About this product
Overview
The schedule of charges is headed "Effective from August 01, 2026". This column prints 25% annual interest. The declared lending sheet dated 8 October 2026 prints credit cards at 24.00%, 23.00%, and 25.00%. The schedule also says the doctors segment is 22% per annum. Those figures do not agree, so no single interest rate is stored. Note 1 says 15% VAT is charged as applicable. The primary annual fee cell prints BDT 2,000. The supplementary annual fee is BDT 1,000 from the second card onwards. Note 20 says Cashback cardholders with a credit limit above BDT 150,000 are charged a higher credit limit maintenance fee of BDT 1,000 a year. Lending sheet: https://brackweb.s3.ap-southeast-1.amazonaws.com/uploads/all/Annex-A_Declared_Lending_Interest_Rate_October_08,_2026_BRAC_Bank_PLC_Web_Upload6ac7968d4d2e2.pdf Confirm the current rate with the institution before comparing.
Published terms
Product specifications
- Card network
- Visa
- Card tier
- Cashback
- Annual Fee
- ৳2,000
- Late payment fee
- BDT 800 if the minimum due is not paid within the due date.
- Foreign currency fee
- Overseas transactions use the card-network rate. A foreign-currency factor of 3% applies when the transaction currency is not US dollars.
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Catalogue outline
Published ledger
Current rates & charges
Official rates are being verified or updated. Please consult official institution channels for real-time schedule of charges.
Interactive decision tool
Repayment & travel quota planner
৳30,000
৳5,000
৳200,000
Bangladesh Bank travel quota reminder
Under Bangladesh Bank Foreign Exchange Guidelines, dual-currency credit/prepaid cardholders can spend up to $12,000 USD per calendar year for international travel and online transactions upon passport endorsement.
Minimum monthly due (5%)
?
সহজ ভাষায়: প্রতি মাসে বিলম্ব জরিমানা এড়াতে মোট বকেয়ার অন্তত ৫% পরিশোধ করতে হয়। বাকি বকেয়ার ওপর ব্যাংক সুদ গণনা করে।
৳1,500
Min ৳500 or 5% of statement balance
Interest-free grace window
?
সহজ ভাষায়: কেনাকাটা করার পর কোনো সুদ ছাড়াই বিল পরিশোধের সর্বোচ্চ সময় (সাধারণত ৪৫ থেকে ৫০ দিন)।
Up to 45–50 Days
Annual travel entitlement
$12,000 USD / yr
Provenance
Source & verification
Official source
BRAC Bank credit card schedule of charges, effective 1 August 2026
(Last verified: August 1, 2026)
View official source