Fees & Charge - LankaBangla Finance Limited

SCHEDULE OF FEES & CHARGES

Credit CardsPersonal Financial ServicesCorporate Financial ServicesSME Financial ServicesDigital Payment Charges

Type of Card	Classic Mastercard/VISA Card	Gold Mastercard/VISA Card	Titanium Mastercard/ Platinum VISA
Membership Fee	FREE	FREE	FREE
*Renewal Fee	BDT 1,000 + VAT 15%	BDT 2,000+ VAT 15%	BDT 2,000+ VAT 15%
Renewal Fee Waiver by Transactions	15 NOs	15 NOs	12 NOs
Spouse Card Fee	FREE	FREE	FREE
Supplementary Card Fee	FREE	FREE	FREE
Card Replacement Fee	BDT 500 + VAT	BDT 500 + VAT	BDT 500 + VAT
PIN Regeneration Fee	BDT 100 + VAT	BDT 100 + VAT	BDT 100 + VAT
Required Minimum Payment	5% of total outstanding or BDT 500 whichever is higher
Payment Due Date	As per statement
Interest Free Period	Maximum 45 days - Minimum 15 days**
Interest Charge	2.33% per month	2.33% per month	2.33% per month
Cash Advance Limit	50% of Limit	50% of Limit	50% of Limit
Cash Advance Charge	2% or BDT 150 whichever is higher
Cash Advance Interest	2.33% per month	2.33% per month	2.33% per month
Fund transfer processing fee for adding money to bKash/ any mobile wallet	1 % of total withdrawal amount
Card Cheque Book Issuance Fee	First cheque book free and BDT 100 for 2nd book onward
Card Cheque Trnx Processing Fee	1.5% or BDT 200 whichever is higher
BEFTN Trnx Processing Fee (only for Mastercard)	1.5% or BDT 200 whichever is higher
Late Payment Fee	BDT 300 +VAT	BDT 500 + VAT	BDT 500 + VAT
Over Limit Fee	BDT 300 + VAT	BDT 500 + VAT	BDT 500 + VAT
Cheque Return Fee	FREE	FREE	FREE
Outstation Cheque Collection Fee	FREE	FREE	FREE
Statement Retrieval Fee	BDT 100/Statement	BDT 100/Statement	BDT 100/Statement
Sales Slip Retrieval Fee	BDT 100/Slip	BDT 100/Slip	BDT 100/Slip
e-Statement	FREE	FREE	FREE
CIB Charge	BDT 100 +VAT	BDT 100 +VAT	BDT 100 +VAT
SMS Service	BDT 100 +VAT	BDT 100 +VAT	BDT 100 +VAT
CreditShield Coverage (Insurance premium) Charge	BDT 0.33%	BDT 0.33%	BDT 0.33%
*** CreditShield coverage	100% outstanding coverage upto credit limits (Permanent Total Disability (PTD), Normal/accidental death). 100% financial benefit for family member upto credit limit (Normal/accidental death). Additional coverage under Accidental Death Insurance Policy. (Subject to provide the supporting documents and fulfill the terms and condition of CreditShield coverage)
*** Accidental death benefit under CreditShield coverage	BDT 100,000	BDT 300,000	BDT 500,000
Standing Instruction Service	FREE	FREE	FREE
Legal Charge	At actual	At actual	At actual
Reward Point	1 (one) point on every BDT 50 on POS & e-Commerce transaction only (except add money to mobile wallet)
Cash Back against reward point	For VISA Platinum & Mastercard Titanium only ****

Note:
* POS, e-Commerce & Card Cheque transaction only
** Condition apply
*** Benefit under CreditShield coverage only for regular Card member
**** For Every 100 points, equivalent BDT 25 will be credited to VISA Platinum & Mastercard Titanium account as per request 15% VAT applicable on all service fees

Product Name	Cost Head	Particulars
Home Loan	Loan Processing Fee	At actual plus 15% VAT
	Documentation fee	At actual plus 15% VAT
	Early Settlement Fees	At actual plus 15% VAT
	Penal interest charge	2% Above the lending rate
	Other charges for Vetting, Survey, Valuation, Registration, Mortgage, Charge Creation, Hypothecation, Tax & VAT, Redemption Fee, Cancellation of Power fee etc.	At actual plus 15% VAT
Personal Loan	Documentation Fee/ Processing Fee	At actual plus 15% VAT
	Early Settlement/Partial Payment Fees	At actual plus 15% VAT
	Penal interest charge	2% above the nominal rate
Auto Loan / Lease	Documentation Fee/ Processing Fee	At actual plus 15% VAT
	Partial Payment Fees / Early Settlement Fees	At actual plus 15% VAT
	Penal interest charge	2% above the nominal rate
STL against TDR	Documentation Fee/ Processing Fee	At actual plus 15% VAT
	Early Settlement/ Partial Payment Fees	Nil
	Penal interest charge	2% above the nominal rate

Product Name	Cost Head	Particulars
Lease Finance	Documentation Fee	At actual plus 15% VAT
	Loan Processing Fee	At actual plus 15% VAT
	Early/partial Settlement Fees	2.0% on the outstanding principle amount
Term Finance/Short Term Finance/Working Capital Finance	Documentation Fee	At actual plus 15% VAT
	Loan Processing Fee	At actual plus 15% VAT
	Early/partial Settlement Fees	2.0% on the outstanding principle amount
Developers Finance	Documentation Fee	At actual plus 15% VAT
	Loan Processing Fee	At actual plus 15% VAT
	Early Settlement Fees	2.0% on the outstanding principle amount
Syndication Finance	Service Charge	2.0% of Deal amount
Factoring Finance	Documentation Fee	At actual plus 15% VAT
	Loan Processing Fee	At actual plus 15% VAT
	Service Charge	2.0% of bill amount

Product Name	Cost Head	Particulars
SME Finance	Documentation Fee (for Secured and Lease Loan)	At actual plus 15% VAT
	Documentation Fee (for Unsecured and Partial Secured Loan)	Nil
	Loan Processing Fee (Secured/Lease/Partial Secured Loan)	At actual plus 15% VAT
	Loan Processing Fee (for Unsecured Loan)	At actual plus 15% VAT
	Early/partial Settlement Fees	2.0% on the outstanding principle amount

Credit Card Payment

MFS / DFS

Service Charge (%)

Dmoney

No charge till October 2020

OK wallet

0.29% (including VAT) and minimum of TK 5

Ucash

Payment through Personal Account
10 - 1000	10 Tk.
1001 - above any amount	0.93%
Payment through Agent Account
1-2,000	10 Tk.
2,001-5,000	20 Tk.
5,001-10,000	30 Tk.
10,001 -50,000	50 Tk.
50,001 -75,000	75 Tk.
75,001 -100,000	100 Tk.
100,000 +	150 Tk.

iPay

0.95% (including VAT)

SureCash

Payment through Personal Account

1% or Minimum BDT 4 whichever is higher

Payment through Agent Account
1 - 400	4
401 - 3,000	1%
3,001 - 7,000	30
7,001 - 10,000	50
10,001 - 18,000	90
18,001 - 30,000	100
30,001 - 50,000	150
50,001 - 75,000	200
75,001 - 100,000	300
100,001 and above	400

bKash
(only for VISA card members)

1.00%

Deposit Payment