15 Best Credit Cards in Bangladesh (2023 Edition)

Credit cards are one of the most significant financial innovations that have taken place since their inception. These cards allow their users to purchase goods and services on credit. In most cases, it is a safer and more convenient mode of transaction than dealing on cash or debit cards.

Despite its significance and popularity worldwide, for the greater share of the previous decades, the number of credit card users in Bangladesh was comparatively low. However, this scenario is rapidly changing with time.

Today, with the economic growth and rise in income, people are more enthusiastic to purchase goods and services, expanding the use of credit cards and their demand.

Here goes the list of best credit cards in Bangladesh.

1. Standard Chartered Smart Visa Platinum Credit Card

Standard Chartered Bangladesh is a banking and financial services company, a wholly owned subsidiary of Standard Chartered. With a history of operating for more than 100 years in this land, Standard Chartered Bangladesh holds a great reputation in the banking sector as a prestigious multinational bank.

The most prominent credit card offered by this bank is their Standard Chartered Smart Visa Platinum Credit Card. The amenities entailed by this card include:

• Flexible Payment Options – Pay 1% of principal outstanding & full amount of any fees, charges and EMI (if any) or minimum BDT 500 every month within 15 days of each billing date.
• Online Banking:  bank from anywhere, anytime with total security & confidentiality 
• Card Cheque: You can use the account payee card cheque against your StanChart Visa Smart credit card for payments to any person or establishment within Bangladesh.
• Reward Points: Earn 1 reward point for every BDT 100 worth of retail transaction.
• Annual Fee Waiver: Spend BDT 3,00,000 each year to get your annual fee waiver, starting from 2nd year.

And more.

2. Standard Chartered Super Value Titanium Credit Card

Another optimal, value for money, credit card of Standard Chartered Bank is their Standard Chartered Super Value Titanium Credit Card. The amenities entailed by this card include:

• Cashbacks on spending- Super Value Titanium credit card gives you cash back on your Point of Sale (POS)/outlet transactions and Online spends! The cash back amount will be reflected in your credit card statement with 8% on grocery spend, 5% on dining & hotel and 1% on all other transactions (except mobile wallet/mobile financial services). You can get a maximum BDT 1,200 cash back per month.
• Multi Card Facility-You can get a Super Value Titanium credit card in addition to your existing Standard Chartered credit card (except Saadiq and International credit cards) under the same credit limit.
• InstaBuys- Pay back in Equal Monthly Instalments over a tenor ranging from 3-36 months @flat rate of 9.5%.

And more.

3. EBL VISA CORPORATE PLATINUM CREDIT CARD

Founded in 1992, Eastern bank is one of the most reputed and respected banks in Bangladesh. The bank provides credit cards of 19 types, namely Visa Platinum, UnionPay contactless platinum, Mastercard World, and more.

The most exclusive credit card featured by them is their ‘EBL VISA CORPORATE PLATINUM CREDIT CARD’. The amenities entailed by the card include

• Personalized Customer Service: dedicated Relationship Manager (RM) and immediate access to account-related inquiries and other Issuer-specific services.
• Priority Pass Airport Lounge Program (Optional): Priority Pass is the largest independent airport VIP lounge program in the world, with over 600 exclusive VIP airport lounge locations around the world. To access these lounges, cardholders must present their Priority Pass membership card.
• Limit Lost Card Liability: In case the Card is lost or stolen, call the EBL 24×7 Contact Center and report the loss of your Card. A new Card will be sent to you within the shortest possible time of reporting this loss (upon your request). You are protected from any financial liability arising out of transactions done on your missing Card, from the time you report the loss to us.

And more.

4. AB Bank Titanium MasterCard

Established in 1982, AB Bank is one of the most reliable banks in Bangladesh with a high credit rating of AA3. The most prominent credit card offered by the bank is their ‘AB Bank Titanium MasterCard’. The amenities entailed by the card includes:

• Considering the target customer segment, AB Bank Titanium MasterCard Credit Card is designed to offer the maximum credit limit of BDT 10,00,000 in accordance with Bangladesh Bank guidelines.
•  Annual Fee will be waived for Primary card from second year onward if total number of transactions 18 or above over the year.
• As a valued customer AB Bank Titanium MasterCard Credit Card gives you complimentary access to the comfort of Balaka Business Lounge at Hazrat Shahjalal International Airport, Dhaka.

And more.

5. The American Express Platinum Credit Card

Operating since 1983, City bank is one of the most trusted banks in Bangladesh. The bank provides 9 types of American Express credit cards for catering to diverse client needs, namely American Express Gold, American Express Platinum, American Express Green Blue, and more.

The most sought-after credit card of the bank is ‘The American Express Platinum Credit Card’. The amenities included in this card are:

• Membership Rewards Points: Earn 2 Membership Reward Points for every BDT 50/USD 1 spent at any POS or E-commerce Terminals with your AMEX Platinum Credit Card.
• Earn 10 MR points for every BDT 50 spent at leading supermarkets across the country. Offer is applicable on the First and Last weekends (Friday, Saturday) of every month.
• As an American Express Card member, enjoy offers and discounts through our American Express Live The World program. Wherever you find yourself in the world, you’ll enjoy exceptional value and privileges in travel, leisure, dining and shopping.
• Insurance Benefits: Double Benefit Insurance (DBI): Double Benefit Insurance (DBI) insures your outstanding balance during unfortunate events of death or permanent total disability (PTD) by paying off your full outstanding balance and an equal amount to your nominee. The maximum payout amount will not exceed BDT 2,000,000 or twice the outstanding amount, whichever is lower. Receive benefit of treatment of 18 different critical diseases, All Accidental Death Insurance (AADI): A Card member automatically receives All Accidental Death Insurance free of cost. This covers death due to any accident. The coverage is BDT 500,000 for each Card member, which will be paid to the Card member’s nominee in case of an accidental death.

And more.

6. EBL DINERS CLUB INTERNATIONAL VROOM CO-BRAND CREDIT CARD

Another flagship credit card of Eastern Bank is their ‘EBL DINERS CLUB INTERNATIONAL VROOM CO-BRAND CREDIT CARD’. The amenities entailed by this card are:

• Lifetime Free Credit Card: As long as you are a valid Vroom member, you do not have to pay any annual fee
• In-hospital Insurance coverage: eligible for cash insurance benefits of BDT 1,000 per day on hospitalization for maximum 30 consecutive days
• Access to over 1000 Airport Lounges across the globe: get access to more than 1000 airport lounges in over 125 countries and territories around the world

And more.

7. American Express Corporate Card

After their ‘American Express Platinum Credit Card’, The City Banks most sought-after and value for money credit card is their ‘American Express Corporate Card’. The amenities entailed by this card include:

• Tracking with better management information (MIS Report) which makes employees’ spending transparent and easily verifiable. It will assist you to identify savings opportunities and leakage.
• Tracking with better management information (MIS Report) which makes employees’ spending transparent and easily verifiable. It will assist you to identify savings opportunities and leakage.
• Tracking with better management information (MIS Report) which makes employees’ spending transparent and easily verifiable. It will assist you to identify savings opportunities and leakage.

And more.

8. One Bank Visa Platinum Credit Card

Active since 1999, One Bank is one of the most prestigious banks in Bangladesh. The bank offers credit cards in three ranges: Visa Platinum, Visa Gold, and Visa Classic. The ‘One Bank Visa Platinum Credit Card’ is the most prominent credit card of the bank. The amenities offered by this card include:

• Maximum credit limit of BDT. 10,00,000 (unsecured) and BDT. 2,500,000 (secured)
• Renewal Fees waived
• Free access to Balaka lounge at Hazrat Shahjalal International Airport or more than 1200 lounges worldwide

And more.

9. DHAKA BANK PLATINUM CREDIT CARD

Founded in 1995, Dhaka Bank is one of the most reputed and widely used commercial banks in Bangladesh. At present, the bank offers Visa Gold, Signature, Platinum credit cards, and Mastercard Titanium credit cards.

The most prominent credit card offered by Dhaka Bank is their ‘DHAKA BANK PLATINUM CREDIT CARD’. The amenities entailed by this card include:

• Credit Shield Program: 100% card outstanding due will be settled; additionally, 3 times of the outstanding due will be provided to the successors, 100% card outstanding due will be settled; additionally, 100% of the outstanding due amount will be provided to the successors, and in the event of being diagnosed with any of the 13 critical diseases* 50% of last month’s outstanding due will be compensated to the cardholder’s account.
• Round the year Buy 1 Get 1 facility: BOGO facilities at renowned hotels and restaurants round the year
• DHAKA BANK SWIPE IT offer with ZERO interest: buy high value items on Dhaka Bank Visa Platinum credit card and conveniently pay in monthly installments without any interest for deferring the payment

And more.

10. MTB VISA Platinum Credit Card

Founded in 1999, Mutual Trust Bank is one of the most reliable and widely used banks in Bangladesh.

The bank provides 9 types of credit cards, namely, MTB Mastercard World, MTB Mastercard Titanium, MTB Gold Credit Card, MTB Classic Credit Card, MTB VISA Platinum, MTB Visa Signature, MTB VISA Platinum, MTB Visa Signature, and MTB UnionPay Platinum Credit Cards.

Their ‘MTB VISA Platinum Credit Card’ is the most prominent credit card offered by the bank. The amenities entailed by the card include:

• Access to our exclusive Air Lounge at Hazrat Shahjalal International Airport (HSIA)
• Any POS or e-commerce transaction of BDT 10,000 (equivalent USD) or more, regardless of where the transaction is made, can be converted into MIPP.
• Meet & Greet Service: Luggage will be received and maintained by MTB

And more.

11. UCB Visa Platinum Card

Founded in 1983, United Commercial Bank PLC is one of the largest private sector commercial banks in Bangladesh. Among the credit cards offered by the bank, their ‘UCB Visa Platinum Card’ is the most popular and sought-after card. The amenities entailed by the card include:

• Unsecured credit limit from BDT 200000 up to BDT 800000 and Secured credit limit up to BDT 25,00,000.
• BDT 3,00,000 insurance coverage for 18 Critical diseases (enrollment in insurance scheme is required).
• Convert any retail transaction of BDT 10,000 or above to EMI.

And more.

12.  BRAC Bank Visa infinite Card

Operating since 2001, BRAC Bank is a private commercial bank in Bangladesh, operated by the BRAC development organization, focused on Small and Medium Enterprises.

The bank’s most premium credit card is their ‘BRAC Bank Visa infinite Card’, The amenities entailed by the card include:

• 10 complimentary accesses to over 1,100 International Lounges with LoungeKey for cardholder + 3 companions (per visit) in a year.
• Critical illness insurance coverage of BDT 150,000 or equivalent US$
• 1 night complimentary stay at 5000+ Hotels worldwide on booking for 4 nights

And more.

13. Trust Bank Visa Platinum Credit Card

Operating since 1999, backed by Army Welfare Trust of Bangladesh Army, Trust Bank is held as one of the best banks in Bangladesh, holding a significant reputation and prominence.

The bank offers 4 types of Visa Credit cards, amongst which the Visa Platinum Credit Card is the most prominent. The amenities entailed by this credit-card are given below:

• Free 02 visits in a year for Platinum cardholder in 1000+ Worldwide Airport Lounges by using Priority Pass.
• Lifetime free 1st Supplementary Credit Card.
• Card fee waived from 2nd year after doing 18 transactions

And more.

14. MTB Mastercard World Credit Card

An exquisite credit card offered Mutual Trust Bank to appease their outgoing and exclusive customers is their ‘MTB Mastercard World Credit Card’. The amenities included in this card are:

• Access to 1100+ airport lounges under LoungeKey
• MTB Protection Plan (MPP): 4 times of Credit Card Outstanding (Maximum BDT 40 lac)
• MTB Installment Purchase Program (MIPP): Any POS or e-commerce transaction of BDT 10,000 (equivalent USD) or more, regardless of where the transaction is made, can be converted into MIPP, at a flat interest rate.

And more.

15. DBBL MasterCard Titanium Card (the Premium brand)

Founded in 1995, Dutch Bangla Bank is the first joint venture bank in Bangladesh. It is one of the most popular banks in Bangladesh with one of the highest numbers of users.

The bank provides 10 types of credit cards belonging to their Visa and Mastercard series. The most prominent card offered by the bank is their ‘DBBL MasterCard Titanium Card (the Premium brand)’. The amenities that come with the card are:

• Credit Limit: 200,000 – 20,00,000 Or Equivalent USD
• Airport lounge facilities in 1000+ airports under priority pass

And more.

Credit cards are strong financial instruments that promote financial inclusion for individuals. Credit cards improve financial accessibility and opportunities. In this age of digitalization and ever-growing financial landscape, it is a great financial tool one can have at their disposal.