Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
BISB - Gold Visa Card BISB - Gold Visa Card Minimum Salary: BHD 3,000 Salary Transfer: No Islamic Finance: Yes Cashback: No Annual Fee: BHD 1,500 Rate: 0%
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BisB provides credit cards that are fully compatible with the principles of Shari’a. Your card can be used worldwide where there is a Visa sign on the windows of shops or retail outlets, hotels, websites and other premises. Cardholders can also make cash withdrawals at more than a million ATMs and financial institutions all over the world.

Benefits:
  • Most competitive fees in the market.
  • Attractive discounts and seasonal offers from local and regional merchants.
  • Lifetime Aramex Shop and Ship membership for BD5 only (Discounted from BD17).
  • Convenient payment channels through Cash or cheque.
  • Direct debit service.
  • Online through the Internet Banking Services or Benefit Payment Gateway at www.ebisb.com
  • Through selected BisB ATMs.
  • Cash withdrawal transactions up to 50% of the credit limit.
  • Minimum amount to be paid by the customer is 5% of the outstanding balance subject to a minimum of BD10/-.
  • No Annual Subscription Fees on the main and supplementary cards.
  • Free unlimited supplementary cards.
  • Free SMS notifications of your transactions.
  • 25 days grace period.
Additional Information
Eligibility:
  • Age of Applicant: 21 years of age at the time of application.
  • Minimum Work Experience: 4 Months.
  • Maximum DSR (Debt Service Ratio): The total debts of the customer including all existing instalments, new instalment and 5% of the credit card and overdraft limits, should not: 
  • exceed 50% of the monthly income for individuals with salaries of BD3,000 per month or less.
  • exceed 60% of the monthly income for individuals with salaries above BD3,000 per month.
Required Documents:
Employed:

If you are an employee of an organization or institution, you will require the following documents:

  • Two valid Identifications.
  • Latest 3 months Pay Slip.
  • Latest 3 months Bank Statement.
  • Latest Salary Certificate.
  • Residence Permits (non-Bahraini individuals).
  • Signed Promissory Note.
  • Signed Credit Report Bureau (CRB - Benefit) form.
Self Employed:

If you are self-employed, you will require the following documents:

  • Two valid Identifications.
  • The Commercial Registration (CR).
  • Latest 6 months Business Bank Statement.
  • Memorandum and Articles of Association.
  • Signed Promissory Note.
  • Signed Credit Report Bureau (CRB - Benefit) form.
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