IBBL Khidmah Platinum Credit Card

The product page does not print a date. Islami Bank Declared Investment Profit Rate by Economic Sector is effective from 9 March 2026 and prints credit and Khidmah cards as N/A, so no profit rate is stored. The page says 15% VAT applies to all fees and charges. The issuance fee cell prints Free. The annual or renewal fee cell prints Tk. 3,000. The monthly maintenance fee is Tk. 2,500 if the outstanding balance remains over Tk. 100. The excess-limit fee is Tk. 750, the card replacement fee is Tk. 600, the yearly SMS charge is Tk. 200, the duplicate statement fee is Tk. 500, and the PIN replacement fee is Tk. 100. Paying the Khidmah card bill from Visa, Mastercard, or UnionPay is Tk. 35 per transaction. The page says the annual fee is waived for a minimum of 18 POS or e-commerce transactions, or Tk. 100,000 of POS or e-commerce purchases, in a year. The page says the charge-free facility is up to 45 days. Profit sheet: https://www.islamibankbd.com/public/assets/Share-Profit-CurrencyRate/Rate-Return-Investment/1773288006_DeclaredInvestmentProfitRate090326.pdf Confirm the current rate with the institution before comparing.