A Shariah Compliant Card Based on “Ujrah Concept” (fixed fee based concept). Global usage privilege. No risk is associated in buying. Payment of gas, electricity and WASA bill
Maximum limit: Tk. 200,000/-
But actual limit will be sanctioned as per the following:
|
Type of Individual |
Limit (upto) |
|
Salaried Individual |
3 times of Gross Salary |
|
Self Employed/Professional |
3 times of Gross Income |
|
Business Individual/Other |
2 times of Net Income |
|
Individual secured by deposit |
100% of security amount |
*Income will be verified and determined by the Bank official
|
Sl. |
Particulars |
Fees & Charges |
|
1 |
Issuance Fee |
Free |
|
2 |
Annual/Renewal Fee |
Gold 1: Tk.1,500 Gold 2: Tk. 2,000 |
|
3 |
Monthly Maintenance Fee (if outstanding balance remains over Tk.100) |
Gold 1: Tk. 1,000 Gold 2: Tk.1,500 |
|
4 |
Late Payment Fee |
Tk. 500 |
|
5 |
Excess Limit Usage Fee |
Tk. 500 |
|
6 |
Card Replacement Fee |
Gold 1: Tk. 300 Gold 2: Tk. 400 |
|
7 |
PIN Reset Fee |
Tk. 100 |
|
8 |
ATM/CRM Cash Withdrawal Charge (Per Transaction) |
Tk. 200 |
|
9 |
SMS Charge (Yearly) |
Tk. 200 |
|
10 |
Add Money to CellFin/mCash |
1% |
|
11 |
Send Money to Other MFS |
2% |
N.B. 15% VAT will be applicable for all types of Fees & Charges
|
Individual type |
Income requirement
|
Length of service/practice |
|
|
Salaried Person |
Monthly Gross Salary |
20,000/- |
3 Months with current organization. |
|
Self Employed Professional |
Monthly Gross Income |
30,000/- |
1 Year |
|
Business person / Other |
Monthly Net Income |
50,000/- |
1 year for IBBPLC investment Client 2 Years for Other Banks |
|
Deposit client |
Term/scheme deposit balance |
50,000/- |
|
Age limit: 21 to 65 years for Card Applicant
Minimum 18 years for supplementary users
*Person having more than 2 credit cards from other Banks/FIs is not eligible to avail IBBL Khidmah Card.
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