IBBL Khidmah VISA Signature Credit Card Features Services in Bangladesh

Khidmah Visa Signature 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 customers seeking premium financial and lifestyle privileges through Islamic banking, the card operates on the global Visa payment network and supports eligible domestic and international transactions through dual-currency functionality. It provides convenient payment facilities for shopping, dining, travel and online purchases, subject to applicable foreign exchange regulations and bank policies. With its premium benefits and international usability, it is particularly attractive to frequent travellers and customers looking for enhanced lifestyle services.

One of the standout features of Khidmah Visa Signature is complimentary access to more than 1,500 airport lounges across over 120 countries 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, subject to the bank's conditions. The card also offers attractive buy-one-get-one, buy-two-get-one and similar complimentary buffet lunch or dinner promotions at selected five-star hotels in Bangladesh, with eligible offers available twice a year. Additional lifestyle benefits include discounts at more than 1,000 partner brand outlets and cashback promotions on selected occasions.

For everyday financial convenience, the card provides 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 up to 45 days of charge-free credit 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, global payment facilities and convenient bill settlement through CellFin, mCash, i-Banking, CRM services and Islami Bank branches or sub-branches.

The annual or renewal fee for Khidmah Visa Signature is BDT 7,000.00, while the monthly maintenance fee is BDT 5,200.00. 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 within a year. A 15% VAT applies to applicable fees and charges. Combining Shariah-based banking principles, international airport lounge privileges, premium hotel dining offers and flexible instalment facilities, Khidmah Visa Signature provides an attractive premium 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.
• Free access to 1,500+ airport lounges worldwide across 120+ countries and 400+ airports through the LoungeKey App.(4 times 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 Limit

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

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.