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 200 + VAT | BDT 300 + VAT | BDT 300 + 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 |
| 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 | ||
| 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 |
| 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 |
(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 |
| 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 | ||
| 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 (%) |
| Ucash | 0.93% |
| Dmoney | 0.00% |
| iPay | 1.15% |
| OK Wallet | 0.29% |
| SureCash | Annexure: 1 |
Annexure: 1
Service charge list for agent assisted payment collection
| Particular (BDT) |
Service Charge (BDT) |
| 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 |
*Sure Cash (Service Charges)
Standard service charge equaling 1.00% of the payment amount (minimum BDT 4.00) shall be paid by LBFL for each payment of collection & disbursement. For agent assisted payment collection please follow the service charge list in annexure: 1.
Any changes in rate may only be implemented subject to mutual agreement between the parties hereto.
Deposit Payment
| MFS / DFS | Service Charge (%) |
| bKash | 1.25% |
| Ucash | 0.93% |
| Dmoney | 0.00% |
| iPay | 1.15% |
| OK Wallet | 0.29% |
| SureCash | Annexure: 2 |
Annexure: 2
Service charge list for agent assisted payment collection
| Particular (BDT) |
Service Charge (BDT) |
| 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 |
*Sure Cash (Service Charges)
Standard service charge equaling 1.00% of the payment amount (minimum BDT 4.00) shall be paid by LBFL for each payment of collection & disbursement. For agent assisted payment collection please follow the service charge list in annexure: 2.
Any changes in rate may only be implemented subject to mutual agreement between the parties hereto.
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LankaBangla Asset Management
LankaBangla Information System
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