Best Credit Cards in Bangladesh: A Comprehensive Review

Introduction

A credit card is a powerful financial tool if used wisely. It offers convenience, rewards, and emergency funds.

1. City Bank American Express (Amex)

Best For: Dining and Shopping

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• Pros: Huge discounts at restaurants and lifestyle stores. BOGO (Buy 1 Get 1) offers at 5-star hotels.
• Cons: Not accepted everywhere (smaller shops).

2. Standard Chartered Visa/Mastercard

Best For: Travel and Luxury

• Pros: Global acceptance. Access to airport lounges (Balaka). 0% EMI at many electronics stores.
• Cons: High annual fees (can be waived with usage).

3. EBL (Eastern Bank) Visa/Mastercard

Best For: Online Transactions & Travel

• Pros: Excellent dual currency support. Skybanking app is very user-friendly. Lounge access.
• Cons: Customer service can be slow during peak times.

4. BRAC Bank Credit Cards

Best For: EMI Facilities

• Pros: Widest network of EMI partners (electronics, furniture). Good reward points system.

5. Dutch-Bangla Bank (DBBL) Credit Card

Best For: Low Fees

• Pros: Lower annual fees. Widest ATM network in the country.

Key Features to Look For

• Annual Fee: Can it be waived? (Usually by making 15-20 transactions a year).
• Interest Rate: Usually around 20% per annum. (Avoid paying interest by paying the full bill on time).
• Dual Currency: Essential for international travel and online payments (Netflix, Amazon).

Conclusion

Choose a card that matches your spending habits. If you travel often, get a travel card. If you love food, get a dining card. Always pay your bill in full to avoid debt traps.