Your Card in Your Tune

Dear Valued Cardholder,

Season’s Greetings from BRAC Bank Limited!

In line with the recent Bangladesh Bank circular on Credit Card Operations, we are pleased to inform you
regarding the following new features about your BRAC Bank Gold Credit Card:

• The Annual Interest Rate of your BRAC Bank Credit Card has been reduced from 36% to 27%.

• All of your retail transactions will receive an interest-free period (up to 50 days) whether you have cleared
the full balance of your last Bill Statement or not.

• Interest will be accrued only on the balance remaining after the Payment Due Date and will be posted in
the next statement.

The combined effect of the above mentioned policies will significantly save your interest expenses.

As you know, your card comes with exciting value propositions along with periodic promotions throughout
the year. Please visit our website at www.bracbank.com to discover the benefits. We will continue to bring
newer benefits to ensure you a privileged and pleasant journey as you use your BRAC Bank Gold Credit
Card.

We would like to request you to take a moment to go through the attached Schedule of Charges that will
be effective from January 1, 2018.

If you have any query regarding your card, please do not hesitate to contact our 24/7 Call Center at 16221
(locally) or +8802 5566-8056 (from overseas).

Thank you for using BRAC Bank Credit Card.

Nazmur Rahim
Head of Retail Banking
 Schedule of Charges
Effective from January 1, 2018
Signature Card Platinum Card Gold Card Classic Card
Annual Fee-Primary Card TK. 10,000 TK. 5,000 TK. 3,000 TK. 1,500
Annual Fee-Supplementary Card TK. 5,000 TK. 2,500 TK. 1,500 TK. 750
Card Replacement Fee TK. 750 TK. 500 TK. 400 TK. 300
PIN Replacement Fee TK. 500 TK. 400 TK. 300 TK. 200
Annual Interest Rate 27%
TK. 2.5% or TK. 150 whichever is higher
Cash Advance Fee
US$ 3% or US$ 5 whichever is higher
Late Payment Charges TK. TK. 1,000 TK. 500 TK. 400 TK. 350
(If Minimum due is not paid within
due date) US$ US$ 20 US$ 15 US$ 10 US$ 5

TK. TK. 1,000 TK. 750 TK. 500 TK. 300

Over Limit Charges
US$ US$ 15 US$ 10.00
Return Cheque Charges TK. TK. 500.00
(For payment) US$ US$ 10.00
TK. TK. 250.00
Copy of Sales Voucher
US$ US$ 10.00
Duplicate Statement TK. 100.00
Certificate Issuance Fee TK. 200.00
Balance Transfer Processing Fee (Only TK.) 2% or TK. 150.00 whichever is higher
E-statement Free
Printed Statement
TK. 50.00 for each statement
(Only for e-statement subscribers)
CIB Fee TK. 100.00
Push-Pull SMS Service Free
Transaction Alert Service TK. 10.00 monthly
Credit Shield 0.35% of the statement balance as at the last statement date
Card Cheque Book Fee (15 leaves)
1st Card Cheque Book Free
2nd Card Cheque Book and onwards TK. 180.00
Card Cheque Processing Fee 1.60% or TK. 100.00 whichever is higher
Secured Card Pre-closure Fee
TK. 500
(If card closed before 1st anniversary date)
Early Settlement Fee
1.5% of remaining balance
(Applicable for P@yFlex & Super Loan)

Note:
1. In case of TARA Platinum Credit Card, Annual Fee for Primary Card is TK. 3,500 and Annual Fee for Supplementary Card is TK. 1,750.
2. For Gold and Classic credit card, annual fee will be zero from the second year onwards if total number of transaction is 18 or above over the year (including
minimum 10 POS retail transactions). For all cards, the annual fee will be zero if customer requests for fee waiver with the required Reward Points. A Cardholder
needs to request for reversal of imposed annual fee by calling our 24-hour Call Center at 16221 if he/she has performed 18 transactions or earned required
Reward Points.
3. For Signature Credit Card, 2 supplementary cards are free; the mentioned fee is applicable to 3rd card and onwards. For Platinum, Gold and Classic Credit
Cards, 1 supplementary card is free; the fee is applicable for 2nd card and onwards.
4. If you pay an amount less than the current balance of a specific month’s bill statement by the payment due date, interest will be accrued on the balance
remaining after the Payment Due Date and will be posted in the next statement.
5. A foreign currency factor of 3% will be applied in case of overseas transactions when the transaction currency is non US$
6. Priority Pass Lounge visits are complimentary for primary Signature Credit Cardholder. However, the transaction cost is US$ 27 for primary Platinum Credit
Cardholder and any accompanying guest with Signature Credit Cardholder or Platinum Credit Cardholder.
7. 15% VAT will be charged as applicable
8. Charges for any customized service (available on request) are not included in this schedule. Thus additional charges may be imposed as required.
9. Automatic enrollment will be made for Credit shield, Push Pull SMS and Transaction Alert service.
10. Any special promotional offers will be governed by those offers’ pricing guideline, which may be different from the above mentioned charges.
11. The fees and charges are subject to change as per Bank policy /regulatory guideline.