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Shariah Board

VISA MISLAMIC GOLD Card

Debit card compliant with Sharia principles

VISA MISLAMIC GOLD Card
Free issue
Free issue

Free replenishment
Free replenishment

3D-Secure protection
3D-Secure protection

Contactless payment
Contactless payment

Why are there service fees for Islamic accounts?

Discover the opportunities offered by VISA MIslamic

Discover the opportunities offered by VISA MIslamic

We offer you a unique financial product that is not only convenient to use, but also aligned with your spiritual values.

Shariah compliance
Shariah compliance

All transactions and conditions comply with Shariah standards (AAOIFI)

Transparent terms
Transparent terms

We guarantee full transparentcy and honesty at every step

Convenience and accessibility
Convenience and accessibility

The ability to make purchases and pay for services both offline and online

More about Card

Annual maintenance

1st year – free / 8 USD / 6 EUR

Subsequent years: 500 som / 8 USD / 6 EUR per year


Card currency

KGS / USD / EUR

Validity period

6 years

Irreducible balance

Absent

Availability time

In 5 working days

Daily limits

Parameters

KGS

USD

EUR

For cash withdrawal by card

250 000

2 500

2 300

For non-cash transactions

250 000

2 500

2300

Limit on the number of transactions

50

50

50

How to open a card - 3 easy steps

1

Open MIslamic mobile banking in the MBANK app

2

Select the section “Order a card”

3

Apply for a MISLAMIC GOLD card

Order a card

More about Islamic principles of finance

What types of bank cards are there?

VISA MISLAMIC GOLD, VISA MISLAMIC VIRTUAL, VISA PREMIUM, VISA INFINTY

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Is cashback and participation in the MBonus loyalty program Sharia-compliant?

Yes. Cashback and bonuses received for using the bank’s products or services are considered gifts to the client, and thus permitted under Sharia.

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Why are there service fees for Islamic accounts?

The bank incurs actual costs for account opening and maintenance. To cover these, it is allowed to charge service fees.

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Can I order an MIslamic card online?

Yes. The MIslamic Gold card can be ordered via the MBANK mobile app. You can also open a virtual card (MIslamicVirtual) in various currencies.

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How is a QARD account different from conventional accounts?

 Credit (loan) funds cannot be deposited.  No interest is paid on the balance.  Funds cannot be used in non-Sharia-compliant businesses

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What is a QARD account?

A QARD account is a demand deposit account opened in accordance with Islamic principles

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