Completely Free?
Not necessarily. An Islamic credit card is designed to follow Shariah-compliant financing principles, but annual fees, maintenance charges, and other service fees may apply. Review the current schedule of charges and the contract before applying.
What Is the Maximum Islamic Credit Card Limit in Bangladesh?
There is no single universal limit across all banks. Published limits vary by product and may depend on income, repayment capacity, credit assessment, and collateral. A bank may approve a lower limit than the maximum advertised.
Can I Withdraw Cash Using an Islamic Credit Card?
Some Islamic credit cards allow cash withdrawals, subject to the bank’s conditions and applicable regulations. Check the withdrawal limit and fees before using this facility.
How to Update This Article Every Year
This article is structured for annual updates. To keep it useful and accurate, revise the information rather than simply changing the year in the title.
Annual SEO Update Checklist
- Review the latest Bangladesh Bank guidelines and circulars.
- Confirm which banks currently offer Islamic credit cards.
- Update each card’s name and published credit limit.
- Recheck income, age, and employment requirements.
- Update annual fees, maintenance fees, and cash withdrawal charges.
- Test every official bank and application link.
- Remove outdated products or discontinued application pages.
- Add the latest verified information and an updated publication date.
For a future edition, you can update the title to “Best Islamic Credit Card in Bangladesh 2027” once the relevant 2027 information has been verified.
Choosing the best Islamic credit card in Bangladesh requires more than comparing credit limits. Islami Bank Bangladesh, Prime Bank, and Mutual Trust Bank publish information about Shariah-compliant credit card products, but their eligibility criteria, fees, features, and application procedures differ.
Before applying, check the latest Islami Bank credit card requirements, compare available alternatives, and use the bank’s official website for online applications. Read the contract carefully, confirm all charges, and select a credit limit that suits your financial circumstances.
References
- News24 Bangladesh: Important Guidelines on Interest-Free Islamic Credit Cards
- Bangladesh Bank: Guidelines on Islamic Credit Card Operations of Banks — 27 September 2026 (PDF)
- Islami Bank Bangladesh PLC: Official Credit Card Directory
- Islami Bank Bangladesh PLC: Khidmah Platinum
- Prime Bank PLC: Visa Hasanah Gold
- Prime Bank PLC: Visa Hasanah Platinum
- Mutual Trust Bank PLC: MTB Yaqeen Islamic Ujrah Card
Disclaimer: This article is for general information only and does not constitute financial or religious advice. Product terms and regulatory requirements may change. Confirm current details with the issuing bank before applying.