Fees & Charge - LankaBangla Finance Limited

SCHEDULE OF FEES & CHARGES

Credit CardsShikha CardsRetail 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 (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 Charge	1.66% per month	1.66% 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	1.66% per month	1.66% per month	1.66% per month
Fund transfer processing fee for adding money to bKash/ any mobile wallet	1.5 % of total withdrawal amount
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	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
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:
* POS, e-Commerce & Card Cheque transaction only
** Condition apply
*** Benefit under CreditShield coverage only for regular Cardmember
**** 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

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 Charge	1.66% per month	1.66% 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	1.66% per month	1.66% per month	1.66% per month
Fund transfer processing fee for adding money to bKash/ any mobile wallet	1.5 % of total withdrawal amount
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	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
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:
* POS, e-Commerce & Card Cheque transaction only
** Condition apply
*** Benefit under CreditShield coverage only for regular Cardmember
**** For Every 100 points, equivalent BDT 25 will be credited to Card 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

Charges will be free till 31st March 2021

OK wallet

0.29% (including VAT) and minimum of TK 5

Nagad

0.80% (Including VAT)

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

MFS / DFS

Service Charge (%)

Dmoney

Charges will be free till 31st March 2021

OK wallet

0.29% (including VAT) and minimum of TK 5

Nagad

0.80% (Including VAT)

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

1.25%

Particulars	2019	2018
Long Term	AA3	AA3
Short Term	ST-2	ST-2
Outlook	Stable	Stable

AA₃

Very strong capacity
Very high quality
Very low credit risk
ST-2

High grade
Strong capacity
Commendable liquidity

Rated by Credit Rating Agency of Bangladesh(CRAB)
Based on the Financials of the year ending December 31, 2018 Valid up to June 30 2021

SCHEDULE OF FEES & CHARGES

Credit Card Payment

Deposit Payment

Credit Rating

AA3

ST-2

Hotline Numbers

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AA₃