Cards, Payments & Remittance product evidence directory

CIMB Islamic Bank Berhad

CIMB Platinum-i Credit Card

Tawarruq credit card-i

• The issuer's product page identifies the exact product as the CIMB Platinum-i Credit Card.
• CIMB publishes a minimum annual income requirement of RM24,000.
• The principal and supplementary annual fees are shown as waived, while government service tax and other card charges remain separately applicable.
• The card earns one Bonus Point for each RM1 of eligible spend; redemption and excluded transaction categories remain governed by the current programme terms.
• CIMB's official notice says its Islamic credit cards converted from Ujrah to Tawarruq effective 1 January 2026.

Malaysia product only. A waived issuer annual fee does not remove Malaysian service tax or transaction-specific charges. Bonus-point campaigns, instalment offers, profit charges, minimum payments, and Tawarruq documentation must be checked against the current PDS and cardholder terms.

CIMB Islamic Bank Berhad

CIMB PETRONAS Visa Infinite-i Credit Card

Tawarruq co-branded credit card-i

• The issuer identifies this as the CIMB PETRONAS Visa Infinite-i Credit Card.
• The published minimum annual income is RM120,000, with a lower RM60,000 threshold stated for qualifying CIMB@Work customers.
• Principal and supplementary annual fees are shown as waived, subject to other taxes, fees, and current card terms.
• Cash-rebate rates vary by merchant category, statement balance, monthly cap, and campaign period rather than applying uniformly to every purchase.
• CIMB's official conversion notice includes this named card among products moved from Ujrah to Tawarruq effective 1 January 2026.

Malaysia-only co-branded product. Promotional rebate percentages and airport benefits are conditional and time-limited, not a guaranteed return. Confirm the live eligibility rule, rebate cap, excluded transactions, PDS, profit charges, service tax, and Tawarruq terms before comparison.

Dubai Islamic Bank Public Joint Stock Company

Prime Classic Covered Card

Islamic covered card

• Dubai Islamic Bank's product page identifies the exact product as the Prime Classic Covered Card.
• The page states that the card has no annual fee.
• Cash withdrawal is available up to 80% of the total card limit, subject to the current card terms and charges.
• Balance transfer may use up to 80% of the card limit or 100% of the available cash limit, with a published minimum transfer amount of AED100.
• Credit Shield Takaful is optional and the page publishes a fee and separate maximum-cover limits for specified events.

UAE personal card only. 'No annual fee' does not mean no monthly profit, cash-withdrawal, balance-transfer, foreign-exchange, Takaful, or late-payment consequences. Wala'a earning exclusions and insurance cover are governed by separate current documents.

Dubai Islamic Bank Public Joint Stock Company

DIB SHAMS Signature Covered Card

Islamic covered card

• The issuer's product page names the product DIB SHAMS Signature Covered Card and links a product-specific KFS, terms, fee schedule, and warnings.
• The first-year annual fee is waived; later-year waiver is conditional on at least AED30,000 of annual spend.
• Dining and travel reward earning is capped and applies under the issuer's current eligible-category rules.
• The page states that up to five supplementary cards may be issued without a supplementary-card fee.
• Cash withdrawal may reach 90% of available credit limit and balance transfer has a published AED1,000 minimum, subject to the current KFS and charges.

UAE card only. Welcome rewards, cashback merchants, airport services, fee waivers, and travel cover are conditional or campaign-based. Do not describe the card as permanently free or infer an applicant's cost without the current KFS, schedule of charges, and issued limit.

Qatar Islamic Bank Q.P.S.C. (QIB)

QIB Digital Credit Card

Murabaha digital credit card

• QIB identifies this as a digital-only credit card available through its mobile application.
• The issuer shows no issuance or annual fee for the card.
• The published Murabaha profit rate is 1% and the minimum amount due is 5%, subject to the current card terms.
• QIB publishes a profit-free period of up to 45 days on purchases.
• The fee table distinguishes currency-conversion charges by USD/GCC, GBP/EUR, and other currencies and states a 2% charity fee for unpaid overdue amounts.

Qatar product and dated fee evidence only. Digital availability requires QIB onboarding and approval. A profit-free period depends on repayment conditions; the published monthly Murabaha, charity, FX, cancellation, and dispute charges must not be omitted from a comparison.

Qatar Islamic Bank Q.P.S.C. (QIB)

QIB Infinite Credit Card

Shariah-compliant Visa credit card

• The official page identifies the exact product as the QIB Infinite Credit Card.
• Applicants must be at least 18, reside in Qatar with a valid QID, and hold an active QIB account.
• The application remains subject to income criteria, credit evaluation, and QIB approval.
• The card permits cash access up to the approved credit limit, subject to the fee schedule and issuer controls.
• The page describes Absher earning rates separately for international and domestic eligible purchases and includes travel Takaful subject to its own policy terms.

Qatar-resident product only. The page does not publish one guaranteed credit limit or approval threshold for every applicant. Lounge access, Takaful, purchase protection, reward rates, cash access, and fees require the current card terms and policy documents.

Qatar Islamic Bank Q.P.S.C. (QIB)

QIB Mastercard World Credit Card

Shariah-compliant Mastercard credit card

• QIB's product page identifies the exact product as the Mastercard World Credit Card.
• The card earns Absher points at different published rates for eligible international and domestic transactions.
• The issuer states a profit-free period of up to 45 days, subject to repayment and card terms.
• QIB publishes a 1% monthly profit rate on unpaid balances and a 2% charity fee on overdue outstanding amounts.
• Annual, issuance, and replacement-fee waivers differ for Tamayuz and Private Banking customers and are not universal waivers.

Qatar product only. Fee waivers depend on customer segment; rewards, travel services, Takaful protections, lounge access, and merchant discounts have separate eligibility rules. Confirm the current fee table and issued agreement before cost comparison.

Al Rajhi Banking and Investment Corporation

Al Rajhi Platinum Credit Card

Murabaha credit card

• Al Rajhi describes the Platinum Credit Card as based on Murabaha financing and compliant with its Shariah controls.
• The bank says the financing amount is deposited into the card account for purchases or cash withdrawal.
• The published minimum payment is 5% of the outstanding amount or SAR100, whichever is higher.
• The page publishes a 2.5% fixed monthly profit rate for the specified new-contract events and a 2% international-transaction fee at the verification date.
• Application documents include an existing Al Rajhi account, valid national ID or Iqama, salary letter, and completed application, subject to approval.

Saudi product and point-in-time fee evidence only. Temporary annual-fee campaigns are not treated as permanent. APR varies with the assumed limit and repayment profile; the published monthly rate, cash charges, VAT, rewards, and approval criteria must be rechecked in the current disclosure.

Al Rajhi Banking and Investment Corporation

Al Rajhi Infinite Credit Card

Murabaha credit card

• Al Rajhi identifies the Infinite Credit Card as a Murabaha-financing card operating under the bank's Shariah controls.
• The issuer says cash withdrawal is available locally and internationally up to 30% of the card credit limit.
• The published minimum payment is 5% of the outstanding amount or SAR100, whichever is higher.
• The page publishes a 2.5% fixed monthly profit rate for specified new-contract events and a 2% international-transaction fee at the verification date.
• An existing Al Rajhi account, valid national ID or Iqama, salary letter, completed application, and bank approval are required.

Saudi product only. Welcome points, airport transfers, lounge access, annual-fee campaigns, and other lifestyle services are conditional and can change. Illustrative APR tables are not applicant quotes; verify the current disclosure, VAT, cash fee, repayment horizon, and issued limit.

WorldRemit Ltd

WorldRemit UK money-transfer service

online consumer remittance service

• WorldRemit identifies WorldRemit Ltd as its United Kingdom contracting company.
• The company states that it is FCA-authorised under the Payment Services Regulations and Electronic Money Regulations.
• WorldRemit's UK terms govern transfers placed through its website and app.
• Corridor promotions, delivery methods, fees and foreign-exchange rates are separately conditioned and can change.

UK sender terms only. A live quote is required to establish destination support, funding method, delivery route, fee, FX rate, amount received and arrival estimate. Promotional rates are not permanent product features. No Shariah certification was verified.

HiFX Europe Limited trading as Xe

Xe Money Transfer for UK consumers

consumer foreign-exchange and payment service

• Xe's UK consumer terms identify HiFX Europe Limited as the service provider.
• The terms state that HiFX Europe Limited is FCA-authorised for payment services.
• The service covers foreign exchange in which a sale currency is exchanged for a purchase currency.
• Payment services may send the purchased currency to a third-party account, subject to registration and compliance checks.

UK consumer terms only. Supported currencies, minimums, rate, fee, recipient route and timing depend on the transaction quote and compliance review. Cash pickup has separate terms. No Shariah certification was verified.

Ria Financial Services Limited acting for Euronet Payment Services Limited

Ria UK in-person money transfer

agent-location consumer remittance service

• Ria's UK retail terms identify Ria Financial Services Limited as the contracting service operator.
• Ria states that it acts as agent of Euronet Payment Services Limited.
• The terms identify Euronet Payment Services Limited as FCA-authorised under the Payment Services Regulations.
• The retail agreement applies to transfers made in person rather than app or website transfers.

UK in-person channel only. Digital transfers use separate terms. The receipt and live agent quote determine fee, exchange rate, receive amount, payout method and availability. No Shariah certification was verified.

UKForex Limited trading as OFX

OFX personal money-transfer service (UK)

bank-funded foreign-exchange and payment service

• OFX's legal page identifies UKForex Limited as the United Kingdom operating entity.
• OFX states that UKForex Limited is FCA-regulated for electronic money and payment services.
• Its master agreement covers spot foreign-exchange and same- or cross-currency payment services.
• OFX provides the exchange rate, estimated delivery time and charges when a transaction instruction is placed.
• The terms state that funding is by electronic bank transfer rather than cash, cheque or card.

UK customer agreement only. Each booking is separately binding and has its own currency, amount, recipient, rate, timing and charges. Intermediary fees and delays may apply. No Shariah certification was verified.

MoneyGram International Limited

MoneyGram online money transfer (UK)

online and app consumer remittance service

• MoneyGram's UK terms identify MoneyGram International Limited as the online-service provider.
• The service is available to people aged 18 or over and is restricted to lawful personal transfers.
• Depending on destination availability, delivery may include cash pickup, account deposit, mobile wallet or home delivery.
• The acceptance confirmation states the receive amount, fee, exchange rate, reference number and execution time.
• Transfers may be funded using offered card or payment methods or cash at a selected agent location.

UK online/app service only. Destination availability, funding, payout, fee, exchange rate, limits, timing and identity checks vary per transfer and must be read from the acceptance confirmation. No Shariah certification was verified.