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For individuals
For business
Shariah Board
VISA MISLAMIC GOLD Card
Debit card compliant with Sharia principles
Free issue
Free replenishment
3D-Secure protection
Contactless payment
Why are there service fees for Islamic accounts?
Откройте для себя возможности, которые предлагает VISA MIslamic
Мы предлагаем вам уникальный финансовый продукт, который не только удобен в использовании, но и соответствует вашим духовным ценностям
Shariah compliance
All transactions and conditions comply with Shariah standards (AAOIFI)
Transparent terms
We guarantee full transparentcy and honesty at every step
Convenience and accessibility
The ability to make purchases and pay for services both offline and online
More about
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
Card reissue
1. Go to the Bank branch with your passport; 2. Write an application for reissuing the card
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
More about Islamic principles of finance
What types of bank cards are there?
VISA MISLAMIC GOLD, VISA MISLAMIC VIRTUAL, VISA PREMIUM, VISA INFINTY
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.
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.
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.
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.
What is a QARD account?
A QARD account is a demand deposit account opened in accordance with Islamic principles.