| Particulars | 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 | 3% 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 | 2.083% per month | 2.083% per month | 2.083% 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 | 2.083% per month | 2.083% per month | 2.083% 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 |
| NOC Charge (after card closing) | BDT 300 + VAT | BDT 300 + VAT | BDT 300 + 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 |
| EMI Early Settlement Fee | 2.5% on EMI outstanding amount | ||
| ****Reward Point | 1 (one) point for every BDT 50 on POS & e-Commerce transaction only (except add money to mobile wallet and transaction at fuel stations) | ||
| Cash Back against reward point | For VISA Platinum & Mastercard Titanium only **** | ||
Note:
- Effective from January 01, 2025
- The annual fee can be waived if the customer meets the required transactions or reward points criteria. Customers must request for the waiver within one year of the fee being charged.
- If a cardholder is found engaging in unethical practices to earn reward points—such as conducting transactions through their own POS or the POS of their workplace, or repeatedly transacting at the same merchant solely for the purpose of accumulating and redeeming points for financial gain—LankaBangla Finance reserves the right to nullify any points earned through such activities.
* POS, e-Commerce & Card Cheque transaction only
** Condition apply
*** Benefit under CreditShield coverage only for regular Card member
**** In every 36 months interval, existing reward point will be expired
| Particulars | 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 | 3% 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 | 2.083% per month | 2.083% per month | 2.083% 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 | 2.083% per month | 2.083% per month | 2.083% 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 |
| NOC Charge (after card closing) | BDT 300 + VAT | BDT 300 + VAT | BDT 300 + 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 |
| EMI Early Settlement Fee | 2.5% on EMI outstanding amount | ||
| ****Reward Point | 1 (one) point for every BDT 50 on POS & e-Commerce transaction only (except add money to mobile wallet and transaction at fuel stations) | ||
| Cash Back against reward point | For All Shikha Titanium Cardmembers **** | ||
Note:
- Effective from January 01, 2025
- The annual fee can be waived if the customer meets the required transactions or reward points criteria. Customers must request for the waiver within one year of the fee being charged.
- If a cardholder is found engaging in unethical practices to earn reward points—such as conducting transactions through their own POS or the POS of their workplace, or repeatedly transacting at the same merchant solely for the purpose of accumulating and redeeming points for financial gain—LankaBangla Finance reserves the right to nullify any points earned through such activities.
* 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 | 1% 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 | 1% 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 | 1% 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 | 1.0% 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 | 1.0% 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 | 1.0% on the outstanding principle amount | |
| Factoring Finance | Documentation Fee | At actual plus 15% VAT |
| Loan Processing Fee | At actual plus 15% VAT |
| 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 | 0% on the outstanding principle amount |
| MFS / DFS | Service Charge (%) | ||
|---|---|---|---|
| OK wallet | 0.80% (Including VAT) | ||
| bKash (Mastercard) |
1.49% or 100 TK (whichever is lower) for up to BDT. 49,999.99. For BDT. 50,000 & above 1.49% |
||
| Nagad | 0.80% (Including VAT) | ||
| TAP | 1% + VAT | ||
| Upay | 0.80% | ||
| ABDirect | Free | ||
| Dhaka Bank GO | Free | ||
| NexusPay | BDT 20 per transaction | ||
| Rocket | 1.0% of the transaction amount | ||
| AIBL (Islamic Wallet) | BDT 10 | ||
| MeghnaPay | 0.80% or BDT 5.00 whichever is higher | ||
| SSLCOMMERZ | 1.85% to 2.20% | ||
| aamarPay | 1.75% | ||
| BEFTN Powered by Premier Bank | Free | ||
| Agent Banking DBBL | BDT 10 or 0.30% whichever is higher | ||
| MFS / DFS | Service Charge (%) | ||
|---|---|---|---|
| OK wallet | 0.80% (Including VAT) | ||
| bKash | 1.25%(Including VAT) | ||
| Nagad | 0.80% (Including VAT) | ||
| TAP | 1% + VAT | ||
| Upay | 0.80% | ||
| NexusPay | BDT 20 per transaction | ||
| Rocket | 1.0% of the transaction amount | ||
| AIBL (Islamic Wallet) | BDT 10 | ||
| SSLCOMMERZ | 1.85% to 2.20% | ||
| aamarPay | 1.75% | ||
| Agent Banking DBBL | BDT 10 or 0.30% whichever is higher | ||
| MFS / DFS | Service Charge (%) | ||
|---|---|---|---|
| Nagad | 0.80% (Including VAT) | ||
| TAP | 1% + VAT | ||
| Upay | 0.80% | ||
| NexusPay | BDT 20 per transaction | ||
| bKash | 1.25%(Including VAT) | ||
| OK wallet | 0.80% (including VAT) | ||
| Rocket | 1.0% of the transaction amount | ||
| AIBL (Islamic Wallet) | BDT 10 | ||
| SSLCOMMERZ | 1.85% to 2.20% | ||
| aamarPay | 1.75% | ||
| Agent Banking DBBL | BDT 10 or 0.30% whichever is higher | ||
