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Best Credit Card Advice,  Money

Top 5 Best Credit Cards in Bangladesh

Best credit card in Bangladesh: Credit cards are a convenient way to make purchases and manage expenses. In Bangladesh, there are several credit cards available with various benefits and rewards for travelers. Let’s explore the list of the top 5 best credit cards in Bangladesh.

Click here to check out the guidelines of Bangladesh Bank regarding Credit card Operation.

Table of Contents: Best credit card in Bangladesh

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Why do you need a credit card, What are the Credit Card Benefits?

Credit cards offer numerous benefits, making them essential financial tools for many consumers. Here are some key advantages:

  1. Cashback Rewards: Many credit cards offer cashback rewards on purchases, allowing cardholders to earn a percentage of their spending back as cash rewards. This incentivizes spending and can result in significant savings over time.
  2. Travel Perks: Travel credit cards often come with perks such as airline miles, hotel discounts, and airport lounge access. These benefits can make travel more affordable and enjoyable for cardholders who frequently travel for business or leisure.
  3. Fraud Protection: Credit cards typically offer robust fraud protection measures, including zero liability for unauthorized transactions. This provides peace of mind to cardholders, knowing that they won’t be held responsible for fraudulent charges.
  4. Building Credit: Responsible use of a credit card can help individuals build or improve their credit score. By making timely payments and keeping balances low, cardholders can demonstrate creditworthiness and qualify for better loan terms in the future.
  5. Purchase Protection: Many credit cards offer purchase protection, which covers eligible purchases against damage, theft, or loss for a certain period after the purchase date. This can provide valuable protection for expensive items bought with the card.

When choosing a credit card, it’s important to consider your spending habits, lifestyle, and financial goals. Look for a card that offers rewards and benefits that align with your needs, and be sure to read the terms and conditions carefully to understand fees, interest rates, and other important details. With the right credit card, you can enjoy a host of benefits while managing your finances responsibly.

Best credit card in Bangladesh: Let’s Explore them All

#1. Dutch Bangla Bank Mastercard World / Visa Signature Credit Card

The Dutch Bangla Bank Mastercard World/Visa Signature is a prestigious credit card that offers an array of exceptional rewards and benefits to cardholders. With its premium features, this card caters to individuals seeking a high-end credit card experience in Bangladesh.

Health benefits of DBBL Visa Signature/Mastercard World credit card

One of the standout benefits of this card is the access to yearly medical checkups from premium hospitals. Cardholders can avail themselves of this service, which provides them with the convenience of regular health checkups from renowned medical institutions. You can choose this yearly medical checkup service from Square Hospital, United Hospital, or Evercare Hospital Bangladesh. This feature demonstrates the card’s commitment to the well-being of its customers.

Unlimited Lounge access and Airport pick-and-drop services

Another notable feature is the unlimited international lounge access provided to the cardholder and up to three guests along with complimentary airport pick-up and drop-off services(Dhaka, Chittagong & Sylhet).

Top 5 Best Credit Cards in Bangladesh

This privilege allows cardholders to relax and enjoy the amenities offered in lounges worldwide (using priority pass card), making their travel experiences more comfortable and enjoyable. Additionally, the card also grants access to the lounges available at DBBL’s VIP branches, further enhancing the exclusive benefits for the cardholder.

How many reward points you can earn from this DBBL Visa Signature/Mastercard World credit card?

When it comes to rewards, the Dutch Bangla Bank Mastercard World/Visa Signature offers an attractive earning structure. Cardholders earn 1.5 Reward Points for every 50 taka or 1 USD spent on their purchases. These Reward Points can later be redeemed for a variety of exciting options, including merchandise, travel, dining, and more. This feature allows cardholders to maximize their spending and enjoy the benefits of their purchases.

It is important to note that the card comes with an annual fee of 20,000 Taka plus VAT. While this fee may be on the higher side, it is offset by the exclusive benefits and rewards offered by the card. Cardholders can assess whether the benefits and rewards provided align with their needs and preferences to determine if the annual fee is justified.

Additionally, cardholders need to be aware of the card’s financial terms and conditions. Failure to pay the monthly dues in full will result in a daily interest charge of 50 taka for every 1 lac taka due. Late payments of the minimum dues will also incur a late fee of 2%. Cardholders must manage their payments responsibly and understand the financial obligations associated with the card.

In summary, the Dutch Bangla Bank Mastercard World/Visa Signature is a premium credit card that offers exceptional rewards and benefits to cardholders. From yearly medical checkups and unlimited international lounge access to attractive reward-earning potential, this card provides an exclusive experience for its users. While the card carries an annual fee, the value of the benefits and rewards can offset this cost for individuals who take full advantage of the card’s offerings.

To learn more about the detailed offers, reward points, and application process for this card please read this article: Most Rewarding Credit Card of Bangladesh.

#2. MTB Visa Signature & MTB Mastercard World

The MTB Visa Signature and MTB Mastercard World cards are highly sought-after credit cards in Bangladesh, known for their exclusive benefits and exceptional features. These cards provide cardholders with a range of privileges and conveniences, making them the preferred choice for individuals seeking premium credit card experiences.

What are the complementary travel benefits MTB Visa Signature/Mastercard World credit card offers?

One of the key highlights of these cards is the complimentary airport pick-and-drop service, which adds a touch of luxury and convenience to the travel experience. Cardholders can enjoy a hassle-free journey with this convenient service, allowing them to focus on their travel plans without worrying about transportation logistics.

Additionally, the MTB Visa Signature and MTB Mastercard World cards offer access to international concierge services, providing cardholders with personalized assistance and support for various travel and lifestyle needs. From booking flights and hotels to arranging restaurant reservations and event tickets, the concierge service ensures that cardholders receive top-notch assistance and enjoy a seamless experience wherever they go.

Another noteworthy benefit of these credit cards is the access they provide to international lounges (using priority pass card). Cardholders can enjoy a serene and comfortable environment in prestigious airport lounges around the world, allowing them to relax, refresh, and indulge in amenities such as complimentary food and beverages, Wi-Fi access, and comfortable seating while waiting for their flights. Moreover, these cards also offer access to a significant number of local lounges within Bangladesh, providing an exclusive retreat for cardholders within the country.

Does MTB Visa Signature/Mastercard World credit card offer reward points?

MTB VISA Signature and Mastercard World credit cardholders have the opportunity to earn 2 Reward Points for every BDT 50 or USD 1 they spend using their cards. This rewards program allows cardholders to accumulate points based on their spending and later redeem them for a variety of rewards and benefits.

In summary, the MTB Visa Signature/Mastercard World cards are among the most popular credit cards in Bangladesh, offering a host of exclusive benefits and features. From complimentary airport pick-and-drop services to access to international and local lounges, these cards provide cardholders with a truly exceptional experience, making them the preferred choice for those seeking luxury and convenience in their credit card usage.

The annual fee for these cards is 10,000 Taka. You can apply for a Mastercard World credit card & Visa Signature Credit Card if it is suitable for your needs.

#3. Eastern Bank Visa Signature Credit Card

The Eastern Bank Visa Signature Card is a premium credit card that provides cardholders with a host of exciting rewards and benefits. With its attractive features, this card caters to individuals seeking a high-end credit card experience in Bangladesh.

Does the EBL Visa Signature credit card offer any reward points?

One of the key highlights of this card is the opportunity to earn EBL SKYCOINS on every purchase. These SKYCOINS can be accumulated and later redeemed for a variety of rewards, enhancing the value of cardholders’ spending. This feature allows cardholders to enjoy additional benefits and incentives as they use their card for everyday expenses.

Does EBL Visa Signature Credit Card provide lounge access?

Another notable benefit is the complimentary access to the EBL SKYLOUNGE and selected International airport lounges. Cardholders can take advantage of these exclusive lounges to relax and enjoy a range of amenities during their travels. The EBL SKYLOUNGE, in particular, is renowned for its elegant and inviting ambiance, providing a delightful experience for cardholders.

The card also offers travel insurance coverage, providing cardholders with peace of mind during their trips. This insurance coverage can offer protection against unforeseen circumstances, such as travel delays, lost luggage, or medical emergencies, ensuring a worry-free travel experience.

Other benefits of the EBL Visa Signature Credit card:

Additionally, cardholders can enjoy exclusive discounts at partner merchants, allowing them to save on various purchases and services. These discounts can range from shopping, dining, travel, entertainment, and more, providing cardholders with added value and savings opportunities.

The Eastern Bank Visa Signature Card also provides flexibility when it comes to the annual fee. Cardholders have the option to waive the annual fee if they conduct at least 18 transactions within a year. This feature rewards active card usage and offers cardholders the opportunity to enjoy the benefits of the card without incurring the annual fee.

EBL Visa Signature Credit Card to Wallet transfer fees:

One particularly interesting feature of this card is the free Card to Wallet transfer service(update: they charge a fee now, check the comparison chart for details). This feature allows cardholders to transfer funds from their credit card to their bank account without any additional charges. This convenient service provides immediate access to cash when needed, offering flexibility and ease of use for cardholders.

In summary, the Eastern Bank Visa Signature Card is a premium credit card that offers exciting rewards and benefits to cardholders. With the opportunity to earn SKYCOINS, complimentary lounge access, travel insurance coverage, exclusive merchant discounts, and the convenience of card-to-wallet transfers, this card provides a comprehensive package of benefits. The option to waive the annual fee through transaction activity further adds to the card’s appeal.

You can apply for this card by calling their call center and here is the link: EBL Visa Signature Credit Card.

#4. Standard Chartered VISA Signature Credit Card

The Standard Chartered VISA Signature Credit Card is a premium credit card that provides cardholders with a range of exclusive benefits and rewards. Designed for individuals seeking a high-end credit card experience in Bangladesh, this card offers a host of attractive features.

How many points you can get using an SCB visa signature credit card?

One of the key advantages of this card is the generous rewards program. Cardholders earn 2 Reward Points for every Tk. 50 spent on their card. These Reward Points can be accumulated and later redeemed for a variety of rewards, including merchandise, travel vouchers, and more. This feature allows cardholders to maximize the value of their spending and enjoy additional benefits as they use their card for everyday expenses.

Top 5 Best Credit Cards in Bangladesh
Visa Signature/Mastercard World credit card users can enjoy free lounge access using a priority pass or lounge key

Does the SCB Visa Signature credit card provide local and international lounge access?

Another significant benefit of the Standard Chartered VISA Signature Credit Card is the unlimited complimentary lounge access it provides. Cardholders can enjoy complimentary access to the lounges at Hazrat Shahjalal International Airport Dhaka, as well as selected international airport lounges. What sets this card apart is that cardholders can bring up to 6 guests with them, offering a truly luxurious and convenient experience for frequent travelers within a year.

Other benefits of SCB Visa Signature credit card

Additionally, the card offers cashback and discounts at partner merchants. Cardholders can enjoy exclusive savings and privileges when shopping, dining, and enjoying various services at participating establishments. These partnerships provide added value and enhance the overall cardholder experience.

The Standard Chartered VISA Signature Credit Card also offers the option to avail of two supplementary cards along with the primary card. This feature allows cardholders to extend the benefits and privileges of the card to their family members or loved ones, providing them with a seamless and rewarding experience.

When it comes to the cost of ownership, the card has an annual fee of 12000 Taka. While there is an associated fee, the benefits and rewards offered by the card help offset this cost and provide cardholders with a substantial return on their investment.

In summary, the Standard Chartered VISA Signature Credit Card is a premium credit card that offers a range of exclusive benefits and rewards. With the opportunity to earn Reward Points, unlimited complimentary lounge access, cashback and discounts at partner merchants, and the option to avail of supplementary cards, this card provides a comprehensive suite of privileges. While there is an annual fee, the benefits, and rewards provided make it a compelling choice for individuals looking for a premium credit card experience in Bangladesh.

You can apply online for this card from this link: Standard Chartered Visa Signature Credit Card.

#5. City Bank American Express Platinum Card

The City Bank Amex Platinum Card is a premium credit card that offers cardholders exceptional rewards and benefits, making it an attractive choice for individuals seeking a high-end credit card experience in Bangladesh.

Enjoy a yearly bonus & welcome kit from Amex Platinum Credit Card

The welcome kit provided with this card enhances the cardholder’s experience, offering a luxurious feel and demonstrating the premium nature of the card. Additionally, cardholders can avail of a supplementary card free of charge, providing their loved ones or family members with the same privileges and benefits. The City Bank Amex Platinum Card offers an annual bonus of 25,000 Membership Rewards points, which can be redeemed to offset card fees or bills. This benefit adds further value to the card, helping to offset the annual fee associated with the card, which is 26,000 Taka.

Best Rewarding Amex Platinum Credit Card

How many Reward Points do you get using AmEx Platinum Credit Card?

One of the key features of this card is the opportunity to earn Membership Rewards points on every transaction. Cardholders earn 2 Membership Rewards points for every 50 BDT/USD1 spent on their card, except for selected super shops on the first and last weekends where they can earn 10 MR points. These points can be accumulated and later redeemed for a variety of rewards, providing cardholders with flexibility and value.

Get exclusive access to AmEx Platinum Lounge

A notable advantage of the City Bank Amex Platinum Card is the unlimited complimentary access it provides to international airport lounges (using a priority pass), including the exclusive Platinum Lounge at Hajrat Shahjalal Airport Dhaka. This feature allows cardholders to enjoy a luxurious and comfortable experience while traveling, with access to facilities such as refreshments, Wi-Fi, and other amenities. Additionally, the card offers travel insurance, providing added peace of mind for cardholders during their journeys.

Cardholders also have the opportunity to enjoy exclusive discounts at partner merchants. These discounts can be availed at various establishments, including dining, shopping, and lifestyle outlets, enhancing the overall cardholder experience and providing opportunities for savings. They also offer bonus vouchers depending on clients’ spending. You need to keep your eyes on the latest marketing messages from them to grab this kind of special offer.

It is important to note that, similar to other credit cards, the City Bank Amex Platinum Card charges interest on outstanding balances and late fees for missed payments. Cardholders should be mindful of making timely payments to avoid incurring these charges.

In summary, the City Bank Amex Platinum Card is a premium credit card that offers exceptional rewards and benefits. With the opportunity to earn Membership Rewards points, unlimited lounge access, travel insurance, exclusive discounts, and a generous annual bonus, this card provides a comprehensive suite of privileges. While there is an annual fee, the benefits and rewards offered by the card make it an attractive choice for individuals seeking a premium credit card experience in Bangladesh.

Apply for a City Bank Amex Platinum Credit Card.

Rewarding Credit Cards in Bangladesh
reward program of credit card

Comparison chart: Top 5 Credit Cards at a Glance

Credit Card NameAnnual InterestGrace PeriodAnnual FeesSupplementary CardMFS Transfer
EBL Visa Signature Card 27.00% 45 DaysZero (for18 transactions yearly) 2 Free Cards1.5%*
American Express Credit Card 24.00% 45 Days 26000 (Can redeem with points)1 Free Card2% using city touch,
Free using Upay App**
DBBL Visa Signature/Mastercard World Card 18.00% 50 Days20000 (Can redeem with points) No Free CardFree
SCB Visa Signature Card  26.00%  45 Days10000(Can redeem with points)2 Free Cards1%
MTB Visa Signature/ Mastercard World Card 25.00% 45 Days 10000 (Can redeem with points)No Free Card1%
Credit Card Comparison Chart at a Glance -2023

Now You Know The Top 5 Rewarding Credit Cards in Bangladesh in 2024

These cards offer exclusive rewards and benefits that make them stand out from the competition. Choose the card that best fits your needs and start enjoying the perks that come with it.

ATM charges for credit cards in Bangladesh:

In Bangladesh, ATM charges are applicable. When using an ATM, there are often associated fees, especially if you’re using an ATM that belongs to a different bank or is out of the network. These fees may vary based on the specific bank’s policy and the type of account you hold.

It is advisable to check with your bank or financial institution in Bangladesh to understand the fees associated with using ATMs. Some banks may offer a certain number of free ATM transactions per month or have partnerships with other banks, allowing their customers to use authorized ATMs without additional charges. For more information, refer to the Bangladesh Bank Payment and Settlement Systems.

Video: Why you should use a credit card for your every purchase?

Why You Should Buy Everything With Credit Cards

What’s the difference between a Debit card and a Credit card?

Debit cards do not incur interest charges as they use existing funds, while credit cards may accrue interest on unpaid balances. Debit card transactions may have minimal fees, while credit cards may have transaction fees and annual fees. Credit card usage impacts credit scores, while debit card usage does not.

Debit cards require immediate deduction from the linked account, while credit cards require minimum monthly payments. Debit cards do not accumulate debt, but credit cards have the potential for debt accumulation if not paid off. Credit cards often offer reward programs and perks, while debit cards may have limited or no reward programs.

In terms of security, both cards offer protection against fraudulent use, but credit cards typically provide enhanced protection. Debit cards help users maintain financial discipline by spending within their means, while credit cards require responsible use to avoid accumulating debt.

Comparison Chart: Debit Card vs. Credit Card

FeaturesDebit CardCredit Card
Card TypeLinked to a bank accountCredit line provided by the issuer
Payment SourceUses funds available in the linked accountBorrowed money from the issuer
Spending LimitLimited to the available account balancePre-set credit limit determined by the issuer
Interest ChargesNo interest chargesInterest applied on unpaid balances
Transaction FeesMay have minimal transaction feesMay have transaction fees and annual fees
Credit HistoryDoes not impact the credit scoreImpacts credit History based on usage
RepaymentImmediate deduction from the accountRequires minimum monthly payments
Debt AccumulationNo debt accumulationPotential for debt accumulation if not paid off
Reward ProgramsLimited or no reward programsVarious reward programs and perks are available
Emergency SupportLimited protection against fraudulent useEnhanced protection against unauthorized transactions
Financial DisciplineHelps maintain spending within meansRequires responsible use to avoid debt

This comparison chart outlines the key differences between debit cards and credit cards. While debit cards are linked to a bank account and use the available funds, credit cards provide a credit line from the issuer, allowing users to borrow money. Debit cards have spending limits based on the available balance, while credit cards have pre-set credit limits determined by the issuer.

It’s essential to consider personal financial habits and needs when choosing between debit and credit cards, ensuring responsible usage and avoiding excessive debt.

Watch this before you apply for your credit card: ক্রেডিট কার্ডের সুবিধা ও অসুবিধা

FAQs for rewarding credit cards: best credit card in Bangladesh

What is a rewarding credit card?

A rewarding credit card is a type of credit card that offers benefits such as cashback, points, or miles for every purchase made using the card.

How do rewarding credit cards work?

Every time you use your rewarding credit card to make a purchase, you earn a certain number of points, miles, or cashback depending on the card. These rewards can then be redeemed for various benefits such as travel, merchandise, statement credits, and more.

What are the benefits of using a rewarding credit card?

The benefits of using a rewarding credit card include earning rewards for everyday purchases, receiving sign-up bonuses, and having access to additional perks such as travel insurance, purchase protection, and extended warranty.

Are there any fees associated with rewarding credit cards?

Some rewarding credit cards may charge an annual fee, while others may have no annual fee. It’s important to read the terms and conditions of the card to understand the fees associated with it.

How do I choose the right rewarding credit card for me in Bangladesh?

When choosing a rewarding credit card, consider your spending habits, the type of rewards you prefer, the card’s annual fee, and any additional perks or benefits that may be important to you. Compare different cards and their rewards programs to find the one that best suits your needs.

Can I earn rewards for all types of purchases with a rewarding credit card?

Most rewarding credit cards offer rewards for all types of purchases, but some may offer higher rewards for certain categories such as dining, travel, or gas purchases.

Can I use my reward points for anything?

The ability to redeem rewards points for various benefits depends on the card issuer and the rewards program. Some programs may offer more flexible redemption options than others.

Do my reward points expire?

The expiration date of reward points depends on the card issuer and the rewards program. Some points may expire after a certain period of inactivity, while others may never expire.

Can I transfer my reward points to another account?

Some rewarding credit cards may offer the ability to transfer reward points to other accounts, while others may not. Check the terms and conditions of your card to see if this option is available.

Is a rewarding credit card the best credit card for me?

A rewarding credit card can be a good choice if you are responsible with credit and use the card for everyday purchases. However, if you tend to carry a balance on your credit card or struggle with overspending, a rewarding credit card may not be the best option for you.

What is Priority Pass, and how does it work in Bangladesh?

Priority Pass is a premium membership program that provides access to airport lounges worldwide. In Bangladesh, it allows members to enjoy comfortable lounge facilities at various airports.

How can I obtain a Priority Pass membership in Bangladesh?

You can obtain a Priority Pass membership by subscribing through their official website or affiliated financial institutions. Check with your credit card provider or financial institution for eligibility and application details.

Which airports in Bangladesh offer Priority Pass lounge access?

Priority Pass lounges are available at major airports in Bangladesh, including Hazrat Shahjalal International Airport in Dhaka. Specific lounge availability may vary, and it’s recommended to check the Priority Pass app or website for the latest information.

Are there any additional charges for using Priority Pass lounges in Bangladesh?

Priority Pass provides different membership plans, and some plans may have associated fees or usage charges. It’s essential to review the terms of your specific membership to understand any potential additional costs.

Can I bring guests with me to Priority Pass lounges in Bangladesh?

The guest policy varies depending on your Priority Pass membership plan. Some plans allow complimentary guest access, while others may charge a fee per guest. Review your membership details or contact Priority Pass customer service for information on guest privileges in Bangladesh.

Disclaimers: All the card benefits are promised by the respective Banks. Rits Browser is not offering any credit card services from the above list. If you need to claim any offer or services or redeem card points you need to contact the respective contact center of that card provider or Bank. Consider it as information, before you apply for a card you must justify all the offers. If you find any information is not accurate, please email us at [email protected] we will try our best to update this information from time to time after verification.

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*Effective from 1st November 2023

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