Why it's different
Built on Islamic finance principles
No Interest (Riba-free)
Panda charges a single flat service fee — never compounding interest on the balance you carry.
Total Transparency
One fixed fee of £36 on a £300 limit, agreed upfront. No hidden charges, no surprises.
Ethical Spend Only
Spending is locked to hospitality — restaurants, cafés and social venues — nothing speculative or harmful.
Fair Repayment
Repaid in three equal instalments of £100 every 30 days — simple, predictable, and manageable.
Pick your style
Two cards, one principle
Panda
Shari'ah Card
•••• •••• •••• 4471
D. Member
MASTERCARD
Emerald — the signature edition
Panda
Shari'ah Card
•••• •••• •••• 8823
D. Member
MASTERCARD
Ivory — the everyday edition
£300 credit. Zero interest. One clear fee.
Designed for young Muslims who want to enjoy nights out, celebrations, and everyday hospitality spend, without compromising on their values. First payment 30 days after funds land, then every 30 days after that.