VISA GOLD LOCAL
- Unsecured credit line
- Operable only within Bangladesh
- Credit line for up to BDT 100,000. Limit may be extended as per Management's discretion
Features
An unsecured credit line operable only within Bangladesh. Bank may issue credit line for up to BDT 100,000 upon proper verification of all required documents.
Credit Card Expiration and Renewal date:
- 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
- Does not need to stand on the queue at the cash counters thus, save 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 TK 1500 and flexibility to pay overtime
- 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- Cash Advance - 50% of the credit limit may be withdrawn as cash.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.
Annual Interest Rate for Purchases |
24% |
Grace period for repayment of balance for Purchases |
At least 15 days - 45 days from the statement Closing Date (provided you fully paid your New Balance Total from the previous statement by its Payment Due Date). |
Renewal fee (Each card is valid for maximum of 2 years. At least one month prior to the expiration of existing card, new card will be issued. Card will be renewed after 1 year from the date of issuance.) |
1500 TK |
Method of computing the balance for Purchases |
Average Daily Balance |
Transaction fee for Bank and ATM Cash Advances:
Two type of cash advance requires in Trust Bank. 50 TK fee for inside Q-Cash network and 125 TK Cash advance fee (outside Q-Cash network).
Late-payment fee:
If, for any reason, one fails to pay the minimum balance by the due date, a late fee of US $ 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 TK 1500.
Other Fees & Charges (Tk ):
PIN resetting fee TK 300
Cheque Dishonor fee TK 300
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
For Service Holders:
- Filled in Application Form
- Photo (Passport Size)-2 copies
- Latest Salary Certificate from HRD
- TIN Certificate
- Bank statement for last six month
- Photocopy of Passport (Pages 1-7)
- Any other document to show prospective cardholder’s income strength
- Length of confirmed service minimum 1 year
For Business Personnel’s:
- Filled in Application Form
- Photo (Passport Size)-2 copies
- Trade License/ Memorandum/ Deed of Partnership
- TIN Certificate
- Bank statement for last six month
- Photocopy of Passport (Pages 1-7)
- Proof of Residence if available
- Proof of T&T Phone if available etc
Conditions
Purchase limit per transaction is set to Tk 35000 & USD 500. Need authorization from TBL Card Division for higher amount.
Please Note: Bank holds the right with regards to assigning of credit limit and also to accept or reject any credit card application request.
