FEES & CHANGES FOR VISA CARDS:

CREDIT CARD

SL NO	Particulars	Dual Card		International Card		Local Card
		Classic	Gold	Classic	Gold	Classic	Gold
01 02	Annual/Renewal fee (Principal Card) Annual /Renewal fee Supplementary Card-Loan One Supplementary Card is free	$40 -	$80 -	$35 -	$70 -	Tk. 1000 Tk.500	Tk. 1800 Tk. 900
03 04 05 06 07 08 09	Card replacement fee Late payment fee Cheque return fee Statement Retrieval fee Charge Slip Retrieval fee Outstation Cheque collection fee PIN reissue charge	$20 10 5 5 10 10 10		$30 10 5 5 10 10 10		400 250 100 50 150 100 200	500 250 100 50 150 100 200
10	Excess limit Charge	10		15		350	350
11	Cash Advance Fee Cash advance fee within the Q-Cash Network:	2% of Withdrawal amount or Tk. 125 whichever is higher for local card and 2% of advance amount or $3 whichever is higher for international card. 1) MBL ATMs - No cash advance fee 2) Other ATMs - Tk. 10 per transaction.
12	Minimum Payment Charge	5% of outstanding amount or $25 whichever is higher				5% of outstanding amount or Tk. 500 whichever is higher
13 14 15 16	Interest Rate Cash Advance Interest Interest free days Interest on advance against credit card	2.50% per month 2.50% per month Maximum 45 days 12% per annum

DEBIT CARD / PRE-PAID CARDS

SL No

Particulars

Taka

01.

02.

03.

Annual/Renewal fee.

Debit Supplementary Card fee (One Supplementary Card is free).

Replacement Fee

Tk. 500

Tk. 400

Repayment:

(i) Credit Card account statement is generated on monthly basis if there is any outstanding in the cardholder account.
(ii) If the cardholder repay the entire amount within the due date of payment, no interest will be charged and thereby cardholders enjoy maximum 45 days credit facilities without interest for POS transactions.
(iii) If the cardholder repay the minimum payment amount as shown in the credit card account statement within the payment due date then no late payment penalty will be charged.

Calculation of minimum payment:

(i) When the outstanding in the statement is less than or equal to the credit limit, the minimum repayment for the current month is as under:

For International Card: 5% of the billing amount or USD 25 whichever is higher. If the billing amount is less than USD 25, it should be paid in full.
For Local card: 5% if the billing amount is Tk.500 whichever is higher. If the billing amount is less than Tk.500, it should be paid in full.

(ii) When the billing amount in the card account statement is more than the credit limit, the minimum payment is 5% of the credit limit plus excess amount of credit limit.

(iii) If the cardholder fails to pay the minimum of the current month bill then in the next month the minimum payable amount will be current month minimum plus previous month minimum amount.

Interest:

(i) In case of POS transactions, if entire amount is not paid within payment due date, interest will be charged @ 2.5% on the outstanding balance on daily basis from date of transaction.
(ii) In case of cash withdrawal, interest will be charged @ 2.5% per month on daily basis from the date of transaction irrespective of payment due date.

Cash advance fee:

(a) MBL card to MBL ATM: No fee.
(b) MBL card to other Q-Cash ATM: Tk.10 per transaction.
(c) MBL card to other ATM: 2% of transaction amount or Tk.125 whichever is higher.
(d) For international card: USD 3 or 2% of transaction amount whichever is higher.