Credit Card Eligibility
Check which premium cards you qualify for and find your estimated credit limit.
Document Checklist
- Copy of NID / Passport
- e-TIN Certificate (Latest)
- 6 Months Bank Statement
- Salary Cert. (Private/Govt)
- Trade License (For Business)
Pro App Tips
Govt Employees: Often eligible for higher limits (up to 50% DTI ratio) due to job security.
CIB Score: Ensure you have no defaults. One late payment can reject your application.
FDR Option: If rejected, ask for a "Secured Card" against your FDR to build credit.
Eligible Cards for You
Calculated based on a 40% Debt-to-Income (DTI) ratio across major banks.
2026 BB Credit Card Circular
Mandatory guidelines for all scheduled banks in Bangladesh
Interest Rate Ceiling
The maximum interest rate on credit card loans is capped at **25% per annum**. Banks are prohibited from charging above this limit for any card tier.
Unsecured Limit Cap
Maximum unsecured credit limit for a single card is **Tk 2,000,000 (20 Lakh)**. Total industry-wide limit for any individual is capped at Tk 40 Lakh.
Late Charge Restriction
Late payment fees can be imposed **only once** per billing cycle. Recurring or compounding late fees for the same bill are strictly disallowed.
Cash Advance Policy
Cardholders may withdraw cash up to **50% of the total credit limit**. Note: Interest accrues immediately from the date of withdrawal.
Mandatory Disclosure
Requirement of a signed **Undertaking/Declaration** from the borrower regarding all existing credit details across other banks before approval.