Standard Bank Shari'ah Banking Diners Club Shari'ah Charge Card (Standard Bank)

South Africa's only certified Shari'ah-compliant payment card of its kind: a Diners Club charge card issued within the Standard Bank group and listed on the Shari'ah Advisory Committee's signed 2026 certificate. As a charge card, the outstanding balance is settled in full each month, so no interest-bearing revolving credit ever arises; the cardholder pays fees for the card service and receives Diners Club benefits such as lounge access and rewards. It fills the payment-convenience gap that Islamic banking customers otherwise face, since no South African bank offers a certified Islamic credit card.

This is a niche product that solves a real problem: the practising Muslim professional who travels and needs card facilities beyond a debit card has exactly one certified option in South Africa, and this is it. The charge-card structure is the honest way to do a compliant card, and the annual certificate gives it standing that self-declared 'no interest if you pay on time' credit cards lack. Acceptance limitations and fees are the trade-offs. That Standard Bank kept this on its shrinking Shari'ah shelf suggests it knows the product's strategic value to the segment.