IBBL Khidmah Visa Signature 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 annual or renewal fee cell prints Tk. 7,000. The monthly maintenance fee is Tk. 5,200. The excess-limit charge is Tk. 1,000, the card replacement fee is Tk. 1,000, the PIN replacement fee is Tk. 1,000, and the yearly SMS fee is Tk. 200. The page says the annual fee is waived for a minimum of 18 POS or e-commerce transactions, or Tk. 200,000 of POS or e-commerce purchases, in a year. It prints Tk. 5,00,000, or the equivalent in US dollars. 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.