Fine print in back cover:
If you pay minimum charges, the profit charges you have to pay will increase. The charge ranges from 13.5% to 17.5% per annum depending on your previous 12-month payment record. The bank reserves the right to increase profit charge at any time.
(Read: Usury (Riba’). And the bank may increase usury at their own will, at any time)
In what way is it Islamic, really?