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Shari’ah-Compliant Credit

BML Islamic Credit Cards

Shari’ah-Compliant Credit
With Clarity and Control

Enjoy the flexibility of a credit card while staying true to Islamic values. The BML Islamic Credit Card is based on the Ujrah (fee-based) concept, offering a transparent, interest-free way to manage your purchases with global acceptance.

100% Shari’ah-Compliant

No interest, no late fees, and no compound charges — ever.

Instant credit limit approval

Available for customers with 12 months of consecutive BML payroll and a good credit history.

Accepted Worldwide

Accepted at POS terminals, online platforms, and ATMs around the world.

up to 51-days charge free

You can enjoy up to 51-days charge free and minimum payment requirement of 5% of your monthly balance.

Choose the Card
That Fits You
Check If
You are Eligible

  • Minimum income requirement: MVR 4,000
  • Income must be routed to BML regularly for the past 6 months.
  • Satisfactory performance of existing facilities.
  • For new BML Islamic USD credit card requests, income must be earned in USD. Limit will be based on the USD income.
  • For BML Islamic USD cards, repayments must be in USD
  • Minimum income requirement: MVR 23,000
  • Income must be routed to BML regularly for the past 6 months.
  • Satisfactory performance of existing facilities.
  • For new BML Islamic USD credit card requests, income must be earned in USD. Limit will be based on the USD income.
  • For BML Islamic USD cards, repayments must be in USD

Terms and Conditions will apply

  • Minimum income requirement: MVR 45,700
  • Income must be routed to BML regularly for the past 6 months.
  • Satisfactory performance of existing facilities.
  • For new BML Islamic USD credit card requests, income must be earned in USD. Limit will be based on the USD income.
  • For BML Islamic USD cards, repayments must be in USD

Terms and Conditions will apply

  • Minimum income requirement: MVR 127,000
  • Income must be routed to BML regularly for the past 6 months.
  • Satisfactory performance of existing facilities.
  • For new BML Islamic USD credit card requests, income must be earned in USD. Limit will be based on the USD income.
  • For BML Islamic USD cards, repayments must be in USD

Terms and Conditions will apply

BML Islamic Classic Card
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BML EasyPay for

American Express Cards

With our American Express credit cards, you can also take advantage of our easy installment plan EasyPay to pay for goods in installments at participating merchants.

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BML Rewards

Your Everyday Spending

Rewarded

BML Rewards is Bank of Maldives rewards platform where you earn points for using your credit cards for purchases.

Explore
the Differences
Credit Limit
Above MVR 380,250
Above MVR 480,250
Above MVR 480,250
Interest on Rollover
2% per month
2% per month
2% per month
Joining Fee
MVR 1,350
MVR 1,350
MVR 1,350
Annual Fee
MVR 2,250
MVR 2,250
MVR 2,250
Supplementary / Additional Card Annual Fee
MVR 1,350
MVR 1,350
MVR 1,350
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Offers & Benefits

Live the Lifestyle

You Deserve

Unlock exclusive travel, shopping, and lifestyle deals tailored for BML Islamic Credit Card holders. Enjoy curated perks that match your everyday needs and special moments.

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Travel with Peace of Mind

Complimentary Travel Takaful

Wherever you’re headed, we’ve got you covered. Our Travel Takaful is designed to support your journey, offering protection exclusively for BML Islamic Credit Cardholders.

How to Apply

Online

BML

Via BML Mobile app or Website

Login to our mobile app or sign in using our website, go to services and apply.

Receive SMS

You will receive an SMS from us when your card is ready for collection. Please visit the branch mentioned in the SMS to collect your card during banking hours. If you would like to collect your card from another branch, please let us know through Internet Banking or submit a letter to the nearest BML branch.

In Person

BML

Find Nearest Branch

Visit your nearest branch and submit the completed application form along with required documents.

Available Branches

  • Hulhumale’
  • Hithadhoo
  • Gan
  • Mahibadhoo
  • Kulhudhuffushi
  • Eydhafushi

Downloads

BML Islamic - Credit Card Application Form

pdf · 972.21 KB

BML Islamic - Credit Card Supplementary Application Form

pdf · 965.59 KB

BML Islamic - Credit Limit Increase Application Form

pdf · 211.15 KB

BML Islamic - Card Transaction Dispute Form

pdf · 123.38 KB

FAQ - BML Islamic American Express Credit Card

pdf · 233.16 KB

FAQ - BML Islamic USD Visa Credit Card

pdf · 247.91 KB

FAQ - BML Islamic Visa Infinite Credit Card

pdf · 249.65 KB

Credit Card Conversion Application Form

pdf · 304.21 KB