IBBL Khidmah Platinum Credit Card Features Services in Bangladesh

Khidmah Platinum Credit Card is a 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. Designed for customers seeking Islamic banking facilities with greater purchasing flexibility, the card provides global payment privileges through its supported international payment network. It can be used for eligible domestic and international purchases, shopping, utility bill payments and online transactions, subject to applicable foreign exchange regulations and bank policies. With its higher credit limit and additional lifestyle benefits, Khidmah Platinum is suitable for eligible professionals, business owners and financially established customers.

The card offers a maximum credit limit of BDT 3,00,000.00, with the actual sanctioned limit determined by the bank according to the applicant's income and financial profile. 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 benefits include attractive discounts at more than 1,000 partner outlets, cashback offers on selected occasions and buy-one-get-one or additional complimentary buffet dining offers at selected five-star hotels in Bangladesh. The card also provides one complimentary annual visit to the Balaka Executive Lounge at Hazrat Shahjalal International Airport, Dhaka.

Additional facilities include cash withdrawals of up to 50% of the sanctioned credit limit, dual-currency transactions, payment of gas, electricity and WASA bills, and up to three supplementary cards, with the first supplementary card free. Customers can conveniently settle their card bills through CellFin, mCash, i-Banking, Customer Relationship Management (CRM) facilities and Islami Bank branches or sub-branches. The card also supports add-money facilities to CellFin and mCash, along with other eligible digital payment services. Its global usability makes it a practical payment option for customers who need both domestic and international transaction facilities.

Khidmah Platinum is available to eligible applicants aged between 21 and 65 years. The minimum monthly income requirement is BDT 70,000.00 for salaried and self-employed professionals, while business applicants generally need a minimum monthly net income of BDT 1,00,000.00. Applicants must also meet the bank's employment, professional experience and documentation requirements. The card issuance fee is free, while the annual or renewal fee is BDT 3,000, which can be waived by completing at least 18 eligible POS or e-commerce transactions or making qualifying purchases totalling BDT 1,00,000.00 annually. Combining Shariah-based banking principles, flexible instalment facilities, merchant discounts and airport lounge privileges, Khidmah Platinum offers a premium Islamic credit card solution 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.
• Yearly 1 Balaka Lounge visit free.
• 'Buy 1 Get 1/2/3....free' buffet lunch/dinner at selected domestic five-star hotels (1 time 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 1,00,000.00 POS/e-Com purchase yearly.
• Bills can be paid through Cellfin, mCash, i-banking, CRM and any branch/sub-branch.

Credit Limit

Maximum limit is upto BDT 3,00,000.00, but actual limit will be sanctioned as per the following:

• Salaried Individuals: 3 times of gross salary
• Self Employed/ Professionals: 3 times of gross income
• Business Individuals/ Others: 2 times of net income
• Individual secured by deposit: 100% of security amount

Fees & Charges

• Issuance Fee: Free
• Annual/ Renewal Fee: BDT 3,000.00
• Monthly Maintenance Fee (if outstanding balance remains over BDT 100.00): BDT 2,500.00
• Late Payment Fee: BDT 750.00
• Excess Limit Usage Fee: BDT 750.00
• Card Replacement Fee: BDT 600.00
• Issuance Fee: Free
• PIN Reset Fee: BDT 100.00
• ATM/CRM Cash Withdrawal Charge (Per Transaction): BDT 170.00
• SMS Charge (Yearly): BDT 200.00
• Duplicate Statement Fee: BDT 500.00
• Add Money to CellFin/mCash: 1%
• Send Money to Other MFS: 2%
• Payment of Khidmah Card bill from VISA/MC/UPI (per transaction): BDT 35.00

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

Eligibility

• Age Limit:
  • 21 to 65 years for card applicants.
  • Minimum 18 years for supplementary users.
• Salaried Persons: Monthly gross salary of BDT 70,000.00 with at least 3 months working with current organization.
• Self Employed Professionals: Monthly gross income of BDT 70,000.00 with at least 1 year in profession.
• Business Persons/ Others: Monthly net income of BDT 1,00,000.00 with at least 1 year for IBBPLC investment client. or at least 2 years for other banks.
• Deposit Clients: Term/scheme deposit balance is BDT 2,00,000.00.

Disqualification

Person having more than 2 credit cards from other Banks/FIs is not eligible to avail this Khidmah Platinum 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.