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The Bank monitors the risk of using the Card in the High Risk Countries. The Bank will try to call the Cardholders to inform them about the probable fraud risk that might emanate from such Card usage at High Risk Countries and shall seek consent from the Cardholder to block the Card from further usage. In such circumstances, the Bank shall be entitled to briefly droop the use of the cardboard until additional notice to the cardholder. The Bank will by no means be answerable for any transaction on the card earlier than receiving correct notification of the said loss, theft or disclosure from the cardholder. Credit card invoice may be paid by way of bKash app.

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All transactions licensed by the supplementary cardholder previous to the date the supplementary card is received by the Bank, are valid and treated as binding upon the first cardholder and are the liability of the primary cardholder. The Bank shall ship a Statement of Account to the Cardholder every month or at such other regular intervals as deemed fit by the Bank. If the Cardholder does not obtain the Statement of Account for the actual Statement Period, s/he should notify the Bank inside 7 days of the assertion date and request a duplicate of the Statement of Account for the Particular Statement period. Non-receipt of Statement of Account shall not be construed by the Cardholder to be enough for non-payment of dues in time. The Bank cannot be held liable for non-receipt of statement as a end result of unforeseen circumstances and circumstances outside the Bank’s management.

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The Priority Pass card is simply legitimate as a lot as its date of expiry and will not be utilized by any particular person apart from the cardholder. Processing charge on the transferred quantity could apply as per latest Schedule of Charges. Maximum 95% of the available credit score limit could be availed for Balance Transfer. The Bank shall terminate the use of the cardboard without notice upon the death, bankruptcy or insolvency of the cardholder or when the whereabouts of the cardholder turn into unknown to the Bank because of any trigger attributable to the Bank. For cheque payment by way of Drop Box positioned at various BRAC Bank branches, fee to be reflected on the following working day. The Bank will credit score the Cardholder’s Card account with the quantity of any refund solely upon receipt of a correctly issued credit score voucher from the service provider establishment.

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The Cardholder undertakes to signal such further doc as could additionally be requested by the Bank every so often to provide impact to such assignment and transfer. Information may also be processed for the needs of complying with applicable laws, together with anti-money laundering and anti-terrorism laws and laws and fighting crime and terrorism. This might require the disclosure of data to a Bangladeshi or overseas governmental or regulatory authorities or to another individual we reasonably assume essential for these functions.

Installment tenure might range from three to 36 months. In the occasion that the cardholder recovers the lost or stolen card, he/she shall instantly return the same reduce in halves to the Bank with out using it. The Cardholder shall not use the PIN after reporting to the Bank of the disclosure of the same to another get together. BRAC Bank shall provide Statement by way of email unless the Cardholder explicitly informs the Bank that s/he wants hardcopy assertion.

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“Schedule of Charges” means the listing of charges relevant for the companies supplied on the Card. These charges are subject to adjustments on the sole discretion of BRAC Bank Limited. However, such changes in expenses could also be made solely with potential effect giving prior discover of 30 days to the Cardholder. “Electronic Banking Terminal” means any licensed terminal or gadget during which Card and/or PIN can be used. This consists of ATM, Point of Sale terminal or e-Commerce through which Card transactions can be performed or any other licensed terminal or system connected to BRAC Bank electronic banking system once in a while.

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The Cardholder shall always make certain that the Card is saved in a secure place and can train each attainable care to stop the Card from being misplaced or stolen. “Security” means the lien of any account/Fixed Deposit/Financial Instrument towards which the cardboard is issued . “Payment Due Date” means the date specified in the Statement of Account, by which date, cost of the Total Payment Due or the Current Balance or any half thereof or a minimal of the Minimum Amount Due is to be made to the Bank. “Guarantee” means lien of any account/Fixed Deposit/financial instrument in opposition to the issued Credit Card restrict. “Current Balance” means the entire debit stability which shall be debited to the Card Account outstanding on the Card Account payable to the Bank according to the Bank’s records on the date the Statement of Account is issued. “Cash-Limit” means the utmost amount of money or equal of cash as defined or prescribed by BRAC Bank Limited, that the Credit Cardholder can use his/her Card Account.

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In case any delivery date just isn’t specified on the time of buying and the web merchant fails to deliver the product/service; then notify BRAC Bank after 30 days however within 120 days of the transaction date. The Bank shall not be responsible for non-delivery or delayed supply of alerts, error, loss or distortion in transmission of alerts to the Cardholders. For payment via Cash Deposit Machine , money deposits received within the ‘envelope collection time’ as indicated on the machine shall be thought of and processed on the identical banking day. Processing of cheque deposits will be subject to cheque clearing maintain.

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In reference to the particular discounts/offers made by the respective Merchants, the Bank is not going to be held responsible where any of the Merchants withdraws, cancels, alters, or amends these products/services. In addition, the Bank reserves the right to vary the benefits available to Cardholders at any time with out prior notice. In reference to the special discounts/offers made by the respective Merchants, the Bank does not hold out any warranty or make any illustration of the delivery, high quality, design, specs or in any other case set out in respect of those provides. Also, these products/services are subject to availability and will be allocated on a first come, first server basis.

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E. Charges in Foreign Currency In respect of Cards apart from internationally valid Cards, BRAC Bank won’t be bound to take cognizance of, and gained’t be liable in any manner in any way in respect of any expenses that are incurred in international currency. Without prejudice to the aforesaid, any payment of such Charges made by BRAC Bank shall be with full recourse to the Cardholder, and will not be thought of as absolving the Cardholder of any legal responsibility in relation to incurring of such charges or funds thereof by BRAC Bank. BRAC Bank shall be absolutely indemnified and held innocent towards all penalties of such funds, by the Cardholder. A delayed or amended charge shall be processed to the Card Account inside 90 calendar days of the transaction date of the associated transaction.

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If the disputed Card Transaction turns out to be real, the Cardholder shall pay the quantity set out in the relevant Card Transaction along with any charges incurred by the Bank within the investigation of such disputed Card Transaction. Payments shall be treated as created from the date on which the funds are actually received by the Bank in the strange course of business and not from the posting date on the Statement. At least 3-4 days must be allowed for the cost to be credited to the Card Account. If the Cardholder pays an quantity lower than the present steadiness of a specific month’s bill assertion by the fee due date, interest will be accrued on the stability remaining after the Payment Due Date and might be posted within the subsequent assertion.

If the current stability is lower than Minimum Amount Due then the current steadiness becomes fully due. However, if the Minimum Amount Due is not paid by the fee due date or only partly paid, the unpaid quantity shall be added to the next statement’s Minimum Amount Due. Such transactions may even be subject in to a bank Charge as the Bank could decide in its sole discretion from time to time. The exchange price may differ from the speed on the transaction date due to market fluctuation. The BRAC Bank’s 24-Hour Call Center is on the market to all Cardholders.

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From time to time, Bank could monitor and/or document telephone calls between the Cardholder and Bank to assure the quality of its customer support or as required by relevant legislation. All playing cards, which do not have any funds pending for over a month or more, shall be renewed automatically. In case the Cardholder does not need his/her Card to be renewed or any Supplementary Card to be renewed, a written intimation ought to be sent to the Bank two months prematurely. Intimation despatched sooner than two months or lower than 30 days before the expiry can’t be accepted. The Bank may provide details about the Cardholder and the conduct of his/her accounts to any additional cardholder or to any other person/body to whom the Bank transfers its rights and obligations under this settlement.

Should the Cardholder be away from Bangladesh more than a month, the Card Account should be settled 7 days prior to his/her departure. The Cardholder should promptly notify the Bank in writing of any change in employment or enterprise or handle (office and/or residence) or if Cardholder intends to be away from Bangladesh for greater than 30 days. All prices and bills in such regard may be debited to the Card Account and shall be payable by the Cardholder.

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If the agreed supply date of the online buy is beyond 120 days; BRAC Bank will not be held liable to entertain any criticism regarding non-delivery of that product/service. When presenting the Priority Pass card on coming into the lounge, lounge employees will take an imprint of the cardboard and problem a ‘Record of Visit’ voucher to the cardholder or make a log entry. Some lounges have electronic card readers, which can take the cardholder’s element off the magnetic strip on the reverse side of the Priority Pass card. Where applicable, the cardholder must signal the ‘Record of Visit’ voucher, which will also reflect the precise variety of accompanying guests, if any, however doesn’t show any per individual per visit cost. In the occasion of any quantity charged towards Priority Pass Lounge visits, which is due and payable by the client, the customer shall be liable to make the fee to the Bank irrespective of whether or not the card has been closed for any purpose whatsoever.

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If cardholder has account with BRAC Bank, s/he can dial BRAC Bank call center at and give instruction of debiting cardholder’s BRAC Bank current/savings account to pay credit card bill. This process will require PIN verification. The Cardholder might choose not to settle the current steadiness in full, in which case the cardholder should pay a minimum of ‘Minimum Amount Due’ as decided by the Bank every so often on or earlier than the payment due date.

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A substitute cost as prescribed by the Bank is payable by the Cardholder to the Bank immediately upon a request to the Bank to problem a Replacement Card. Additional charges as prescribed by the Bank are payable by the Cardholder to the Bank instantly upon the request to the Bank for the availability of copies of gross sales voucher/Cash Advance Slip and any additional providers the Bank might present from time to time. If the Cardholder fails to pay the Minimum Amount Due by the fee due date, a flat late payment charge fee as prevailing every so often shall be levied. These transactions may embody room, meals or beverage charges, taxes, fuel, insurance, rental fees, damage to rental autos, parking tickets and different traffic violations, and items and services purchased aboard a Cruise Line vessel. “ATM” means an automated teller machine or any card operated machine or gadget whether or not belonging to the Bank or different taking part banks or financial institutions nominated from time to time by the Bank, which accepts Card. As a brand new participant, you’ll have to add some funds to your account to maintain taking half in and garnering big wins.

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