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 5,000. The supplementary annual fee is BDT 2,500 from the third card onwards. 4 complimentary international lounge visits a year, including a companion. USD 35 per visit per person after those visits. Balaka Lounge: the cardholder and any 2 companions per visit, throughout the 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 tier
- World
- Annual Fee
- ৳5,000
- Late payment fee
- BDT 1,000 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.
Privileges & lounge benefits
Airport lounge access
4 complimentary international lounge visits a year, including a companion. USD 35 per visit per person after those visits. Balaka Lounge: the cardholder and any 2 companions per visit, throughout the year.
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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