Compare the issuing bank’s current terms for the exact card you are considering. Promotional benefits alone do not show the full cost.
Read the charges and conditions
- Annual, replacement and supplementary-card fees.
- Interest or finance charges, payment due dates and late charges.
- Cash-advance and foreign-currency transaction charges.
- Eligibility, income evidence and credit-limit conditions.
- How to report an unauthorised transaction or a lost card.
Ask the issuer to explain any unclear term before applying. This is a comparison checklist, not advice that borrowing is suitable for you.
Use official bank information to locate the issuer, and keep a copy of the terms you accept. For an unresolved complaint, consult the bank’s complaint process and Bangladesh Bank’s published escalation guidance.