Islami Bank Bangladesh PLC Visa Khidmah Card – (Silver): All You Need to Know About Charges
If you’re considering getting an IBBL Visa Khidmah Card (Silver), it’s important to understand the associated charges. This card offers a range of benefits and features, but it’s crucial to be aware of the fees that come with it. In this blog post, we’ll break down the charges for the IBBL Visa Khidmah Card (Silver) and provide you with a clear overview.
Key Features
- Shariah-Compliant Card: Adheres to the ‘Ujrah Concept’ with a fixed fee structure.
- Global Usability: Enjoy usage privileges worldwide.
- Risk-Free Purchasing: No associated risks in transactions.
- Convenient Bill Payments: Pay for gas, electricity, and WASA bills hassle-free.
- Exclusive Shopping & Travel Benefits: Access discounts within the VISA global network.
- Booking Services: Arrange hotel and hospital stays, bus, train, and airplane tickets.
- Discounts at Superstores: Exclusive savings on purchases.
- Low Fees: Benefit from the lowest charges.
- First Supplementary Card Free: Additional card at no extra cost.
- Card Cheque Facility: Enables the use of card cheques.
- Advance Salary Facility: Access advance salary services.
Charges for IBB PLC Visa Khidmah Card (Silver)
| Sl. | Nature of Charges | Amount |
|---|---|---|
| 1 | Credit Limit | Tk. 30,000/- to Tk. 1,00,000 |
| 2 | Card Renewal Fee (annual) | Tk. 1,500 |
| 3 | Monthly Maintenance Fee (if outstanding balance is over Tk. 100) | Tk. 500 |
| 4 | Late payment fee | Tk. 500 |
| 5 | Excess Limit usage fee | Tk. 500 |
| 6 | Card Replacement Fee | Tk. 300 |
| 7 | Issuance fee | Free |
| 8 | ATM/CRM Cash Withdrawal Fee | Tk. 170.00 per transaction |
| 9 | SMS Charge | Tk. 200.00 per year |
| 10 | Duplicate Statement Fee | Tk. 500 |
| 11 | Fund Transfer to IBBL A/C /Cellfin/ NPSB/VISA | 0.70% of Transaction Amount |
| 12 | Transfer for Funding through eCom | 0.50% of the Transaction amount |
| 13 | PIN Replacement Fee | Tk. 100 |
Frequently Asked Questions (FAQs) for IBB PLC Visa Khidmah Card (Silver)
Q1: What is the IBBL Visa Khidmah Card (Silver)?
A1: The IBBL Visa Khidmah Card (Silver) is a credit card offered by Islami Bank Bangladesh Limited (IBBL) with various features and benefits, including convenient payment options, credit limits, and access to a wide range of merchant outlets and ATMs.
Q2: How much is the annual card renewal fee?
A2: The annual card renewal fee for the IBBL Visa Khidmah Card (Silver) is Tk. 1,500.
Q3: Is there a charge for late payments?
A3: Yes, a late payment fee of Tk. 500 is applied for overdue payments.
Q4: What is the fee for monthly maintenance, and when is it applicable?
A4: If your outstanding balance exceeds Tk. 100, a monthly maintenance fee of Tk. 500 is charged.
Q5: What is the fee for exceeding the credit limit?
A5: Exceeding the approved credit limit will result in a Tk. 500 excess limit usage fee.
Q6: How much does it cost to replace a lost or damaged card?
A6: To replace a lost or damaged card, you’ll be charged Tk. 300.
Q7: Is there an issuance fee for the IBBL Visa Khidmah Card (Silver)?
A7: No, the issuance of the card is free of charge.
Q8: What is the fee for ATM/CRM cash withdrawals?
A8: For each cash withdrawal at an ATM or CRM, there is a fee of Tk. 170.00.
Q9: What is the SMS charge for this card?
A9: The annual SMS charge for the IBBL Visa Khidmah Card (Silver) is Tk. 200.00.
Q10: How much is the fee for requesting a duplicate statement?
A10: The fee for requesting a duplicate statement is Tk. 500.
Q11: What is the fee for fund transfers to IBBL A/C, Cellfin, NPSB, or VISA?
A11: Fund transfers to IBBL A/C, Cellfin, NPSB, or VISA incur a fee of 0.70% of the transaction amount.
Q12: What is the fee for transfer through eCom funding?
A12: When transferring for funding through eCom, a fee of 0.50% of the transaction amount is charged.
Q13: How much does it cost to replace a PIN for the card?
A13: The fee for PIN replacement is Tk. 100.