بطاقة فيزا كلاسيك الإسلامية بتلبي احتياجاتك اليومية

Islamic Visa Classic Credit Card 

Whether you use it while traveling, shopping, or settling your payments, expenses, and service needs, this card gives you the freedom to pay at millions of stores and points of sale locally and worldwide. You can rely on it to meet your various daily needs with ease.

The card also enables you to withdraw cash from millions of ATMs available in more than 200 countries around the world. It is the ideal solution for secure and convenient everyday shopping, as well as cash withdrawals to meet your daily needs effortlessly.

Card Uses

• Purchases through points of sale and online.
• Cash withdrawals from ATMs (up to 20% of the card limit).
• Access to other services offered by the card (depending on the features of each card type).

Card Features

• Sharia-compliant card
• Accepted at millions of points of sale (P.O.S.) locally and worldwide.
• Ability to select the installment period through mobile banking.
• Contactless payment feature, allowing purchases by simply tapping the card at the point of sale without entering a PIN.
• Secure online shopping through 3D Secure authentication.
• SMS notifications for every withdrawal or purchase transaction.
• Possibility of issuing supplementary cards linked to the primary card.
• Installment plans available for up to 24 months. 

Terms and Conditions

• The card may be used for installment purchases in prepaid transactions only; payment must be completed prior to benefiting from the purchased goods.
• The card may be used for postpaid transactions without benefiting from the installment service, provided that the full amount is settled by the end of the card’s billing cycle.
• The card may be used in the services sector without installment benefits, with the full amount payable by the end of the billing cycle, including:
  • Hotels, hospitals, and medical clinics.
  • Internet services, call minutes, and mobile top-ups.
  • Schools, universities, and academic or vocational institutes.
• The card may not be used for installment payments on postpaid transactions or to settle any prior or existing financial obligations, including bills, checks, promissory notes, taxes, or any other financial claims.
• The card may not be used to purchase goods or services that are not permissible under Sharia.
• The full card limit may be used for installment transactions.
• The maximum installment period is 24 months.
• The default installment period is 12 months.
• The monthly Murabaha rate is 1%, calculated on the actual utilized installment amount.
• The minimum purchase amount eligible for installment is USD 30.
• Cash withdrawals from ATMs are not eligible for installment plans and must be fully settled by the end of the billing cycle.
• The monthly statement is issued on the 26th of each month.
• The card is subject to the bank’s terms and conditions.