Islamic Commercial Bank

Dubai Islamic Bank Trade Services

Part of PakFinHub's DIB coverage — import/export LC, guarantee, and collection charges for businesses.

Imports & Exports
Letters of Credit
Guarantees

Written & reviewed by Dildar Hussain -- 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

Trade Services covers DIB's letter-of-credit, collection, and guarantee facilities for import/export businesses — a distinct commercial-banking product line from anything retail customers use. It splits into four sections in DIB's Schedule of Charges: Imports, Exports, Inland Bills, and Guarantees.

Imports

Charge	Amount
LC opening commission (local & FCY)	0.50% for first quarter, 0.25% each subsequent quarter, min Rs 2,500
LC amendments commission	Rs 1,250 per amendment (increase in amount/period follows opening commission rate)
Commission on retirement of import bills incl. LC	0.12% on rupee value, min Rs 1,850
LC cancellation	Rs 1,850 flat + actual communication charges
Import document handling against FCY DD/TT without LC	0.20%, min Rs 10,000
Usance bills drawn under import bill	Upto 0.20% per month beyond LC validity
Discrepancy Fee	US$ 175 or equivalent + Telex/SWIFT charges
Import Advance Payment (with or without LC)	Rs 2,000 flat
Import Shipping Guarantee	Rs 2,000 flat

Exports

Charge	Amount
LC advising / amendment (local & FCY)	Advising Rs 2,500; amendments Rs 1,250
Export LC transfer	Rs 1,850 per transfer + communication charges
Documentary export collection	Rs 1,250 per collection; duty drawback handling 0.25%, min Rs 250
L/C Confirmation Charges	0.25% per quarter, min Rs 350
Export Advance Payment	0.12%, min Rs 1,500

Inland Bills (Export)

Sight bill and Usance bill (negotiation) commission within Pakistan is 0.30% flat, minimum Rs 600 per bill; documentary (inland) collection commission is 0.30%, minimum Rs 1,850, recovered upon realisation of proceeds.

Guarantees

Charge	Amount
Guarantee issuance	0.50% per quarter or part thereof, min Rs 2,500 p.a.
Guarantee amendment	Rs 1,500 (other than increase in amount/period)
Back-to-back guarantee issuance	0.45% per quarter, min USD 250 p.a.
Service charges for claims by beneficiary	Rs 1,000 flat + actual expenses
Endorsement of airway bill / shipping guarantees	Rs 2,000 flat

Source: DIB Schedule of Charges, July–December 2026, Trade Services section (Imports, Exports, Inland Bills, Guarantees). Charges may vary as per arrangement with the customer, per DIB's own notes on this schedule.