IBBL Khidmah Priority Platinum Credit Card Features Services in Bangladesh

IBBL Khidmah Priority Platinum Credit Card is a 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. Designed for financially established customers seeking flexible payment facilities and premium lifestyle benefits, the card provides global payment privileges through its international payment network. It supports eligible domestic and overseas purchases, shopping, utility bill payments and online transactions, subject to applicable foreign exchange regulations and bank policies. With a higher credit limit than the standard Khidmah Platinum card, it offers additional financial flexibility for eligible professionals, business owners and salaried individuals.

One of the major attractions of Khidmah Priority Platinum is its complimentary access to the Balaka Executive Lounge at Hazrat Shahjalal International Airport, Dhaka, with two free visits per year. Cardholders can also enjoy up to 36 months of 0% EMI facilities at more than 250 participating merchant outlets. Other lifestyle benefits include buy-one-get-one or other complimentary buffet dining offers at selected five-star hotels in Bangladesh, attractive discounts at more than 1,000 partner outlets and cashback promotions on selected occasions. The card also provides global usage and dual-currency payment facilities for eligible international transactions.

For everyday financial convenience, the card offers a maximum credit limit of BDT 5,00,000.00, with the actual sanctioned amount determined by the bank based on the applicant's income and financial profile. Customers can withdraw cash up to 50% of their approved credit limit and obtain up to three supplementary cards, with the first supplementary card free. An interest-free or charge-free period of up to 45 days is available on eligible purchases. Cardholders can also pay utility bills and settle their credit card dues through CellFin, mCash, i-Banking, CRM facilities and Islami Bank branches and sub-branches.

The card is available to eligible applicants aged 21-65 years. The minimum monthly income requirement is BDT 1,00,000.00 for salaried individuals and self-employed professionals, while business applicants generally require a minimum monthly net income of BDT 1,50,000.00. Deposit holders may also qualify with eligible term or scheme deposits of at least BDT 3,00,000.00. The issuance fee is free, while the annual or renewal fee is BDT 4,000.00. This annual fee 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, airport lounge privileges and premium merchant discounts, Khidmah Priority Platinum offers an attractive 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 2 Balaka Lounge visits 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 5,00,000.00, 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 4,000.00
• Monthly Maintenance Fee (if outstanding balance remains over BDT 100.00): BDT 3,600.00
• Late Payment Fee: BDT 750.00
• Excess Limit Usage Fee: BDT 750.00
• Card Replacement Fee: BDT 800.00
• 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 1,00,000.00 with at least 3 months working with current organization.
• Self Employed Professionals: Monthly gross income of BDT 1,00,000.00 with at least 1 year in profession.
• Business Persons/ Others: Monthly net income of BDT 1,50,000.00 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 3,00,000.00.

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.