Features

An unsecured credit line operable outside Bangladesh only. Bank may issue credit line for up to USD 3000 upon proper verification of all required documents.
However, higher than USD 3000 may be approved if the qualified applicant maintains FC or RFCD account with TBL and the account has sufficient fund to justify the higher limit.

• Card is valid for 2 years
• Card will be renewed after 1 year from the date of issuance

Customer Benefits:

• Carrying card is just like carrying cash with more safety
• 24 X 7 hours withdrawal facilities
• Can be used at shops & restaurants
• Transactions are electronic & not with physical cash thus, avoid being cheated with counterfeit bills
• Do not need to stand on the queue at the cash counters thus, saves time

Account Benefits:

• Absolute fraud protection against unauthorized use and offline
• Emergency assistance service
• Retail protection and extended warranty coverage on purchases
• 24-hour customer service, secure account access and electronic bill pay service

Pricing:

• Annual fee is USD 60.00 + 15% VAT
• Annual interest rate is 24% (2% per month)
• Cash Advance - 50% of the credit limit may be withdrawn as cash. Interest rate for cash advance is calculated on daily basis

Rates and Fees

As required by law, rates, fees, and other costs of this credit card offer are disclosed here. All account terms are governed by the Credit Card Agreement sent with the card. Account and Agreement terms are not guaranteed for any period of time; all terms, including the interest rate and fees, may change in accordance with the Agreement and applicable law.

Late-payment fee:
If, for any reason, one fails to pay the minimum balance by the due date, a late fee of $ 5 will be charged against the credit card account which will reflect on the customer's next billing statement.

Excess limit fee:
Based on customer's balance as of the day the fee is assessed TK 300.

Withdrawal Fee:
USD 3.00 for International Card will be charged on the cash drawn amount which can be withdrawn from any ATM bearing the VISA logo

Issuing Fee:

Card Issuing Fee USD 60.00 + 15% VAT.

Other Fees & Charges (Tk ):

PIN resetting fee                             USD 10 + 15% VAT  
Cheque Dishonor fee                    USD 15 + 15% VAT

Account Services

View Your Account Information Anytime:

Access account information such as balance, transaction activity and payment due dates from ATM outlets whenever needed.

Eligibility

• Banker’s drawing monthly salary of Tk. 10,000/- and above
  Salaried employee (Private Sector): salary of Tk. 50,000 for gold card
• Borrowers having credit limit of Tk. 5.00 Lac with any bank with regular payments
• Customers maintaining average balance of Tk. 1.00 Lac in our bank
• Chairman & Directors of all Government Corporations, Local Bodies, reputed NGOs, Multinational Companies, and reputed Local organizations etc
• Assistant Director and above in Bangladesh Bank
• Deputy Secretary and above in the Govt. Secretariats
• Doctors/ Physicians having private/public practices
• Vice Chancellors, Professors and Associate Professors of Universities (Govt. & Private)
• Lawyers having Bar-at-Law degree and in regular practice
• Corporate customers of other banks enjoying credit facility of Tk. 1 crore and above with outstanding payment history
• Employees of reputed NGOs, Multinational Companies, Local organizations having monthly salary of Tk. 15,000/- and above
• Graduate students completed 4 years university degree (parents guarantee required)
• Applicant must be 21 years of age and above

Required Documents

• Filled in application form
• Photo (passport size) – 2 copies
• Photocopy of passport (pages 1-7)
• TIN certificate
• Board Resolution
• Corporate guarantee
• Export performance certified by Bank
• Lien confirmation letter/ Undertaking (by Branch to Card Division in Branch letterhead pad)
• Bank Statement showing RQ A/C balance