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Deposit | Loans | Debit Card | Credit Card | NRB
NFB | City Global | Deposit Rates
Schedule of Charges
City Visa Credit Card is designed to be a privileged card for anyone to enjoy benefits to make the best of their lifestyles. This is not just a credit card; it is the modern solution for financial situations that gives you prestige and respect for every transaction you make with this card.
CARD FEATURES
If you are a City Visa Credit Cardholder, you can enjoy a diverse array of features that comes with Visa Credit Cards issued by The City Bank Limited. These features are listed below:
ANNUAL FEE WAIVER
If you swipe your City Visa Credit Card for 18 transactions per annum or refer 3 of your dearest ones to subscribe to City Visa Credit Card, you can enjoy our Annual Fee Waiver feature.

If you are an existing City Bank Credit Cardmember or have your Credit Card issued against FD, you can enjoy 50% waiver on Annual Fee.

** Note: 3 New Visa Credit Cards have to be officially approved against a Single Cardholder’s reference in a calendar year.

CASH WITHDRAWAL
You can enjoy Cash Withdrawal facility at 3% monthly interest rate at more than 243 City Bank ATMs and any other ATMs that accept Visa Credit Cards.

INTEREST RATE
We offer you Variable Interest Rates on your purchases in two categories:
  • Premium Rate: 2.17% monthly for an outstanding amount of BDT 50,000 or equivalent amount in USD or above
  • Standard Rate: 3% monthly for an outstanding amount of below BDT 50,000 or equivalent amount in USD
CITY CARD EMI PLAN
You can now benefit from our City Card EMI Plan feature to convert any of your retail purchase transaction into an instalment scheme. The EMI Plan offers the following features:
  • Interest Rate: 16.99% Interest per annum
  • Instalment Tenure: 6,12,18, 24, 30 or 36 Months
  • Minimum Transaction Amount Eligible for EMI: BDT 3,000
BALANCE TRANSFER
The Balance Transfer feature allows you to transfer your existing credit card’s balances to City Visa Credit Card and repay the outstanding amount on the previous card at a much lower rate.
  • Maximum Transferable Amount: 90% of the available limit of City Visa Credit Card
  • Interest Rate: 2.25% monthly
LIMIT RE-ARRANGEMENT
If you are not content with your credit limit arrangement by the Bank, you will have the option to re-arrange your credit limit under the following options offered by City Visa Credit Card:
  • BDT to USD or vice versa
  • Other Credit Cards issued by City Bank to City Visa Credit Card or vice versa
CARD UP-GRADATION
After a specific period of time of having a good transaction profile with City Visa Credit Card, you can upgrade your product group to a higher product category and increase your credit limit accordingly.*

SPECIAL PRIVILEGES ON HOSPITALS AND HOTELS ABROAD
Enjoy special privileges at different hospitals and hotels abroad on your dual currency VISA Credit Card. Contact our Customer Service Center at 16234 for details.

24 HOUR CUSTOMER SERVICE CENTRE
For any information regarding City Bank VISA Credit Cards, our 24-hour Customer Service Center is available at 16234 (locally) and (+88) 02 9569553-4 (from overseas). We will do our best to serve you and allow you to enjoy the benefits of your City VISA Credit Card to the fullest.

SMS SERVICES
You will be notified about your monthly outstanding balance every month so that you will never forget your outstanding amount and payment due date. This service comes completely free of cost for you.

AUTO DEBIT PAYMENT FACILITY
You no longer have to stand in long queues to pay your monthly bills. You can pay your monthly due from your City Bank savings / current account through direct debit standing instruction. Contact your nearest City Bank Branch to open your City Bank account today.

FEES AND CHARGES OF VISA CREDIT CARDS
Particulars VISA Platinum VISA Gold (Local) VISA Gold (Dual) VISA Silver (Local) VISA Silver (Dual)
Annual Fee1 BDT 2,500 BDT 1,500 BDT 2,000 BDT 750 BDT 1,500
Supplementary Card Annual Fee2 BDT 1,250 BDT 750 BDT 1,000 BDT 375 BDT 750
Card Replacement Fee BDT 600 BDT 400 BDT 600 BDT 200 BDT 600
Captured Card Replacement Fee BDT 300 BDT 250 BDT 250 BDT 150 BDT 200
Pin Replacement Fee BDT 150 BDT 150 BDT 150 BDT 150 BDT 150
Late Payment Fee BDT 300 or USD 10 BDT 300 BDT 300 or USD 10 BDT 200 BDT 200 or USD 10
Cash Advance Fee (Local)3 BDT 100 or 2% BDT 100 or 2% BDT 100 or 2% BDT 100 or 2% BDT 100 or 2%
Cash Advance Fee (International) 2.5% N/A 2.5% N/A 2.5%
Over Limit Charge BDT 500 or USD 15 BDT 500 BDT 500 or USD 15 BDT 200 BDT 200 or USD 15
Monthly Interest for Purchase (Standard Rate) 3% 3% 3% 3% 3%
Monthly Interest for Cash Advance 3% 3% 3% 3% 3%
EMI Interest Rate(Monthly) 1.42% 1.42% 1.42% 1.42% 1.42%
Statement Retrieval Fee Per Statement BDT 50 BDT 50 BDT 50 BDT 50 BDT 50
Out of Town Cheque Collection Fee BDT 100 or USD 5 BDT 100 BDT 100 or USD 5 BDT 100 BDT 100 or USD 5
Cheque Return Fee BDT 100 or USD 5 BDT 100 BDT 100 or USD 5 BDT 100 BDT 100 or USD 5
Markup 3% N/A 3% N/A 3%
Balance transfer fee 1% or BDT 1,000 whichever is higher 1% or BDT 1,000 whichever is higher 1% or BDT 1,000 whichever is higher 1% or BDT 500 whichever is higher 1% or BDT 500 whichever is higher
Monthly Balance Transfer Interest Rate 2.25% 2.25% 2.25% 2.25% 2.25%
Certificate Fee BDT 100 BDT 100 BDT 100 BDT 100 BDT 100
Minimum Due for Monthly Repayment4 BDT 500 or USD 50 or 5% whichever is higher BDT 500 or 5% whichever is higher BDT 500 or USD 50 or 5% whichever is higher BDT 500 or 5% whichever is higher BDT 500 or USD 30 or 5% whichever is higher
Cash Advance Limit 50% of Credit Limit 50% of Credit Limit 50% of Credit Limit 50% of Credit Limit 50% of Credit Limit
CIB Fee BDT 150 BDT 150 BDT 150 BDT 150 BDT 150
SMS Notification Fee BDT 200 BDT 200 BDT 200 BDT 200 BDT 200
City Shield Insurance Premium5 0.30% N/A N/A N/A N/A
EMI Early Settlement Fee6 3% of remaining Balance or BDT 500 3% of remaining Balance or BDT 500 3% of remaining Balance or BDT 500 3% of remaining Balance or BDT 500 3% of remaining Balance or BDT 500
* 15% VAT is applicable for all fees
* Balance Inquiry/ Mini Statement Fee BDT 5.00 (Inclusive of VAT) will be Applicable for all ATMs other than City Bank ATMs & Q-Cash network ATMs.
  1. Will be applicable for the issued cards.
  2. For VISA Platinum, first two Supplementary Cards are free. This Charge is for third one and onwards. For VISA Gold and Silver, first Supplementary Card is free. This Charge is for second one and onwards.
  3. City Bank VISA Card at local ATMs as per transaction BDT 100 or 2% whichever is higher.
  4. On closing Balance.
  5. Facility not valid for 2 months overdue card accounts. Cardholders will be charged 0.30% of total card outstanding on a monthly basis on the month’s end outstanding balance.
  6. 3% of remaining Balance or BDT 500 whichever is higher.
Clearing Cheque Processing Fee:
Cheque Amount Fee Amount (Inclusive of VAT)
Less than BDT 50,000 Nil
BDT 50,000 to less than BDT 500,000 BDT 10.00
BDT 500,000 and above – Normal Clearing BDT 25.00
BDT 500,000 and above – Same Day Clearing BDT 60.00
Card Cheque- Fees & Charges:
Particulars Amount/Rate*
Cheque Book Issuance Fee First Cheque Book (10 leaves Free
Second one and onwards (10 leaves) BDT 200
Card Cheque Processing Fee 1.50%
Card Cheque Return Fee (for insufficient limit only) BDT 500
Stop Payment on Clearing Cheque BDT 200 per Cheque
Stop Payment on entire Cheque Book BDT 300
* 15% VAT is applicable on all charges
Eligibility:
Bangladeshi Nationals
Age range for primary card holder is 18 years to 60 years
Age range for supplementary card holder is 18 year to 60 years
Age bar can be relaxed for secured cards
Minimum Gross Monthly Income(GMI) for silver card Tk 15,000
Minimum Gross Monthly Income(GMI) for gold card Tk 30,000
Minimum 6 month permanent employment for salaried executives (this indicates total length of service as a total of all companies he or she has worked for), and 1 year of experience in business or practice for self employed professionals and business person
City Credit Cards:
VISA Local Classic
VISA Classic Dual
VISA Gold Local
VISA Gold Dual
For Local call: 16234 (if you wish to call at our Call Center for any query from any part of Bangladesh)
For Overseas call only: +88-02-9569553/4 (if you wish to call at our Call Center from abroad for any emergency)
* For details, please contact nearest City Bank Branch or Contact Us.
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