Bengal Gold Credit Card
Bengal Commercial Bank PLC. is currently issuing globally accepted VISA NFC EMV Chip-based credit cards in order to offer modern, secure, and safe card services. Bengal Commercial Bank PLC. has a very secure card network because it was one of the contemporary banks in Bangladesh to deploy NFC, EMV-Chip technology, and the 3D secured system (Two-factor authentication) for online transactions at a time. Customers of Bengal Commercial Bank PLC. can live and enjoy life as they choose, courtesy of the unparalleled comfort and financial freedom offered by its NFC EMV Chip-based cards. Advanced chip-based card designs allow for more robust security features to safeguard against fraud and encrypted data.
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Features
- NFC Chip-based multicurrency credit card
- ATM withdrawals facilities (local & international)
- Bill payment & online purchase (local & international)
- 3D-secure online transactions (OTP based)
- Card annual fee waiver by twelve transactions
- First supplementary card free
- No hidden charge
- Outstanding conversion to EMIs at attractive rate (Up to 36 installments)
- Interest-free period (Maximum 45 days)
- Fund transfer facilities at 1% processing fee only
- Spend and earn rewards points
- No card closure fee
- Easy repayment (Minimum payment only 3% of total outstanding)
- 0% equal installment plan (EMI)
- Free e-statement
- Auto-debit payment facilities
- 24x7 customer support center (16796)
- Credit limit enhancement facilities
- SMS and e-mail alert for all transactions
- Secured credit card against lien mark for any individuals
- Dining and other discount partner privileges
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Eligibility
- Nationality : Bangladeshi citizen
- Age : 21 years to 60 years (For secured cards, the age limit can be relaxed)
- Minimum gross income:
- Salaried person : BDT 20,000
- Businessman: BDT 75,000
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Benefits
- Global limit (No BDT to USD conversion hassle)
- Add money free to MFS wallets (i.e. bKash, Nagad, Rocket)
- Mobile top-up facilities
- Nationwide cash withdraw facilities
- 24/7 banking
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Guidelines
- General Requirement
- Properly filled out application form
- Valid passport (if available)
- National ID copy
- Personal TIN
- Passport size photograph
- Latest proof of submission for tax return submission
- Nominee's photograph & signature duly attested by the applicant
- Signed authorization letter for bank statement verification
- Filled out CIB form & letter of undertaking
- Visiting card (If any)
- Requirement for Salaried Personal
- Latest salary certificate/pay slip with DOJ & Job status
- The most recent three months' bank statement showing three months' worth of salary for the fully A/C payee (Bank statement should not be more than one month old)
- Requirement for Self-employed
- Proprietorship
- Latest six months' bank statement (Personal/Firm)
- Trade license (Latest and two years old)
- Partnership
- Latest six months' bank statement (Personal/Firm)
- Partnership deed copy
- Trade license (Latest and two years old)
- Partnership deed (Registered/ Notarized)
- Limited Company
- Latest six months' bank statement (Both personal and company should not be more than one month old)
- Memorandum and articles of association
- Certificate of incorporation
- Latest schedule X Copy (must if MOA is over two years old)
- Doctor/Professional/Landlord
- Latest six months' bank statement (Bank statement should not be more than one month old)
- BMDC certificate for doctors who are MBBS only
- A certificate of permission to practice issued by the proper regulatory body for lawyers, engineers, and consultants, where appropriate
- Land ownership document (Holding Tax Receipt/ Electricity Bill) & Rent Deed for landlord. (Title Deed/ Gas/WASA bill)
