

Brac Bank Universal Visa/MasterCard Gold
An Universal Credit Card With Low Income Requirement
Key Product Features
Interest Rate |
36.00% |
---|---|
Minimum Monthly Income |
BDT 30000 |
Balance Transfer |
Yes 2% or BDT 150 whichever is higher +VAT |
Annual Fee | BDT 2500+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 15% 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) N/A |
Other Features
Islamic/Conventional | Conventional |
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Credit Limit | Min: BDT 75001 Max: BDT 500000 |
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 |
Eligibility
Min. Age Requirement: 18Years
Min. Monthly Income: BDT 30000
Employment Eligibility
Min. Monthly Income: BDT 30000
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
N/ABrac Bank Universal Visa/MasterCard Gold
Fees and Charges:
- Card and Pin Replacement fee BDT 500
- Plastic Fee BDT 300
- 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.