IBBL Khidmah Mastercard World Credit Card Features Services in Bangladesh

IBBL Khidmah Mastercard World Credit Card is an exclusive premium Shariah-compliant credit card offered by Islami Bank Bangladesh PLC under the Islamic banking principle of Ujrah, which follows a fixed-fee-based service structure. Powered by the global Mastercard payment network, this card is designed for customers seeking international payment convenience, premium travel privileges and exclusive lifestyle benefits. It supports eligible domestic and international transactions, shopping, dining and online purchases through dual-currency functionality, subject to applicable foreign exchange regulations and bank policies. With its premium features and global acceptance, it is particularly suited to frequent travellers and customers looking for enhanced banking and lifestyle services.

One of the most attractive features of Khidmah Mastercard World is complimentary access to more than 1,500 airport lounges across 120 countries and 400 airports through the LoungeKey application. Eligible cardholders receive four complimentary lounge visits per year, which can be used at participating international airport lounges and the Balaka Executive Lounge at Hazrat Shahjalal International Airport, Dhaka. The card also offers year-round buy-one-get-one, buy-two-get-one and other complimentary buffet lunch or dinner promotions at selected five-star hotels in Bangladesh, subject to promotional conditions. Additional lifestyle privileges include discounts at more than 1,000 partner outlets and cashback offers on selected occasions.

For financial flexibility, the card offers a credit limit ranging from BDT 2,00,000.00 to BDT 5,00,000.00, subject to the bank's income assessment and approval. Cardholders can enjoy a charge-free period of up to 45 days on eligible purchases and 0% EMI facilities for up to 36 months at more than 250 participating merchants. Other facilities include cash withdrawals of up to 50% of the sanctioned credit limit, up to three supplementary cards with the first supplementary card free, and global payment facilities. Customers can also settle their credit card bills through CellFin, mCash, i-Banking, CRM facilities and Islami Bank branches and sub-branches.

The annual or renewal fee for Khidmah Mastercard World is BDT 7,000.00, while the monthly maintenance fee is BDT 5,200.00 when the outstanding balance exceeds BDT 100.00. The annual fee can be waived by completing at least 18 eligible POS or e-commerce transactions or making qualifying purchases totalling BDT 2,00,000.00 within a year. A 15% VAT applies to applicable fees and charges. Combining Shariah-based banking principles, international airport lounge access, premium hotel dining privileges, merchant discounts and flexible installment facilities, Khidmah Mastercard World offers a comprehensive premium credit card experience for eligible customers in Bangladesh.

Features & Facilities

• Attractive discounts at 1,000+ brand outlets.
• Attractive cashback on various occasions.
• Upto 36 months 0% EMI facility in 250+ brand merchants.
• Free access to 1,500+ airport lounges worldwide across 120+ countries and 400+ airports through the LoungeKey App.(4 visits a year).
• 'Buy 1 Get 1/2/3....free' buffet lunch/ dinner at selected domestic five-star hotels (2 times a year).
• Globally usable/ dual currencies.
• Upto 3 supplementary cards, first one free.
• Cash withdrawal upto 50% of sanctioned limit.
• Lowest service charges.
• Charge Free facility up to 45 days.
• Annual fee will be waived for minimum 18 POS/e-Com transactions or BDT 2,00,000.00 POS/e-Com purchase yearly.
• Bills can be paid through Cellfin, mCash, i-banking, CRM and any branch/ sub-branch.

Credit Limits

• Minimum Limit: BDT 2,00,000.00/ Equivalent USD
• Maximum Limit: BDT 5,00,000.00/ Equivalent USD

Fees & Charges

• Issuance Fee: Free
• Annual/ Renewal Fee: BDT 7,000.00
• Monthly Maintenance Fee: BDT 5,200.00
• Account Service Fee/ Late Payment Fee: BDT 1,000.00
• Excess Limit Usage Fee: BDT 1,000.00
• Card Replacement Fee: BDT 1,000.00
• PIN Replacement Fee: BDT 100.00
• ATM/CRM Cash Withdrawal Charge (Per Transaction): BDT 200.00
• SMS Charge (Yearly): BDT 200.00
• Add Money to CellFin/ mCash: 1%
• Send Money to Other MFS: 2%

N.B.: 15% VAT will be applicable for all types of Fees & Charges.

Requirements

• Common Documents
  • Application Form (Duly filled-up & signed)
  • National ID
  • Lab printed recent photograph
  • Latest Tax Return
• Salaried Persons
  • Salary Certificate
  • Bank Statement (Last 6 months)
  • Service ID Card
• Self-Employed Persons
  • Income Declaration on Personal Pad
  • Professional Certificate
  • Bank Statement (Last 1 year)
  • Visiting Card
• Businessmen
  • Only for IBB PLC investment clients
  • Business proof focuments
  • Bank Statement (Last 1 year)
  • Visiting Card

About Islami Bank Bangladesh PLC

Islami Bank Bangladesh PLC (IBBL) is one of the leading commercial banks in Bangladesh and the country's first Shariah-based scheduled commercial bank. Established on 13 March 1983, the bank introduced Islamic banking in Bangladesh, offering financial services based on Islamic Shariah principles. Its banking operations follow principles such as Mudaraba, Musharaka and Murabaha, providing alternatives to conventional interest-based banking. The bank is listed on both the Dhaka Stock Exchange (DSE) and Chittagong Stock Exchange (CSE).

IBBL offers a comprehensive range of banking services for individuals, businesses, corporate organisations and entrepreneurs. Its services include savings and current accounts, Mudaraba term deposits, monthly savings schemes, foreign currency accounts, remittance services, investment financing, SME investment, agricultural financing and corporate banking. The bank also provides debit and credit cards, ATM and cash deposit facilities, trade finance, export-import services, locker facilities and foreign exchange services. Its investment products support various personal, commercial, industrial and agricultural financing needs.

To make banking more accessible, Islami Bank provides digital and technology-based services through CellFin, iBanking and mCash mobile financial services. Customers can access account information, transfer funds, make payments and perform various banking transactions through supported digital channels. Its extensive network of branches, sub-branches, ATMs and agent banking outlets helps extend financial services to urban and rural communities across Bangladesh. Through Islamic microfinance, remittance services and specialised savings and investment schemes, IBBL also contributes to financial inclusion and economic development.