| Type of Card | Classic mastercard/VISA Card | Gold mastercard/VISA Card | Titanium mastercard/Platinum VISA |
|---|---|---|---|
| Membership Fee | FREE (1st Year) | FREE (1st Year) | FREE (1st Year) |
| Renewal Fee | BDT 1,000 + VAT | BDT 2,000+ VAT | BDT 2,500+ VAT |
| *Renewal Fee Waiver by Transactions | 18 NOs | 18 NOs | 15 NOs |
| Spouse Card Fee | FREE | FREE | FREE |
| Supplementary Card Fee | FREE | FREE | FREE |
| Card Replacement Fee(Any type of replacement except renewal) | 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 Rate | 1.666% per month | 1.666% per month | 1.666% per month |
| Cash Advance Limit | 50% of Limit | 50% of Limit | 50% of Limit |
| Cash Advance Charge | 2.5% or BDT 250 whichever is higher | ||
| Cash Advance Interest | 1.666% per month | 1.666% per month | 1.666% per month |
| Fund transfer processing fee for adding money to bKash/ any mobile wallet | 1.5 % of total withdrawal amount | ||
| Moneysend Enrollment | BDT 30+VAT 15% | BDT 30+VAT 15% | BDT 30+VAT 15% |
| Card Cheque Book Issuance Fee | BDT 200 for 1st book & onward | ||
| Card Cheque Trnx Processing Fee | 2% or BDT 250 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 500 + VAT | BDT 750 + VAT | BDT 1000 + 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 |
| e-Statement | FREE | FREE | FREE |
| CIB Charge | BDT 100 +VAT | BDT 100 +VAT | BDT 100 +VAT |
| SMS Charge | BDT 100 +VAT | BDT 100 +VAT | BDT 100 +VAT |
| CreditShield Coverage (Insurance premium) Charge | BDT 0.35% | BDT 0.35% | BDT 0.35% |
| *** CreditShield coverage |
(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 |
| Limit Enhancement Fee | BDT 200 + VAT | BDT 200 + VAT | BDT 200 + VAT |
| Standing Instruction Service | FREE | FREE | FREE |
| Sales Slip Retrieval Fee | BDT 100/Slip | BDT 100/Slip | BDT 100/Slip |
| Legal Charge | At actual | At actual | At actual |
| ****Reward Point | 1 (one) point for 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:
Revised fees and charges effective from 1st July 2023
* 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
**** In every 36 months interval, existing reward point will be expired
| Type of Card | Classic mastercard | Gold mastercard | Mastercard Titanium |
|---|---|---|---|
| Membership Fee | FREE (1st Year) | FREE (1st Year) | FREE (1st Year) |
| Renewal Fee | BDT 800 + VAT | BDT 1,000+ VAT | BDT 1,000+ VAT |
| *Renewal Fee Waiver by Transactions | 18 NOs | 18 NOs | 15 NOs |
| Supplementary Card (Only Woman) | FREE | FREE | FREE |
| Card Replacement Fee (Any type of replacement except renewal) | 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 Rate | 1.666% per month | 1.666% per month | 1.66% per month |
| Cash Advance Limit | 50% of Limit | 50% of Limit | 50% of Limit |
| Cash Advance Charge | 2.5% or BDT 250 whichever is higher | ||
| Cash Advance Interest | 1.666% per month | 1.666% per month | 1.666% per month |
| Fund transfer processing fee for adding money to bKash/ any mobile wallet | 1.5 % of total withdrawal amount | ||
| Moneysend Enrollment | BDT 30+VAT 15% | BDT 30+VAT 15% | BDT 30+VAT 15% |
| Card Cheque Book Issuance Fee | BDT 200 for 1st book & onward | ||
| Card Cheque Trnx Processing Fee | 2% or BDT 250 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 500 + VAT | BDT 750 + VAT | BDT 1000 + 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 |
| e-Statement | FREE | FREE | FREE |
| CIB Charge | BDT 100 +VAT | BDT 100 +VAT | BDT 100 +VAT |
| SMS Charge | BDT 100 +VAT | BDT 100 +VAT | BDT 100 +VAT |
| CreditShield Coverage (Insurance premium) Charge | BDT 0.35% | BDT 0.35% | BDT 0.35% |
| *** CreditShield coverage |
(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 |
| Limit Enhancement Fee | BDT 200 + VAT | BDT 200 + VAT | BDT 200 + VAT |
| Standing Instruction Service | FREE | FREE | FREE |
| Sales Slip Retrieval Fee | BDT 100/Slip | BDT 100/Slip | BDT 100/Slip |
| Legal Charge | At actual | At actual | At actual |
| ****Reward Point | 1 (one) point for every BDT 50 on POS & e-Commerce transaction only (except add money to mobile wallet) | ||
| Cash Back against reward point | For All Shikha Cardmembers **** | ||
Note:
Revised fees and charges effective from 1st July 2023
* POS, e-Commerce & Card Cheque transaction only
** Condition apply
*** Benefit under CreditShield coverage only for regular Cardmember
**** In every 36 months interval, existing reward point will be expired
| 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 |
|---|---|---|
| CMSME 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 |
| MFS / DFS | Service Charge (%) | ||
|---|---|---|---|
| Dmoney | Free (Till December 31st, 2023) | ||
| OK wallet | 0.80% (including VAT) and minimum of TK 5 | ||
| Nagad | 0.80% (Including VAT) | ||
| iPay | 0.5% | ||
| U pay | 0.80% | ||
| ABDirect | Free | ||
| Dhaka Bank GO | Free | ||
| NexusPay | BDT 20 per transaction | ||
| Rocket | 1.0% of the transaction amount | ||
|
bKash
(only for VISA card members) |
1.00% | ||
| MFS / DFS | Service Charge (%) | ||
|---|---|---|---|
| Dmoney | Free (Till December 31st, 2023) | ||
| OK wallet | 0.80% (including VAT) and minimum of TK 5 | ||
| Nagad | 0.80% (Including VAT) | ||
| iPay | 0.95% (including VAT) | ||
| NexusPay | BDT 20 per transaction | ||
| Rocket | 1.0% of the transaction amount | ||
| bKash | 1.25% | ||
| MFS / DFS | Service Charge (%) | ||
|---|---|---|---|
| Nagad | 0.80% (Including VAT) | ||
| NexusPay | BDT 20 per transaction | ||
| OK wallet | 0.80% (including VAT) and minimum of TK 5 | ||
| Rocket | 1.0% of the transaction amount | ||
