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Once a Balance Transfer has been made, the client has to continue the steadiness switch amount for at least 6 months with BRAC Bank i.e., the client can not transfer the steadiness to another financial institution inside the specified period of time. Cardholder can settle partial or full outstanding of different financial institution’s credit card through Balance Transfer. The Bank shall not be liable to refund the annual fee or any half thereof in case of the termination of the cardboard account.

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The Bank reserves the proper to not enable international Transactions as much as full limit assigned for SAARC nations & Myanmar and Non-SAARC nations so that the Limits are not exceeded in the event of trade fee fluctuations or any unauthorized transactions. The Card isn’t transferrable and its usage is topic to the terms talked about herein and any extra conditions stipulated by BRAC Bank Limited from time to time. The Cardholder under no circumstances whatsoever will enable the Card and/or PIN and/or CVC/CVV and/or OTP to be used by any other particular person. The Cardholder might not pledge the Card as Security for any objective in any way. BRAC Bank Limited reserves the best to ascertain the credit worthiness of the Applicant time to time by acquiring credit score bureau report and such different reports as it might deem needed and decline to problem a Card to any Applicant at its sole discretion.

Such directions cannot be withdrawn /cancelled except with the written consent of BRAC Bank. Both Local and International (up to $300) e-commerce transaction will mechanically be enabled for the credit score cardholders. Cardholder can disable the e-commerce transaction anytime by calling BRAC Bank Call Centre.

The fee via bKash may require most three working days to be settled. The major cardholder may withdraw the authority of the supplementary cardholder by sending a written intimation to the Bank accompanied by the supplementary card. Without prejudice to Bank’s rights at any time to take the suitable authorized action, the Bank could charge fees for any returned unpaid cheque drawn by the Cardholder in full or partial fee of the outstanding quantity. The Bank shall be entitled at its sole discretion to differ the rate of method of calculation of the annual charges, finance charges, the required Minimum Amount Due and/or late payment charges or another expenses. A Merchant could process delayed or amended expenses if the Cardholder has consented to be liable for delayed or amended charges for a Hotel, Car Rental Company, or Cruise Line Transaction or another transactions. C. BRAC Bank’s report of the quantity of any Charge, specified herein above, shall, in the absence of manifest error, be final and binding on the Cardholder, and shall be conclusive in any case where BRAC Bank has effected any fee pursuant to a Voluntary Charge.

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PERSONAL IDENTIFICATION NUMBER To allow the Cardholder to make use of the Card, a Personal Identification Number will be issued to him/her. In the event the same isn’t obtained in a sealed envelope, the Cardholder shall contact a BRAC Bank department or the BRAC Bank 24-Hour Call Center. The PIN offers entry to the Card Account and the Cardholder accepts the solely real responsibility for use, confidentiality and protection of the PIN, as well as for all orders and data adjustments entered into the Card Account using such PIN.

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