Brac Bank Universal Visa/MasterCard Classic
Brac Bank Universal Visa/MasterCard Classic

Brac Bank Universal Visa/MasterCard Classic

A Flexible Package For The People Of Middle Income

Key Product Features

Interest Rate 36.00%
36% Per Year and 1 Taka for BDT 1000 per day
Minimum Monthly Income BDT 20000
Balance Transfer Yes

2% or BDT 150 whichever is higher +VAT
Annual Fee BDT 1300+VAT for Principal Card Holder (Visa & MasterCard) and FREE for First Supplementary Card and BDT 600+VAT for Second Supplementary Card and onward. Zero Annual fee as long as card holder transact at least 18 times in a year.

Fees and Charges

Over limit fee
BDT 400+VAT or USD 10.00+VAT

Fee for supplementary holder
BDT 600
Vat on fees and charges

Late Payment fees
BDT 350+VAT(Local) and USD 5+ VAT(International)
Other Charges
Cash advance charges 2.5% or BDT 150 whichever is higher+VAT(Local) and 3% or USD 5 whichever is higher+VAT(International)
Cash advance interest charges 1 Taka for BDT 1000 per day
Cheque Advance / Withdrawal Charge 1.6%
Return cheque fee BDT 500 (Local) and USD 10 (International)


Other Features

Islamic/Conventional Conventional
Credit Limit Min: BDT 10000
Max: BDT 75000
Cash Advance / Withdraw Amount 50% Of Credit Limit
Cash back limit (Max) N/A
Reward points 1 Reward Point For every BDT 50 Retail Spends
Expires: N/A
Protection Plan / Insurance Coverage For any kind of accidental death, gold card holder is covered up to BDT 2-lacs and Classic Cardholder up to BDT 1 lac and a very nominal charge of 0.35 paisa for every BDT.100/- of your Credit Card outstanding balance will be applicable for this coverage.
InstaBuy / Installment Features N/A
Airport Lounge access: N/A
Luggage service: N/A
Other service: N/A


Min. Age Requirement: 18Years

Min. Monthly Income: BDT 20000

Employment Eligibility
  • Salaried Employee
  • Self Employed/Businessman

Documents requirements

  • Photo ID (National ID Card / Passport / Driving License). If National ID Card is not provided, declaration letter is required. If National ID Card is lost, GD Copy is required.
  • TIN Certificate
  • 2 copies of Passport size Photographs

Financial Documents

For Salaried person:

  • LOI/Pay Slip
  • 6 Months Bank Statement
  • Valid Work Permit for Foreign Nationals

For Businessmen:

  • Updated Trade License / Partnership Deed / MOA
  • Form X & XII, Board Resolution
  • 1 Year Bank Statement For Landlord
  • Title Deed & Municipality Holding tax paper
  • 1 Year Bank Statement For Self Employed
  • Certificate of Professional¬† and 1 Year Bank Statement for Professional

Other requirements


Brac Bank Universal Visa/MasterCard Classic

Fees and Charges:

  • Card and Pin Replacement fee BDT 350
  • Plastic Fee BDT 200
  • Over Limit Charges BDT 400 (Local) and USD 10 (International)
  • Duplicate Statement fee BDT 100
  • Copy of Sales Voucher BDT 250 (Local) and USD 10 (International)
  • Certificate Charges BDT 200
  • Card Cheque Processing Fee 1.60% or BDT 100.00 whichever is higher
  • Transaction Alert Service Fee BDT 10.00+VAT monthly
  • Card Cheque Book Fee Free for 1st Card Cheque Book
  • BDT 150 for Card Cheque -12 Leaves
  • BDT 250 for Card Cheque -25 Leaves.

Upto 20% discount on Partner Hospitals both in Bangladesh and abroad

Card Holders can pay for your fuel cost without any surcharge from selected partner fuel stations