VISA, INTERNATIONAL, CREDIT/DEBIT, DUAL CURRENCY, UNIVERSAL CARD IN BANGLADESH
This is a Visa dual currency credit card with worldwide acceptability. Its USD credit limit will be within approved BDT limit assigned for the card holder. Its USD credit limit will be within approved BDT limit assigned for the cardholder.
- Flexible Transferable limit
- Annual fee is your choice
- Card Cheque
- Fast Reward points
- e-Statement Service
- Balance Transfer
- Credit Shield
- Extensive SMS Service & Transaction Alert
- Pay Flex
- Worldwide Acceptance
- Global Emergency Assistance Service
- Immediate Cash Advance Facility
- Supplementary Card
- Convenient Payment option
- Auto debit option
- Self set limit
- BBL 24-hours Call Center
- Alternative Payment channels
- Internet Banking
BRAC Bank Universal Card is the only card that allows you to set your preference regarding the USD limit and BDT limit within the approved limit and can convert BDT Limit anytime to USD limitand vice versa. Now you can avail your full available limit in BDT or in USD (Subject to yearly Travel quota entitlement). You can set your preferences also. You can also convert your USD limit to BDT limit or BDT limit to USD limit as according to your needs after making payment.
Now payment of Annual fee for your Credit Card is totally your choice, BRAC Bank allows you to pay no Annual fee as long as you transact at least 18 times (including 10 POS transactions) in a physical year. It’s your Card, your choice.
With BRAC Bank Credit Card now you can enjoy cheque facility with a reduce interest rate of 27% against your credit card limit. You can make payment (account payee only) to any person or organization where Credit Card facility is not available. You can use your 100% limit through Card cheque with a minimum processing fee. You will get your first chequebook free.
A special loyalty program that allows you to earn some points every time whenever you spend your money through POS with your Credit Card. For every Tk. 50 spent through POS on your credit Card earns you 1 Reward point. The accumulated Reward Points can be redeemed against exciting 74 gift items from Reward Catalogue. The enrollment of this program is free.
BRAC Bank brings more convenience for you through e-statement that will enable you to receive your monthly Credit Card statement via e-mail and this is absolutely free. No doubt now a day’s e-statement is the fastest, reliable and efficient service, which ultimately minimizes your paper work and maximizes your convenience. E-Statement will be sent maximum up to 3 (Three) e-mail addresses. For enrollment you have to fill up the enrollment form and send /drop it to any branch of BRAC Bank.
BRAC Bank brings Balance Transfer facility for its Cardholder; if you have other bank Credit Card then you have the option to transfer your current outstanding balance at a much cheaper rate of 22% to your BBL Credit Card. The processing fee for Balance transfer is 2% or 150 + VAT whichever is higher.
Credit shield facility is a triple benefits Insurance Plan for the BBL Cardholders. The entire dues on the Credit Card, in the event of death or permanent total disability of BBL credit Cardholder, will be waived and the cardholder or his/her family will receive equal amount to meet immediate expenses, for any kind of accidental death, gold card holder is covered for 2-lacs and Classic Cardholder for 1 lac – under Credit Shield. A very nominal charge of 0.35 paisa for every TK.100/- of your Credit Card outstanding balance will be applicable for this coverage.
BBL SMS Service is the simplest way to find out your Credit Card details through your mobile. This includes Push & Pull service which you can avail free of cost. Through Pull Service you can access to your Credit Card information form anywhere anytime. Through Push service BBL provides you with information on your BBL Card even when you are on the move. Now you would no longer miss a payment or exhaust your Credit limit without any warning.
For the first time in Bangladesh BRAC Bank brings you an extensive Transaction Alert Service for its Cardholders. BARC Bank Transaction Alert - a service that allows you to stay updated on your Credit Card transactions. For each predefined transaction an alert will be generated and sent to your mobile instantly. At a nominal monthly fee of Tk 5 + VAT, you can enroll to the service.
Real Time Payment Update
Now you can avail your limit as soon as you make payment. Your card’s available limit will be opened as soon as you made payment and you can use your card instantly.
This is an installment program that allows BBL Credit Cardholders to convert any retail transaction into an easy and convenient repayment schedule. That is any cardholder will get different payment facilities for any retail transaction made at different merchant point. Payment method is classified on absolutely interest free (i.e. 0%) or payment with a certain level of interest which is the best rate method as off in the market.
You don’t need to worry about carrying cash anywhere – not even on a foreign trip where there is no one to give you hard cash at times of your need. You can withdraw cash up to 50% of your Credit Limit from any of our branches or any ATMs with VISA Logo across the country and out side the country.
The Credit Card is accepted at over 5,000 outlets across at the country and over 24 million VISA outlets worldwide. Use your Credit Card for everyday purchases as well as high valued transactions with wide range of products and services including hotels, restaurants, airlines, travel agents, shopping malls, department stores, hospitals, diagnostic centers, jewelers, electronics, computer shops and many more! This number is increasing rapidly to cater your growing needs. So no matter where you are in the world with BBL Credit Card gives you the power to purchase whatever you desire for.
When you travel abroad, please remember that you have the option of using the Global Emergency Assistance Service provided by the VISA for our cardholders. These can be availed for: 1. Reporting Lost/ Stolen Credit Cards 2. Requesting for emergency card replacement 3. Emergency Cash Advance and 4. Miscellaneous enquiries. The toll free telephone numbers for accessing these emergency assistance Help line are available in local telephone directories/yellow pages and other local listings in each country.
With BBL credit Card you can share you’re the exclusive benefits with your dearest and nearest one through providing supplementary card. As a primary cardholder you can also set spending limits for each of your supplementary cards. For your convenience all transactions on your Supplementary Card will be shown separately on your monthly Credit Card statement.
When you receive your bill, you need not pay the entire bill amount. You have the flexibility of selecting any of the following payment options:
- Pay the total amount due.
- Pay the minimum amount due (5% of your total outstanding or BDT 500 whichever is higher of local card and for Dual card 5% of your outstanding or USD 10 whichever is higher) and the balance is carried forward to subsequent statements.
You can pay your payment conveniently, without creating any extra pressure on your finances.
If you have an account with any BRAC Bank branch, you have the option of making the payment of your monthly credit statement (either minimum amount due or total due amount) directly through your bank account.
Self set limit
BARC Bank Credit Card allow you to set your own card limit .You can request for a limit lower than what you are eligible for .you can even preset the monthly spending limits on the supplementary card .Any transaction above that specific spending limit will be declined.
We offer Customer Services 24-hour a day, 7 days a week through our State-of–Art Call Center and experience customer service staff. BRAC Bank Call Center facility is to provide you one stop solution for your banking needs.
BARC Bank provides you different payment channels, now you don’t need to wait in queue to pay your credit card bill. You can easily pay your credit card bill through Cash Deposit Machine or through ATM or through IVR (interactive voice recorder).For IVR and ATM you need to have an account with BRAC Bank.
We understand the pressures on your time. For you to get information when you need it and where you need it, we offer you access to BRAC Bank Credit Card related information through the Internet at http://www.bracbank.com. You can make transactions like accessing account information - current and last statement - getting your payment status, viewing your monthly statement by e-mail, requesting a duplicate PIN, recording a change of address, ordering a draft, giving auto debit instructions, requesting a replacement card or an add-on card, redeeming points online from the Rewards catalogue and subscribing to statement by e-mail and mobile alert. The program will be available shortly and we will notify you soon.